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Credit Cards · India

ICICI Bank Rubyx Credit Card

Updated 5 Jul 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 12× (≈4.8% value) on ishop hotels spends in the form of icici reward points (points).

Cardholders get 2 quarterly domestic + 2 annual international airport lounge access, plus welcome gift vouchers: tata cliq ₹2,000, easemytrip ₹2,000 (2×₹1,000), croma ₹1,000 (2×₹500) and eazydiner 3-month prime membership as a welcome benefit.

ICICI Bank logo
ICICI Bank Rubyx Credit Card
Visa logo
  • Joining Fee₹3,000
  • Annual Fee₹2,000
  • Best Suited ForTravel
  • Reward TypeICICI Reward Points (points)
Rewards Rate
  • 4 pts per ₹100 on international spend
  • 1 pts per ₹100 on utility and insurance
  • 12× on ishop hotels (cap 15000 points / monthly)
  • Base 0.40% on other spends
Welcome Benefits
  • Welcome gift vouchers: Tata CLiQ ₹2,000, EaseMyTrip ₹2,000 (2×₹1,000), Croma ₹1,000 (2×₹500) and EazyDiner 3-month Prime membership
Data verified 5 Jul 2026 — see our methodology
ICICI Bank logoICICIVisa logosignaturemid
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Rewards and Benefits

Rewards Rate
4 pts per ₹100 on international spend
1 pts per ₹100 on utility and insurance
12× on ishop hotels (cap 15000 points / monthly)
Base 0.40% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
Welcome gift vouchers: Tata CLiQ ₹2,000, EaseMyTrip ₹2,000 (2×₹1,000), Croma ₹1,000 (2×₹500) and EazyDiner 3-month Prime membership
Milestone Rewards
  • ₹3,00,000 / annual: 3,000 Reward Points on ₹3 lakh annual spend
  • ₹1,00,000 / annual: 1,500 Reward Points for every additional ₹1 lakh spend (up to 15,000 points per year)
Domestic Lounge Access
2 visits each quarterly on making spends of ₹75,000 in the previous quarterly.
International Lounge Access
2 visits each annual.
Travel
N/A
Movie & Dining
DISCOUNT on BookMyShow and INOX
Golf
2 round(s) / monthly.
Insurance Benefits
  • air accident: ₹1,00,00,000
  • personal accident: ₹2,00,000
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Utilities & bills₹10/mo

    You spend ₹5,000 · earns 0.2% = ₹10 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.4% = ₹60/mo
  • Groceries₹8,000 · 0.4% = ₹32/mo
  • Dining & food delivery₹8,000 · 0.4% = ₹32/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.4% = ₹40/mo

    Travel & hotels — earns base; accelerated rate needs booking via ishop

Est.net rewards for this spend, realistic
₹2,088/yr

₹2,088 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹3,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% 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 ₹3,00,000.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (2/quarterly) + international (2/annual).
  • Insurance cover bundled: air accident, personal accident.

Pros & Cons

Pros
  • Annual fee waivable on ₹3,00,000 spend.
  • Complimentary international airport lounge access.
  • 24/7 concierge service.
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
  • Accelerated earn worth ≈4.8% on ishop hotels.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹5,000 welcome benefit

  • Welcome gift vouchers: Tata CLiQ ₹2,000, EaseMyTrip ₹2,000 (2×₹1,000), Croma ₹1,000 (2×₹500) and EazyDiner 3-month Prime membership
    Joining fee paid; claimed via iMobile/Net Banking

Accelerated rewards

  • 4 pts per ₹100 on international spend
  • 1 pts per ₹100 on utility and insurance
  • 12× on ishop hotels (cap 15000 points / monthly)
    Up to 12X reward points on HOTEL bookings via ICICI iShop (booked via iShop only). Shares the 15,000 RP/calendar-month iShop cap (ICICI capping PDF, WEF 1-Oct-2025) with iShop flights; iShop also gives 6X on bus + shopping vouchers (not modelled).
  • 6× on ishop flights (cap 15000 points / monthly)
    Up to 6X reward points on FLIGHT bookings via ICICI iShop (booked via iShop only). Shares the 15,000 RP/calendar-month iShop cap with iShop hotels.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • emi

Milestone benefits

  • ₹3,00,000 / annual: 3,000 Reward Points on ₹3 lakh annual spend
  • ₹1,00,000 / annual: 1,500 Reward Points for every additional ₹1 lakh spend (up to 15,000 points per year)

Airport lounge access

Domestic
2 visit(s) / quarterly. Via dreamfolks.
Unlocks after ₹75,000 / quarterly spend.
Complimentary domestic lounge access requires ₹75,000 spend in the preceding calendar quarter (MITC, w.e.f. Jan 1, 2025).
International
2 visit(s) / annual. Via dreamfolks.

Insurance benefits

  • air accident: ₹1,00,00,000
  • personal accident: ₹2,00,000
    RuPay variant

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
730+
Income (salaried)
₹9,00,000 p.a.
Income (self-employed)
₹9,00,000 p.a.
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