ICICI Bank Rubyx Credit Card Mastercard vs Yes Ace Credit Card: Which is Better in 2026?
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Yes Ace Credit Card lists a lower headline annual fee in our data (around ₹1,601 apart), before waivers. ICICI Bank Rubyx Credit Card Mastercard currently has more lounge detail available from the issuer data we index. Always confirm current fees and offers on the issuer’s site before you apply.
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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.5000 For Joining Fee Waiver |
| Reward rate (headline) | Earn 2 Reward Points on Every Rs.100 Domestic Spends | 8 Reward Points on Every Rs.200 For Online Shopping |
| Lounge — domestic | Enjoy 2 Complimentary Domestic Lounge Access Per Quarter | — |
| Welcome benefit | Welcome Benefits - EaseMyTrip Voucher Worth Rs.2000 | — |
| 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?
In the headline reward rows we show, ICICI Bank Rubyx Credit Card Mastercard lists: Earn 2 Reward Points on Every Rs.100 Domestic Spends Yes Ace Credit Card lists: 8 Reward Points on Every Rs.200 For Online Shopping They use different points or co-brand currencies and bonus categories, so the better fit depends on where you spend and which airline or programme you actually redeem with—not a single abstract “earn %”. Use the table for caps and accelerated categories; if the quoted base rates look similar, prioritise redemption value and partner alignment.
Which is better for travel?
ICICI Bank Rubyx Credit Card Mastercard has richer lounge-related fields in our current benefits extract (domestic: Enjoy 2 Complimentary Domestic Lounge Access Per Quarter; international: —). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Which has lower effective cost?
Yes Ace Credit Card appears cheaper on headline renewal fee in our data before waivers. If you are fee-sensitive, also read the waiver rules in the table — a higher sticker fee can still be net-negative cost if you naturally clear spend thresholds.
Who should pick ICICI Bank Rubyx Credit Card Mastercard ?
Consider ICICI Bank Rubyx Credit Card Mastercard if you already bank with ICICI Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Who should pick Yes Ace Credit Card?
Consider Yes Ace Credit Card if you already bank with Yes Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Frequently Asked Questions
From the lounge fields in our benefit data: ICICI Bank Rubyx Credit Card Mastercard — domestic: Enjoy 2 Complimentary Domestic Lounge Access Per Quarter; international: —. Yes Ace Credit Card — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the ICICI Bank and Yes Bank websites before you travel.
From the renewal-fee lines we index, the headline amounts are about ₹399 vs ₹2,000 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the ICICI Bank and Yes Bank websites for the final number.
On the first reward band we surface, ICICI Bank Rubyx Credit Card Mastercard shows a stronger headline earn (Earn 2 Reward Points on Every Rs.100 Domestic Spends vs 8 Reward Points on Every Rs.200 For Online Shopping). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
ICICI Bank Rubyx Credit Card Mastercard : Spend Rs.3 Lakh For Waiver of Annual Fee Yes Ace Credit Card: Spend Rs.5000 For Joining Fee Waiver Spend thresholds and anniversary rules change; confirm the latest T&Cs.
ICICI Bank Rubyx Credit Card Mastercard : 3.50% - Foreign Currency Transactions Yes Ace Credit Card: 2.75% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the ICICI Bank and Yes Bank websites.
ICICI Bank Rubyx Credit Card Mastercard : Welcome Benefits - EaseMyTrip Voucher Worth Rs.2000 Yes Ace Credit Card: Not in our extract. Welcome campaigns are time-bound — verify eligibility and fulfilment on the ICICI Bank and Yes Bank websites.