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Rubyx American Express vs SBI Prime – Full comparison

Both cards verified with issuer

Rubyx American Express source SBI Prime source

Annual fee structure is a key difference

Key differences

Lowest fee Rubyx American Express ₹2,000

Spend context

At ₹50k/month spend:

  • Rubyx American Express: ~₹250/month at base rate
  • SBI Prime: ~₹250/month at base rate

Approximate, based on base rates (before caps).

Rubyx American Express ICICI SBI Prime SBI
Lounge Access
Domestic lounge visits
No difference
 2/quarter 2/quarter
International lounge visits
Only available for SBI Prime
 Varies by variant 4/year
Forex / International Use
Forex markup
No difference
 3.5% 3.5%
Fees
Annual fee
₹2,000 vs ₹2,999
 ₹2,000 ₹2,999
Joining fee
₹3,000 vs ₹2,999
 ₹3,000 ₹2,999
Fee waiver spend
No difference
 ₹3,00,000 ₹3,00,000
Rewards
Points per ₹100
No difference
 2 pts 2 pts
Point cash value
No difference
 ₹0.25 ₹0.25

Notes

  • Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Source: issuer websites + manual verification · Last verified 20 April 2026
Important

Data is compiled from issuer and public sources. Always verify with the issuer before applying.