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REWARD POINTS CARD

ICICI Bank Rubyx Credit Card

ICICI Bank

Welcome vouchers on joining-fee payment, domestic airport and railway lounge access, golf rounds, BookMyShow offers, 24/7 concierge and ₹1 crore air accident cover.

Annual fee ₹2,000 + GST from year 2, reversed on ₹3 lakh spend in an anniversary year. Domestic lounge access needs ₹75,000 and BookMyShow ₹25,000 spend in the preceding quarter. Lounge and golf are for the primary cardholder only.

ICICI Bank Rubyx Credit Card
ANNUAL FEE
₹2,000 + GST
JOINING FEE
₹3,000 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Welcome vouchers from Tata CLiQ, EaseMyTrip, Croma, ELIVAAS, EazyDiner and Avis on payment of the joining fee.
BEST FOR
Included: Cardholders spending ₹3 lakh or more a year who use domestic airport and railway lounges.
Included: May suit those spending ₹75,000 or more a quarter who use domestic airport lounges.
Included: May suit golfers spending ₹50,000 or more a month on the card.
Included: May suit those who book movie tickets on BookMyShow and spend ₹25,000 or more a quarter.
Limitation: Those who carry a balance (3.75% a month) or spend mainly on fuel, rent may wish to compare other cards.
Limitation: Those spending under ₹3 lakh a year may wish to compare other cards.
Limitation: Those who carry a balance, given finance charges of 3.75% a month may wish to compare other cards.
Limitation: Those whose spends are mainly fuel, rent or wallet loads, which earn no Reward Points may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Reward Points expire 36 months from the date of issuance and lapse if the card is cancelled.
Condition: Points are earned only on spends up to ₹80,000 utility, ₹80,000 insurance, ₹40,000 grocery and ₹20,000 transport per statement cycle.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
21
Maximum age
65

Fees & ownership

Joining fee
₹3,000 + GST
Annual / renewal fee
₹2,000 + GST
Fee waived at
₹3,00,000 spend in a card anniversary year (excl. EMI, rent, government and education)
Forex markup
3.5%
Finance charge
3.75% per month
Cash withdrawal fee
2.5% of the amount, minimum ₹500
Late-payment charge
Not stated
Interest-free period
18–48 days

Benefits & privileges

TRAVEL
Domestic airport lounge
2 visits per quarter — 2 visits per calendar quarter · Needs ₹75,000 spend in the preceding calendar quarter; primary cardholder only; dual-card holders get 1 per variant · ₹75,000 in the preceding calendar quarter
International airport lounge
Not stated
Railway lounge
2 visits per quarter — 2 visits per quarter (8 a year) · Primary cardholder only; show card, valid train ticket and photo ID; ₹2 authorisation; guests charged · ₹75,000 in the preceding calendar quarter
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% on fuel transactions of ₹400–₹4,000 at any fuel outlet in India; primary and Plus cardholders
Dining
3-month EazyDiner Prime membership, part of the welcome vouchers
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No Reward Points on cash, rent, e-wallet reloads, fuel or EMI transactions; rent, government and education spends do not count towards milestone or fee waiver.; Cash withdrawals, rent, e-wallet reloads, fuel and EMI transactions.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
36 months
Redemption fee
₹99
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: Welcome vouchers from Tata CLiQ, EaseMyTrip, Croma, ELIVAAS, EazyDiner and Avis on payment of the joining fee.
Included: Air accident insurance cover of ₹1 crore for the primary cardholder.
Included: Golf: 1 round or lesson per ₹50,000 spend in the previous calendar month, up to 2 a month, for the primary cardholder.
Included: 24/7 concierge for restaurant reservations, hotel and flight bookings, car rentals and emergency assistance.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.