ICICI Bank Rubyx Credit Card
Updated 15 Apr 2026Source-linked
The ICICI Bank Rubyx Credit Card is a mid credit card from ICICI Bank, with a joining fee of ₹2,000 + GST.
It earns up to 6% back on international spend spends in the form of payback points (points).
Cardholders get 4 annual domestic + 2 annual international airport lounge access, plus 3,000 bonus payback points + welcome voucher as a welcome benefit.
ICICI Bank Rubyx Credit Card
- Joining Fee₹3,000
- Annual Fee₹2,000
- Best Suited ForTravel
- Reward TypePAYBACK Points (points)
Rewards Rate
- 6% on international spend
- Base 1.00% on other spends
Welcome Benefits
- 3,000 bonus PAYBACK points + welcome voucher
ICICIsignaturemidRewards and Benefits
Rewards Rate
6% on international spend
Base 1.00% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
3,000 bonus PAYBACK points + welcome voucher
Milestone Rewards
N/A
Domestic Lounge Access
4 visits each annual on making spends of ₹35,000 in the previous quarterly.
International Lounge Access
2 visits each annual.
Travel
N/A
Movie & Dining
N/A
Golf
2 round(s) / monthly.
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹4,50,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- mid card issued by ICICI Bank.
- Joining / annual fee of ₹2,000 + GST, waived on annual spends of ₹4,50,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (4/annual) + international (2/annual).
Pros & Cons
Pros
- Annual fee waivable on ₹4,50,000 spend.
- Complimentary international airport lounge access.
- Accelerated earn rate of 6% on international spend.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹750 welcome benefit
- 3,000 bonus PAYBACK points + welcome voucherJoining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 6% on international spend
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Domestic
4 visit(s) / annual. Via dreamfolks.
Unlocks after ₹35,000 / quarterly spend.
International
2 visit(s) / annual. Via dreamfolks.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000.
Sources
- : www.icicibank.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 730+
- Income (salaried)
- ₹6,00,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.