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
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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
- • Welcome Benefit - Bonus points: Get 6,000 bonus reward points worth Rs. 1,500 on payment of Annual Fee
- • Complimentary annual memberships of Swiggy One and Times Prime on spending ₹75,000 within the first 90 days of card issuance
- • 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
- • Reward Rate — BPCL fuel - Accelerated rewards on BPCL fuel/lubricants: 7.25% value back (~25X Reward Points) on BPCL fuel purchases
- • 25 RP per ₹100 on BPCL Fuel, Lubricants & Bharat Gas (website & app only)
- • capped at 2,500 RP per billing cycle
- • Reward Rate — Dining/Grocery/Movies - 10 RP per ₹100: 10 RP per ₹100 on Dining, Departmental Stores, Grocery & Movies — capped at up to 7,500 RP per month
- • Reward Rate — Bharat Gas - Bharat Gas category: 25 RP per ₹100 on Bharat Gas (website & app only), capped at 500 RP per billing cycle
- • Reward Rate — Other retail - Base reward rate: 1 RP per ₹100 on other retail purchases (except mobile wallet upload & non-BPCL fuel spends)
- • 4 Reward Points on every ₹200 retail spend
- • 20 Reward Points on every ₹200 spent on Swiggy and Zomato (5X)
- • Up to 10X Reward Points on spends via SmartBuy
- • 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
- • 5X-equivalent reward rate on eligible Swiggy and Zomato online food orders
- • Up to 10X SmartBuy rewards
- • Swiggy One and Times Prime welcome memberships
- • Milestone vouchers
- • Movie and dining benefits
- • Conditional domestic and international lounge access
- • Annual renewal fee of ₹2000
- • Reward exclusion on fuel purchases and wallet load transactions
- • ₹1,000 joining/renewal membership fee plus applicable taxes unless waived
- • Renewal-fee waiver requires ₹3 lakh eligible annual spend
- • Lounge access is linked to eligible previous-quarter spend
- • Reward redemption value varies by redemption channel