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ICICI Bank
ICICI Bank Rubyx Credit Card
4.3Best for travel
Lounge access
- Joining fee
- ₹3,000
- Annual fee
- ₹2,000
- Welcome bonus
- ₹5,000
- Forex markup
- 3.5%
- Interest p.a.
- 45%
- Min income
- ₹75,000/mo
How this card earns
Reward rates by category, with caps and an estimated yearly value.
| Spend category | Reward rate | Monthly cap | Est. value/yr |
|---|---|---|---|
Travel 4 ICICI Reward Points per ₹100 on international spends; point value ≈ ₹0.25 → ~1% | 1% | — | ₹1,200 |
Utilities & bills 1 Reward Point per ₹100 on utilities/insurance | 0.25% | — | ₹300 |
Insurance 1 Reward Point per ₹100 | 0.25% | — | ₹300 |
| All other spends | 0.5% | — | ₹600 |
Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.
Fees & charges
Joining fee₹3,000
Annual fee₹2,000
Annual fee waiverRenewal fee waived on spends of ₹3,00,000 or more in the previous year
Foreign currency markup3.5%
Finance charge (p.a.)45%
Fuel surcharge waiver1%
Spend milestones
| Annual spend | Benefit | Value |
|---|---|---|
| ₹3,00,000 | 3,000 Reward Points on annual spend of ₹3,00,000 | ₹750 |
| ₹4,00,000 | 1,500 Reward Points for every additional ₹1,00,000 spent (max 15,000 points/year) | ₹375 |
Key benefits
- Airport lounge access — 2/quarter domestic (2 domestic airport lounge visits per quarter on spends of ₹75,000+ in the previous quarter; plus 8 railway lounge visits/year)
- 2 ICICI Reward Points per ₹100 on domestic spends (≈0.5% value-back)
- 4 Reward Points per ₹100 on international spends
- Up to 2 complimentary golf rounds per month on ₹50,000+ monthly spends
- BookMyShow movie and dining discounts
- 1% fuel surcharge waiver (₹400–₹4,000)
- Comprehensive insurance cover
What we like
- +Strong milestone reward points (up to 15,000/year)
- +Domestic + railway lounge access
- +Higher rewards on international spends
What to watch
- −Lounge access gated behind ₹75,000 quarterly spend
- −Base value-back of only ~0.5% on domestic spends
- −First-year joining fee of ₹3,000
Compare with similar cards
- Top reward
- 5%
- Annual fee
- Lifetime free
- Top reward
- 1%
- Annual fee
- ₹12,000
- Top reward
- 5%
- Annual fee
- ₹500
- Welcome bonus
- ₹500 value