ICICI Bank
ICICI Bank Rubyx Credit Card
4.3 / 5visa · amex
- Joining fee
- ₹3,000
- Annual fee
- ₹2,000
- Base reward
- 0.5%
- Min income
- ₹75,000/mo
- Forex markup
- 3.5%
- Interest p.a.
- 45%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Travel | 1% | Uncapped |
| Utilities & bills | 0.25% | Uncapped |
| Insurance | 0.25% | Uncapped |
Benefits
- ▸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
The good
- + Strong milestone reward points (up to 15,000/year)
- + Domestic + railway lounge access
- + Higher rewards on international spends
The catch
- − 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