ICICI Rubyx Credit Card against FD Review: Fees, Rewards & Benefits

Explore the ICICI Bank Rubyx Credit Card against Fixed Deposit. Learn about the ₹75,000 minimum FD, ₹3,000 joining fee, lounge access, and reward points.

Vyaya Team · Mar 2026

5 min read

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Value Score

7.2 / 10

Annual Fee

₹2,000

Best For

credit-builder, lifestyle-enthusiast

Network

Mastercard

Expert Verdict

The ICICI Rubyx FD card is a unique secured offering that provides premium lifestyle perks usually reserved for high-income individuals. While the entry cost is high, the welcome vouchers and golf/movie benefits provide significant value for those who can meet the spend thresholds.

ICICI Bank Rubyx Credit Card against Fixed Deposit credit card by ICICI Bank - Mastercard network

REWARD SUMMARY

0.25% Base Rewards
Luxury within reach, secured by your savings.

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The Bottom Line

The ICICI Bank Rubyx Credit Card against Fixed Deposit is the ICICI Rubyx FD card is a unique secured offering that provides premium lifestyle perks usually reserved for high-income individuals. While the entry cost is high, the welcome vouchers and golf/movie benefits provide significant value for those who can meet the spend thresholds. With a ₹2,000 annual fee that is waived on ₹3,00,000 yearly spend, it offers golf privileges and 0.25% base rewards. For anyone researching icici bank rubyx credit card against fixed deposit, the verdict is simple: conditional.

It earns a base reward rate of 0.25% and stacks best when your spending lines up with credit-builder, lifestyle-enthusiast. The renewal fee gets easier to justify once you can hit ₹3,00,000 in yearly spend.

What we like

+Welcome vouchers worth ₹5,000+ on payment of joining fee, exceeding the fee cost.

+2 complimentary domestic airport lounge visits per quarter (subject to ₹75,000 spend).

+25% discount on movie tickets (BookMyShow/Inox) up to ₹150, twice a month.

+Complimentary golf rounds (up to 2 per month) based on previous month's spends.

What we don't

–High joining fee of ₹3,000 for a secured credit card.

–No international airport lounge access included.

–Low base reward rate of 0.50% for domestic spends.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

credit-builder

Ideal for individuals with no credit history who want a premium lifestyle card without income proof.

Best value above ₹25,000/month

lifestyle-enthusiast

Strong benefits for movies, dining, and golf which are rare in secured cards.

Best value above ₹30,000/month

Probably not for

Skip

–

low-spender

The annual fee waiver requires ₹3 Lakh spend, which is high for casual users.

Is It Worth It For You?

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Reward Rates

ICICI Bank Rubyx Credit Card against Fixed Deposit offers 0.25% basic reward rate.

Quick Calculator

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Where

Amount

₹

Flat 0.25% on all spends

Milestone Benefits

Spend ₹0Value: ₹3

Earned on reaching ₹3 Lakh annual spend.

Spend ₹0Value: ₹1

Earned for every ₹1 Lakh spent after the first ₹3 Lakh (max 15,000 RP per year).

Fees & Charges

Joining fee₹3,000

Annual fee₹2,000

Fee waiverSpend > ₹3,00,000

Eligibility

Issued against a fixed deposit of minimum ₹75,000 with a minimum tenure of 180 days. FD must be in auto-renewal mode.

Frequently Asked Questions

2 data-backed answers from our card database

What is the minimum FD required for ICICI Rubyx Credit Card?+

The minimum fixed deposit required is ₹75,000 with a minimum tenure of 180 days.

Does ICICI Rubyx FD card offer lounge access?+

Yes, it offers 2 complimentary domestic airport lounge visits per quarter, provided you spend ₹75,000 in the previous calendar quarter.

Ready to apply?

₹2,000 fee. Excellent rewards. Apply now securely.

Apply on ICICI Bank →

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