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ICICI Bank · ICICI Bank
Emeralde vs Rubyx
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
57composite score
95% rule confidence
95% rule confidence
Winner
50composite score
95% rule confidence
95% rule confidence
Annual fee
₹12,499
₹2,000
Network
Mastercard
Visa
Base reward rate
6%
2%
Min. income (monthly)
₹3,50,000
₹60,000
Min. credit score
750+
720+
Best for
Travel
Online shopping
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Emeralde edges out for most wallets.
- Better base rate, 6% vs 2% on everything outside a bonus bucket.
Composite score
Emeralde57
Rubyx50
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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