ICICI Bank Rubyx Credit Card Mastercard vs Yes Ace Credit Card: Which is Better in 2026?
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The ICICI Bank Rubyx Credit Card Mastercard and the Yes Ace Credit Card both offer distinct benefits catering to different user needs. Rubyx focuses on premium rewards, multiple lounge accesses, and milestone bonuses, while the Yes Ace card emphasizes affordable fees and higher reward points on online shopping. Choosing between them depends on your spending habits, travel frequency, and fee sensitivity.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | ICICI Bank Rubyx Credit Card Mastercard | Yes Ace Credit Card |
|---|---|---|
| Bank | ICICI Bank | Yes Bank |
| Network | MasterCard | MasterCard |
| Joining fee | Joining Fee - Rs.3000 | Joining Fee of Rs.399 |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.2000 | Renewal Fee of Rs.399 |
| Annual fee waiver | Spend Rs.3 Lakh For Waiver of Annual Fee | Spend Rs.50000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 1 Reward Points per Rs.100 on Utilities | 2 Reward Points on Every Rs.200 |
| Lounge — domestic | Enjoy 2 Complimentary Domestic Lounge Access Per Quarter | — |
| Welcome benefit | Welcome Benefits - Tata Croma Vouchers Worth Rs.1000 | — |
| Milestone benefit | Earn Upto 15000 Reward Points Every Anniversary Year | — |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 2.75% - Foreign Currency Transactions |
Which is better for rewards?
The ICICI Bank Rubyx Credit Card Mastercard offers a broader and more versatile rewards structure, including higher points on international spends and groceries, plus an anniversary milestone bonus of up to 15,000 reward points. In contrast, the Yes Ace Credit Card provides higher reward points specifically for online shopping but lacks milestone rewards or bonuses. Therefore, for users seeking diverse rewards across categories and milestone incentives, Rubyx is more rewarding, while Yes Ace suits those focused on online shopping rewards.
Which is better for travel?
Rubyx stands out for travel-related benefits with 2 complimentary domestic lounge accesses per quarter and a 1% fuel surcharge waiver on HPCL fuel transactions. It also offers golf rounds, which may appeal to premium travelers. Yes Ace does not provide lounge access but offers a 1% fuel surcharge waiver across all petrol pumps, which is more flexible. Additionally, Yes Ace allows redemption of reward points for airmiles with partners like Intermiles and Vistara, adding travel value. Overall, Rubyx is better for lounge and premium travel perks, while Yes Ace offers more flexible fuel benefits and travel point redemption options.
Which has lower effective cost?
Yes Ace Credit Card is clearly more economical with a joining and renewal fee of Rs.399, which can be waived with a modest Rs.5000 spend. Rubyx has a much higher joining fee of Rs.3000 and an annual fee of Rs.2000, waived only after spending Rs.3 lakh. This makes Yes Ace a better choice for fee-conscious or beginner users, while Rubyx suits those comfortable with higher fees in exchange for premium benefits.
Fee Waiver Complexity
The Rubyx card requires a high annual spend of Rs.3 lakh to waive the Rs.2000 renewal fee, which may be challenging for moderate spenders. In contrast, Yes Ace offers a simple and low threshold of Rs.5000 spend to waive the Rs.399 joining fee, making it more accessible for users with lower monthly spends.
Reward Redemption Flexibility
Yes Ace allows redeeming reward points for airmiles with partners like Intermiles and Vistara, which can be valuable for frequent flyers. Rubyx does not specify such redemption options in the provided data, focusing more on direct reward points accumulation and vouchers.
Foreign Exchange Markup
Rubyx charges a higher forex markup of 3.5% on foreign currency transactions, which could increase costs for international travelers. Yes Ace offers a lower forex markup of 2.75%, making it more cost-effective for overseas spending.
Who should pick ICICI Bank Rubyx Credit Card Mastercard ?
Consider ICICI Bank Rubyx Credit Card Mastercard if you prioritize premium rewards across multiple spending categories, frequent domestic lounge access, and milestone bonuses. It is suitable for users who spend significantly and want luxury perks like golf rounds and multiple voucher welcome benefits, accepting higher fees for these advantages.
Who should pick Yes Ace Credit Card?
Consider Yes Ace Credit Card if you prefer a low-fee credit card with straightforward rewards, especially if you shop online frequently. It is ideal for beginners or budget-conscious users who want decent reward points on everyday spends and fuel surcharge waivers without high annual fees or complex milestone criteria.
Frequently Asked Questions
ICICI Bank Rubyx Credit Card Mastercard has a joining fee of Rs.3000 and an annual fee of Rs.2000 from the second year onwards. Yes Ace Credit Card charges Rs.399 for both joining and renewal.
Yes, Rubyx waives the annual fee if you spend Rs.3 lakh in a year. Yes Ace waives the joining fee if you spend Rs.5000.
ICICI Bank Rubyx Credit Card Mastercard offers 4 reward points per Rs.100 on international spends, whereas Yes Ace does not specify enhanced rewards for international transactions.
Rubyx offers 2 complimentary domestic lounge accesses per quarter. Yes Ace does not provide any lounge access benefits.
Rubyx charges a forex markup of 3.5%, while Yes Ace charges a lower forex markup of 2.75% on foreign currency transactions.
ICICI Bank Rubyx Credit Card Mastercard offers up to 15,000 reward points every anniversary year. Yes Ace does not offer milestone benefits.