ICICI Bank Rubyx Credit Card
India's first dual credit card with premium lifestyle and travel privileges
Annual Fee
₹2,000
Base Rewards
0.5%
Forex Fee
3.5%
Expert Verdict
The ICICI Rubyx is a solid mid-premium offering for those who value lifestyle perks like golf and movies. However, the recent hike in lounge spend requirements to ₹75,000 per quarter has diminished its value for casual travelers.
Quick Match
Is this card right for you?
Great match for your profile!
Your Estimated Value
Year 1
+₹6,000
Includes ₹5,000 bonus
Year 2+
+₹1,000
Fee waiver eligible!
Why get this card
Dual card setup provides access to both Mastercard/Visa and American Express network offers
Generous welcome vouchers worth over ₹5,000 covering travel, shopping, and dining
Complimentary golf rounds and significant movie discounts on BookMyShow and INOX
Watch out for
High spend requirement of ₹75,000 per quarter to unlock domestic lounge access
No complimentary international airport lounge access included
Low base reward rate of 0.5% on domestic retail spends
Who is this card for?
Best for
lifestyle spender
Users who want a mix of movie discounts, golf access, and dining privileges across multiple networks.
Min: ₹50,000/mo
Skip if you're
international traveler
Frequent international travelers will miss out on complimentary global lounge access and face a 3.5% forex markup.
Base Earning
2 ICICI Reward Points
per ₹100 spent
0.5%
effective rate
Point value: ₹0.25/point
Bonus Categories
TRAVEL
2×
1% return
iShop - TRAVEL
12×
3% return
18000 pts/month
Welcome Offer
Vouchers from Tata CliQ (₹2,000), EaseMyTrip (₹2,000), Croma (₹1,000), and 3-month EazyDiner Prime membership.
₹5,000
value
within 45 days
Milestones
Spend ₹1.0L
1,500 points for every additional ₹1 lakh spent after the first ₹3 lakh (capped at 15,000 total points per year).
Spend ₹3.0L
3,000 points on reaching ₹3 lakh annual spend and annual fee waiver for the next year.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
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Upgrade Path
Move up or down within this bank