ICICI Bank Rubyx Credit Card Review 2026: Fees, Rewards & Lounge Ac...
Check ICICI Rubyx Credit Card benefits, ₹5000 welcome vouchers, and domestic lounge access. Is the dual-card variant worth the ₹3000 joining fee?
The ICICI Rubyx is a solid mid-premium 'all-rounder' card, particularly attractive for its dual-network benefits and generous welcome vouchers. However, its reward rate is mediocre, and the high spend threshold for lounge access makes it less competitive than newer entries in the market.
India's first dual platinum credit card with lifestyle and travel privileges.
The Bottom Line
The ICICI Bank Rubyx Credit Card is the ICICI Rubyx is a solid mid-premium 'all-rounder' card, particularly attractive for its dual-network benefits and generous welcome vouchers. However, its reward rate is mediocre, and the high spend threshold for lounge access makes it less competitive than newer entries in the market. With a ₹2,000 annual fee that is waived on ₹3,00,000 yearly spend, it offers 0% rewards on ishop (travel/vouchers) and 2 complimentary domestic airport lounge visits per. For anyone researching icici bank rubyx credit card, the verdict is simple: conditional.
It earns a base reward rate of 0.25% and stacks best when your spending lines up with Lifestyle Enthusiast, Domestic Traveler. The renewal fee gets easier to justify once you can hit ₹3,00,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealOffers a mix of golf, movies, and dining discounts through the Culinary Treats program.
Provides both airport and railway lounge access within India.
Probably not for
SkipLacks complimentary international lounge access and has a standard 3.5% forex markup.
The ₹75,000 quarterly spend requirement for lounge access is high for casual users.
Is It Worth It For You?
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Reward Rates
ICICI Bank Rubyx Credit Card offers 0.25% basic reward rate.
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Welcome Offer
Tata CLiQ: ₹2,000 EaseMyTrip: ₹2,000 (2 x ₹1,000) Croma: ₹1,000 (2 x ₹500) EazyDiner Prime: 3-month membership
Milestone Benefits
For every ₹1 lakh spent after the initial ₹3 lakh, up to 15,000 points total per year.
Bonus Points
Fees & Charges
Eligibility
- Min Income: ₹9 Lakhs
- Min Credit Score: 750
- Minimum age of 23 years for primary cardholders. Salaried individuals typically require a monthly income of ₹75,000+.
Exclusions & Terms
Fuel
- Eligible for surcharge waiver instead of points
Rent
- Standard bank exclusion
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Frequently Asked Questions
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