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ICICI Bank · ICICI Bank
Rubyx vs Sapphiro
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
50composite score
95% rule confidence
95% rule confidence
Winner
47composite score
95% rule confidence
95% rule confidence
Annual fee
₹2,000
₹3,500
Network
Visa
Visa
Base reward rate
2%
2%
Min. income (monthly)
₹60,000
₹75,000
Min. credit score
720+
720+
Best for
Online shopping
Travel
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Rubyx edges out for most wallets.
- Lighter annual fee, ₹2,000 vs ₹3,500.
- Easier to qualify, ₹60,000/mo income gets you in versus ₹75,000/mo.
Composite score
Rubyx50
Sapphiro47
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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