ICICI Bank Rubyx Credit Card
Issuer Regulated by RBI
ICICI Bank logo
ICICI Bank

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.

Visa
Premium
57
Overall CardCheck ScoreFair

Premium Privileges Fit Score

74/100

Best for: Rewards

Joining Fee

₹3,000

Annual Fee

₹3,000

Reward Rate (%)

2

Forex Markup

3.5%

Community
(0)
Your Rating

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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 category
Premium Privileges
74/100
Online Shopping
72/100
Travel & Lounge
70/100
Dining & Food
70/100

Scoring 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

2x rewards on shopping, dining, and entertainment
Complimentary domestic airport lounge access (4/year)
Milestone bonus: 2,500 points on Rs. 3.5L spend
1% fuel surcharge waiver
Golf privileges: complimentary games
2x rewards on dining
2x rewards on entertainment
2 PAYBACK points per ₹100 on all other spends

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).

Joining fee₹3,000
Annual fee₹3,000
Fee waiver on annual spend₹5,00,000
Interest-free period50 days
Interest rate (APR)41.88%
Forex markup3.5%
Fuel surcharge waiverYes

ICICI Bank Rubyx Credit Card Lounge Access

Airport perks included with this card

1 per quarter

Domestic lounge visits

0 per year

International lounge visits

Card Features

Metal Card
Contactless
UPI Linked

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹5,00,000/yr
₹41,667/mo
Presets:
Annual Fee 100% Waived₹5,00,004 / ₹5,00,000

🎉 Annual renewal fee 100% waived! At ₹41,667/mo (₹5,00,004/yr), your ₹3,000 fee drops to ₹0.

Est. Base Rewards+₹10,000@2% base rate
Effective Fee₹0 (Waived)100% saved
Net Annual Value+₹10,000rewards vs fee
*Estimated using standard base rate (2%). Excludes monthly-capped accelerated partner multipliers.Detailed Rewards Calculator →

Tips & reviews

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

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ICICI Bank Rubyx Credit Card Eligibility

Min. income₹50,000/month
CIBIL score
750+

Quick Links

Data last updated 11 Sept 2026

All ICICI Bank credit cards →Best Reward CardsCards with Lounge AccessBest Travel CardsBest Fuel Cards
Free Rewards Math Simulator

Calculate your exact earnings with ICICI Bank Rubyx Credit Card

Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.

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