ICICI Bank Rubyx Credit Card
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ICICI Bank

ICICI Bank Rubyx Credit Card

Visa
Premium

Your rating

Community rating

Best for Mid-premium lifestyle — lounge access, movies and dining rewards

Joining Fee

₹3,000

Annual Fee

₹2,000

Reward Rate

1% – 4%

Forex Markup

3.5%

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Key Benefits

4 Reward Points per ₹100 on international spends
2 Reward Points per ₹100 on domestic retail spends
Buy 1 Get 1 movie/event tickets up to ₹150 twice monthly via BookMyShow & INOX
4 complimentary domestic airport lounge visits per year (1 per quarter)
2 complimentary international lounge visits per year via DreamFolks/Priority Pass on select variants
Complimentary railway lounge access on eligible variants
Annual fee waiver on ₹3 lakh annual spends
1% fuel surcharge waiver on ₹400–₹4,000 fuel transactions
Dining discounts via ICICI Culinary Treats program

Rewards

How you earn back on every swipe

points

Reward type

1% – 4%

Earn rate

4

Points / ₹100

Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹3,000
Annual fee₹2,000
Fee waiver on annual spend₹3,00,000
Interest-free period50 days
Interest rate (APR)45%
Late payment fee (max)₹1,300
Cash advance fee3.75% (min ₹500)
Forex markup3.5%
Fuel surcharge waiverYes (₹400–₹4000)

Travel & Lounge Access

Airport perks included with this card

2 per quarter

Domestic lounge visits

Things to Keep in Mind

  • fuel transactions do not earn reward points
  • movie offer limited to two tickets
  • airport and railway lounge access only for primary cardholder
  • golf benefit excludes non-eligible spend categories

Card Features

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Eligibility

Age21+ yrs – 65
Min. income₹75,000/month

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • Good entry-level premium lifestyle card
  • Dual-card setup improves acceptance and Amex offers access
  • Useful airport and railway lounge access benefits
  • Strong movie and entertainment offers
  • Better rewards on international spends
  • Good ICICI dining and merchant offers ecosystem
  • Suitable for moderate travelers and lifestyle users
Cons
  • Reward redemption value is relatively low
  • Forex markup is high despite better international rewards
  • Lounge access benefits vary across variants
  • Annual fee is relatively high for current rewards structure
  • Best value depends heavily on ICICI partner offers
  • Weaker overall rewards compared to newer premium cards
  • Amex acceptance can still be limited at some merchants
  • Reward exclusions apply on fuel, EMI, wallet loads & rent

Who is this card for?

Working professionals spending ₹40,000–₹80,000/month who want lounge access, movie benefits, and moderate reward points. Best for those who travel a few times a year domestically.

Quick Links

View on bank website

Data last updated 24 Mar 2026

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