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| Feature | IndusInd Bank IndusInd Nexxt Credit Card | ICICI Bank ICICI Bank Rubyx Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IndusInd Bank | ICICI Bank |
| Network | Mastercard | Visa + RuPay |
| Annual fee | ₹0 + GST per year | ₹2,000 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹3,00,000 annual spending |
| Base reward rate | 0.5% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| International spending | 0.5% · Eligible retail reward points | 1% · International rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | 16 domestic airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Approx. ₹75,000/month salaried · ₹75,000/month self-employed |
| Terms verified | 24 Sept 2026 | 23 Sept 2026 |
| Best suited to | IndusInd customers who can use the premium welcome voucher and prefer a zero-renewal-fee card. | ICICI customers spending enough to unlock quarterly movie and lounge privileges. |
| Main trade-off | The ₹10,000 joining fee is substantial. Welcome gift inventory depends on the selected fee plan and is not assigned cash value; former Priority Pass, concierge, golf and Auto Assist benefits ended in 2021. | Lounge and movie benefits require preceding-quarter spend. The welcome vouchers have partner and booking restrictions, and the current ₹3 lakh fee-waiver threshold is much higher than the renewal fee. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
