ICICI Bank Rubyx Credit Card
The ICICI Bank Rubyx Credit Card sits in the mid-premium segment, offering 2 domestic and 2 international lounge visits per quarter, movie discounts, and ICICI Reward Points.
Premium Privileges Fit Score
74/100
Joining Fee
₹3,000
Annual Fee
₹3,000
Reward Rate (%)
2
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
24/35
Fee Value & ROI
14/25
Lounge & Perks
11/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
ICICI Bank Rubyx Credit Card Benefits
ICICI Bank Rubyx Credit Card Rewards
How you earn back on every swipe
points
Reward type
2%
Earn rate
₹0.25
Per point
ICICI Bank Rubyx Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
ICICI Bank Rubyx Credit Card has a joining fee of ₹3,000 and an annual fee of ₹3,000, waived when you spend ₹5,00,000 or more in a year.
ICICI Bank Rubyx Credit Card Lounge Access
Airport perks included with this card
ICICI Bank Rubyx Credit Card offers 1 complimentary domestic airport lounge visit per quarter.
1 per quarter
Domestic lounge visits
0 per year
International lounge visits
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹41,667/mo (₹5,00,004/yr), your ₹3,000 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
ICICI Bank Rubyx Credit Card FAQs
What is the annual fee for ICICI Bank Rubyx Credit Card?
The annual fee for ICICI Bank Rubyx Credit Card is ₹3,000. The fee is waived on annual spend above ₹5,00,000.
What is the joining fee for ICICI Bank Rubyx Credit Card?
The one-time joining fee for ICICI Bank Rubyx Credit Card is ₹3,000.
What are the rewards and benefits of ICICI Bank Rubyx Credit Card?
ICICI Bank Rubyx Credit Card earns points rewards. Reward rate ranges from 2% to 2%.
What lounge access benefits does ICICI Bank Rubyx Credit Card provide?
ICICI Bank Rubyx Credit Card provides 1 domestic lounge visits per quarter.
What is the eligibility criteria for ICICI Bank Rubyx Credit Card?
To be eligible for ICICI Bank Rubyx Credit Card, you need a minimum monthly income of ₹50,000.
What welcome and milestone benefits does the ICICI Bank Rubyx Credit Card offer?
Milestone bonus: 2,500 points on Rs. 3.5L spend.
How do you earn rewards with the ICICI Bank Rubyx Credit Card?
2x rewards on shopping, dining, and entertainment. 2x rewards on dining. 2x rewards on entertainment. 2 PAYBACK points per ₹100 on all other spends.
What discounts and extra perks come with the ICICI Bank Rubyx Credit Card?
Golf privileges: complimentary games.
Is the ICICI Bank Rubyx Credit Card worth its annual fee?
The annual fee is ₹3,000, waived when you spend ₹5,00,000 or more in a year. At the 2% reward rate, rewards alone cover the fee at about ₹1,50,000 of yearly spend.
ICICI Bank Rubyx Credit Card Eligibility
To apply for ICICI Bank Rubyx Credit Card you need to have a monthly income of at least ₹50,000.
Quick Links
Data last updated 11 Sept 2026
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