ICICI Rubyx Credit Card: Fees, Rewards & Benefits
Utilities card with lounge access
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The ICICI Rubyx is a premium card offering 8 domestic lounge visits, golf, milestone points up to 15,000 a year and 2x points abroad. The Rs 0.25 point value and 3.5% forex markup hold back real returns, so it works best for domestic travellers spending Rs 3 lakh+ to cover the Rs 2,000 fee.
Utilities card with lounge access
The Bottom Line
The ICICI Rubyx is built for frequent domestic flyer and milestone spender. With a ₹2,000 annual fee that is waived on ₹3,00,000 yearly spend, it offers 1% rewards on international and a welcome benefit worth ₹5,000. It makes the most sense if your spending matches frequent domestic flyer and milestone spender.
It earns a base reward rate of 0.5% and stacks best when your spending lines up with Frequent Domestic Flyer, Milestone Spender. The renewal fee gets easier to justify once you can hit ₹3,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealTravellers who value 8 domestic lounge visits, railway lounge access and golf, and can spend Rs 3 lakh to waive the Rs 2,000 fee
Users spending Rs 3 lakh+ a year who can earn up to 15,000 milestone points on top of base earning
Probably not for
SkipThose paying mostly utility bills, which earn only 1 point per Rs 100
Frequent overseas spenders, since the 3.5% forex markup erodes the 2x international earn and there is no international lounge access
Is It Worth It For You?
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Reward Rates
ICICI Rubyx offers 0.5% basic reward rate.
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Welcome Offer
Welcome vouchers worth over Rs. 5,000 on payment of the joining fee, including Tata CLiQ (Rs. 2,000), EaseMyTrip (Rs. 2,000), Croma (Rs. 1,000) and a holiday package voucher (Rs. 3,000).
Milestone Benefits
3,000 Reward Points on reaching Rs. 3 lakh annual spend.
1,500 Reward Points for every additional Rs. 1 lakh spent beyond Rs. 3 lakh, capped at 15,000 milestone Reward Points per year.
Annual/renewal fee of Rs. 2,000 + GST waived on annual spends over Rs. 3,00,000.
Fees & Charges
Eligibility
- Min Income: ₹6 Lakhs
- Min Credit Score: 750
- Age 21-65; min monthly income Rs 50K salaried or Rs 5.5L p.a. self-employed; available on Visa Signature, Mastercard World, RuPay; annual fee waived on Rs 3L+ spend.
Exclusions & Terms
Forex markup
- Foreign currency markup
Frequently Asked Questions
3 data-backed answers from our card database
Ready to apply?
₹2,000 annual fee. Apply on the ICICI Bank website.
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