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ICICI Bank
ICICI Bank Rubyx Credit Card
- Joining fee incl. GST
- ₹3,540
- Renewal fee incl. GST
- ₹2,360
- Conditional welcome value
- —
- Forex markup
- 3.5%
- Interest p.a.
- 45%
- Min income (salaried)
- ₹75,000/mo
Welcome benefits depend on the actual offer and qualifying conditions; points and vouchers are not an automatic cash refund. On payment of the joining fee; sent to the registered e-mail within 45 days. ICICI's page states 'over ₹5,000' in its FAQ and 'over ₹15,000' in its banner, so only the ₹5,000 floor is stored here. These are restricted discount vouchers/memberships, not cash; minimum booking values and redemption restrictions apply.
How this card earns
Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.
Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.
What still needs confirmation
- Reward ceilings, transaction rounding and detailed annual qualifying-spend exclusions remain unverified; point values are comparison assumptions.
| Spend category | Reward rate | Reward limit |
|---|---|---|
Travel Only the qualifying merchants or payment route below 4 points per ₹100 on eligible international purchases; domestic travel does not qualify. Comparison at ₹0.25/point; forex charges are separate. | 1% | Unverified |
Utilities & bills 1 Reward Point per ₹100 on utilities/insurance | 0.25% | Unverified |
Insurance 1 Reward Point per ₹100 | 0.25% | Unverified |
| Other eligible purchases | 0.5% | — |
Excluded from ordinary earning: Fuel, Rent. Specific qualifying offers, if any, are listed above.
Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.
Fees & charges
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, unlocked by ₹75,000 of spend in the preceding spends quarter (primary cardholder only; dual-network holders get 2 visits per quarter per variant); 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
- A round or lesson of golf for every ₹50,000 of retail spend in the previous calendar month, up to 2 per month
- 25% off (up to ₹150) on BookMyShow and INOX movie tickets, twice a month - from 01 April 2026 this requires ₹25,000 of spend in the preceding spends quarter
- 8 complimentary railway lounge visits per year
- 1% fuel surcharge waiver (₹400–₹4,000)
- Air accident insurance cover of up to ₹1 crore
- 24/7 concierge service
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
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