ICICI Bank Rubyx Credit Card
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 4 Handpicked Points per ₹100 (4 Handpicked Points per ₹100 on international spends)
Overview
ICICI Bank Rubyx Credit Card by ICICI Bank provides premium value tailored for Mid-Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 4 Handpicked Points per ₹100 (4 Handpicked Points per ₹100 on international spends)
- • 2 Handpicked Points per ₹100 (2 Handpicked Points per ₹100 on domestic retail spends)
- • Accelerated Rewards: 50% extra points on American Express card variant
- • Excluded Categories: Fuel, Wallet loads
Welcome Benefit
Welcome vouchers worth ₹5,000+ (Tata CLiQ, EaseMyTrip, Croma) on payment of joining fee; Qualification Criteria: Card activation and fee payment within 45 days; Fulfillment Timeline: 45 days post fee realization
Milestone Benefit
Spend ₹3 Lakhs (Annual): Annual renewal fee waiver of ₹2,000; Spend ₹2 Lakhs (Annual): 2,000 bonus Reward Points; Annual Fee Waiver: Spend ₹3,00,000 or more in preceding 12 months for fee waiver
Redemption
Handpicked Rewards vouchers, merchandise, and air tickets
Benefits
- Domestic Airport Lounge: 8 per year (2 per quarter upon spend criteria) via Dreamfolks / Mastercard
- Fuel Surcharge Waiver: 1% (Max waiver ₹500 per cycle)
- Buy 1 Get 1 Free Movie Tickets: Buy 1 ticket and get up to ₹250 off on 2nd ticket twice a month on BookMyShow. (Max 2 tickets per month) [Partners: BookMyShow]
- Complimentary Railway Lounge Access: 2 complimentary railway lounge visits per calendar quarter across India. (Available at major railway junctions in India) [Partners: IRCTC Lounges]
Things to Know Before you apply
ICICI Bank Rubyx Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried min ₹50,000/month; Self-employed min ITR ₹6,00,000 p.a.
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹3,000 |
| Annual Fee | ₹2,000 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: Spend ₹3,00,000 or more in preceding 12 months for fee waiver
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
ICICI Bank Rubyx Credit Card issued by ICICI Bank is one of India's leading credit cards for Mid-Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 4 Handpicked Points per ₹100 (4 Handpicked Points per ₹100 on international spends)
- • 2 Handpicked Points per ₹100 (2 Handpicked Points per ₹100 on domestic retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹2000
- • Reward exclusion on fuel purchases and wallet load transactions
Compare with Similar Cards
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- • Welcome vouchers worth ₹5,000+ (Tata CLiQ, EaseMyTrip, Croma) on payment of joining fee
- • Qualification Criteria: Card activation and fee payment within 45 days
- • Fulfillment Timeline: 45 days post fee realization
- • 6,000 bonus Reward Points worth ₹1,500 upon payment of joining fee
- • Qualification Criteria: Payment of joining fee within 30 days
- • Fulfillment Timeline: 30 days post fee realization
- • Complimentary Annual Memberships (Swiggy One & Times Prime) upon spending ₹75,000 within 90 days
- • Qualification Criteria: Spend ₹75,000 within 90 days of card setup
- • Fulfillment Timeline: Issued via SMS/Email within 30 days post spend milestone
- • Base Rewards: 4 Handpicked Points per ₹100 (4 Handpicked Points per ₹100 on international spends)
- • 2 Handpicked Points per ₹100 (2 Handpicked Points per ₹100 on domestic retail spends)
- • Accelerated Rewards: 50% extra points on American Express card variant
- • Excluded Categories: Fuel, Wallet loads
- • Base Rewards: 1 Reward Point per ₹100 (1 Reward Point per ₹100 on other retail spends)
- • Accelerated Rewards: 7.25% value back on BPCL fuel & lubricants: 25 Reward Points per ₹100 (6.25% value) + 1% fuel surcharge waiver (capped at 2,500 RPs per billing cycle). 10 RPs per ₹100 on Dining, Groceries, Departmental Stores & Movies.
- • Excluded Categories: Non-BPCL petrol pumps, Wallet loads
- • Base Rewards: 4 Reward Points per ₹150 (Base 2.6% reward point accumulation)
- • Accelerated Rewards: Up to 5X Reward Points via SmartBuy & 2X rewards on weekend dining
- • Excluded Categories: Fuel, Wallet loads
- • Base Rewards: 4 Handpicked Points per ₹100 (4 Handpicked Points per ₹100 on international spends)
- • 2 Handpicked Points per ₹100 (2 Handpicked Points per ₹100 on domestic retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 1 Reward Point per ₹100 (1 Reward Point per ₹100 on other retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 4 Reward Points per ₹150 (Base 2.6% reward point accumulation)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹2000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹1499
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹2500
- • Reward exclusion on fuel purchases and wallet load transactions