Visa, Mastercard, RuPay 📡 Contactless NFC

ICICI Bank Rubyx Credit Card

Joining Fee₹3,000

Annual Fee₹2,000

Forex Markup 3.5%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

Mid-tier spenders seeking ₹5,000+ in welcome vouchers, 8 domestic airport + 4 railway lounge visits, movie ticket savings, and RuPay UPI functionality.

Who Should Avoid

Users seeking international airport lounge visits or air mile conversion partners.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Welcome shopping & travel voucher bundle worth ₹5,000+ (Tata CLiQ, Croma, EaseMyTrip, EazyDiner) upon payment of joining fee

Welcome Vouchers Worth ₹5,000+

Multi-brand shopping and travel welcome vouchers worth ₹5,000+ from Tata CLiQ, EaseMyTrip, Croma, and EazyDiner.

Domestic Airport & Railway Lounge Access

2 complimentary domestic airport lounge visits per calendar quarter (on min ₹5,000 spend in preceding quarter) + 1 railway lounge visit per quarter.

25% Off on Movie Tickets

25% discount on movie tickets on BookMyShow and INOX (up to ₹150 off per ticket twice a month).

💰 Reward Structure & Point Valuation

1 ICICI Reward Points = ₹0.25

Standard Base Earning

2 ICICI Reward Points per ₹100 spent on regular domestic retail (0.50% return; 1 RP = ₹0.25); 1 RP per ₹100 on utilities & insurance

Accelerated / Partner Rate

4 ICICI Reward Points per ₹100 (1.0% return) on international spends; 25% discount on BookMyShow & INOX (up to ₹150 off per ticket, max 2 tickets/month); 1 complimentary golf round for every ₹50k monthly spend

Points Validity:36 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: ICICI Rewards Portal (Brand Vouchers, Products, Electronics at 1 RP = ₹0.25), Direct Statement Cash Adjustment (1 RP = ₹0.25)

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits2 complimentary domestic airport lounge visits per calendar quarter (8 visits/year) + 1 railway lounge visit per quarter

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: Requires minimum retail spend of ₹5,000 in the previous calendar quarter

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹300,000/yr

Annual renewal fee of ₹2,000 is waived off on spending ₹3,00,000 or more in the previous anniversary year

UPI Payments Support✓ Supported (RuPay)

2 ICICI Reward Points per ₹100 on eligible RuPay merchant UPI transactions

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions up to ₹4,000 at HPCL petrol pumps (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹75,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% to 3.85% per month (42.0% to 46.20% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the ICICI Bank Rubyx Credit Card

Annual Fee: ₹2,000/yr (Waivable)

Personalized Card Matcher

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Frequently Asked Questions

No, ICICI Bank Rubyx Credit Card has a joining fee of ₹3000 and an annual renewal fee of ₹2000 (plus applicable taxes).