Samsung Axis Bank Infinite vs ICICI Bank Rubyx (2026)
The answer flips at ₹0.75L a month: ICICI Bank Rubyx below it, Samsung Axis Bank Infinite above.
Head to head
| Samsung Axis Bank Infinite | Metric | ICICI Bank Rubyx |
|---|---|---|
| #80 — wins this row | Our rank | #88 |
| ₹5,000/yr | Fee — joining · annual (+ GST) | ₹3,000 joining, then ₹2,000/yr — wins this row |
| ₹7,00,000 spend | Fee waiver | ₹3,00,000 spend |
| 3.5% + GST, plus a 1.5% dynamic-currency-conversion markup | Forex markup | 3.5% + GST |
| 3.75%/mo (55.55%/yr) — Axis standard tier | APR | 3.75%/mo (45%/yr) |
| 1.0% — wins this row | Headline earn rate | 0.5% |
| Axis EDGE Reward Points | Currency | ICICI Reward Points |
| ₹0.40/pt † | House value | ₹1.00/pt † |
| 30,000 EDGE Reward Points (₹6,000 on Axis's own value chart) on 3 transactions within 30 days of issuance | Welcome benefit | ₹18,000 of brand vouchers — Elivaas ₹10,000, EaseMyTrip ₹2,000 flights + ₹3,000 holidays, TataCliQ ₹2,000, Croma ₹1,000 (+ 3-month EazyDiner Prime); joining ₹3,000, renewal ₹2,000 |
| 731 of 789 — wins this row | Lounge doors opened | 129 of 789 |
| not published | Income — salaried | ₹75,000+/month (official product page) |
| not published | Income — self-employed | ₹9,00,000+/yr (official product page) |
† Samsung Axis Bank Infinite: Samsung Axis Infinite sits in the "other eligible cards" bucket of the Axis Points/Miles Transfer table — 20 EDGE Reward Points = 1 partner mile (10:1 to ITC, SpiceJet and AirAsia), an eighth of what Magnus and Reserve get at 5:2. The portal at ₹0.20 a point is the only sane exit, and Axis charges ₹99 a redemption and ₹199 a transfer on top. Our 1.0% prices the ₹0.20 in; the ₹0.40 EDGE house value does not apply to this card.
† ICICI Bank Rubyx: Rubyx is the card that settles ICICI's redemption question in writing: its own membership kit says "Each reward point is equivalent to ₹0.25 when redeemed for cash" — a quarter of the ₹1.00 house value, which ICICI documents only for Emeralde Private Metal and Times Black. earn.base bakes the haircut in.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
ICICI Bank Rubyx wins under ₹0.75L/month; Samsung Axis Bank Infinite takes over above it.
Where the lead changes hands
The lead changes hands at ₹0.75L a month: ICICI Bank Rubyx is ahead by ₹3,575 at ₹0.25L, Samsung Axis Bank Infinite by ₹39,750 at ₹5L.
ICICI Bank Rubyx pays 9 annual spend milestones, the first at ₹3,00,000 a year, and Samsung Axis Bank Infinite pays none; ICICI Bank Rubyx charges twice — ₹3,000 to join, then ₹2,000 every year after.
Samsung Axis Bank Infinite draws above the line, ICICI Bank Rubyx below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Samsung Axis Bank Infinite | ICICI Bank Rubyx | In front |
|---|---|---|---|
| ₹0.25L | −₹1,100 | ₹2,475 | ICICI Bank Rubyx by ₹3,575 |
| ₹0.5L | ₹2,800 | ₹5,325 | ICICI Bank Rubyx by ₹2,525 |
| ₹0.75L | ₹11,700 | ₹8,175 | Samsung Axis Bank Infinite by ₹3,525 |
| ₹1L | ₹15,600 | ₹10,650 | Samsung Axis Bank Infinite by ₹4,950 |
| ₹1.25L | ₹19,500 | ₹12,375 | Samsung Axis Bank Infinite by ₹7,125 |
| ₹1.5L | ₹23,400 | ₹14,100 | Samsung Axis Bank Infinite by ₹9,300 |
| ₹1.75L | ₹27,300 | ₹15,825 | Samsung Axis Bank Infinite by ₹11,475 |
| ₹2L | ₹31,200 | ₹17,550 | Samsung Axis Bank Infinite by ₹13,650 |
| ₹2.25L | ₹35,100 | ₹19,275 | Samsung Axis Bank Infinite by ₹15,825 |
| ₹2.5L | ₹39,000 | ₹21,000 | Samsung Axis Bank Infinite by ₹18,000 |
| ₹2.75L | ₹42,900 | ₹22,725 | Samsung Axis Bank Infinite by ₹20,175 |
| ₹3L | ₹46,800 | ₹24,450 | Samsung Axis Bank Infinite by ₹22,350 |
| ₹3.25L | ₹50,700 | ₹26,175 | Samsung Axis Bank Infinite by ₹24,525 |
| ₹3.5L | ₹54,600 | ₹27,900 | Samsung Axis Bank Infinite by ₹26,700 |
| ₹3.75L | ₹58,500 | ₹29,625 | Samsung Axis Bank Infinite by ₹28,875 |
| ₹4L | ₹62,400 | ₹31,350 | Samsung Axis Bank Infinite by ₹31,050 |
| ₹4.25L | ₹66,300 | ₹33,075 | Samsung Axis Bank Infinite by ₹33,225 |
| ₹4.5L | ₹70,200 | ₹34,800 | Samsung Axis Bank Infinite by ₹35,400 |
| ₹4.75L | ₹74,100 | ₹36,525 | Samsung Axis Bank Infinite by ₹37,575 |
| ₹5L | ₹78,000 | ₹38,250 | Samsung Axis Bank Infinite by ₹39,750 |
Transfer reach
Only Samsung Axis Bank Infinite
- Singapore Airlines KrisFlyer
- Finnair Plus (Avios)
- Qatar Airways Privilege Club (Avios)
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
Samsung Axis Bank Infinite · 2 more →
- CLOSED to new applications — Axis redirects applicants to the ₹500 Samsung Axis Signature
- Worst transfer bucket Axis runs: 20 EDGE Reward Points = 1 partner mile (10:1 to ITC/SpiceJet/AirAsia)
- Fuel, rent, utilities, telecom, insurance, education, government, gold, wallet loads and Samsung spends earn ZERO points
ICICI Bank Rubyx · 1 more →
- ~0.5% base reward rate; points redeem at just ₹0.25
- Domestic lounges need ₹75k of prior-quarter spend; 2 a quarter
- 3.5% forex — no reason to take it abroad
The call
For the ₹1L/month spender, Samsung Axis Bank Infinite nets ₹15,600 against ₹10,650 — a ₹4,950 gap. At ₹5L/month, Samsung Axis Bank Infinite nets ₹78,000 against ₹38,250 — a ₹39,750 gap. Lounge chasers: Samsung Axis Bank Infinite opens 731 of 789 tracked doors to ICICI Bank Rubyx's 129.
Our standing verdicts: Samsung Axis Bank Infinite — Downgrade; ICICI Bank Rubyx — Downgrade. On our board, Samsung Axis Bank Infinite sits at #80 to ICICI Bank Rubyx's #88 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, Samsung Axis Bank Infinite or ICICI Bank Rubyx?
Samsung Axis Bank Infinite. It sits at #80 on our board to ICICI Bank Rubyx's #88. Samsung Axis Bank Infinite takes 6 of the 7 rounds we can score. ICICI Bank Rubyx wins under ₹0.75L/month; Samsung Axis Bank Infinite takes over above it.
Samsung Axis Bank Infinite or ICICI Bank Rubyx — which earns more at ₹3L a month?
At ₹3L a month, Samsung Axis Bank Infinite nets ₹46,800 against ₹24,450 — a ₹22,350 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, Samsung Axis Bank Infinite or ICICI Bank Rubyx?
ICICI Bank Rubyx — ₹3,000 joining, then ₹2,000/yr against ₹5,000/yr. Samsung Axis Bank Infinite waives its fee at ₹7,00,000 of spend; ICICI Bank Rubyx at ₹3,00,000 of spend.
Which gets you into more airport lounges, Samsung Axis Bank Infinite or ICICI Bank Rubyx?
Lounge chasers: Samsung Axis Bank Infinite opens 731 of 789 tracked doors to ICICI Bank Rubyx's 129. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: Samsung Axis Bank Infinite on 2026-07-26, ICICI Bank Rubyx on 2026-08-09. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.