Joining Fee

₹3,000

Annual Fee

Rs. 2000 (Reversed on annual spends of Rs. 3 Lakhs)

Forex Markup

3.5% + GST

INTERNATIONAL

Late Payment Charges

Minimum ₹100 · Maximum ₹1,300

ICICI Bank

Lifestyle

Rewards

Travel

Best For: High-end lifestyle perks, Frequent travelers, Movie enthusiasts, Golf players

Rubyx

Rewards Structure

Base Reward Rate

% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹15,000 /annually

Pros

Welcome vouchers worth over ₹5,000
4x reward points on international spends
Complimentary golf rounds each month
Airport and railway lounge access
Air Accident Insurance up to ₹1 crore
Annual fee waiver on ₹3 lakh spend
24/7 concierge services

Cons

Joining fee of ₹3,000
High monthly income requirement
Lounge access requires ₹75,000 spend per quarter
No reward points on fuel transactions

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Airport lounge access requires ₹75,000 spend in previous calendar quarter

Air Accident Insurance only covers international travel with tickets purchased using the card

Golf benefit requires ₹50,000 retail spend in the previous calendar month

Milestone reward points capped at 15,000 per year

Lounge access benefit exclusive to primary cardholder only

Key Benefits & Features

Welcome vouchers worth over ₹5,000 from Tata CLiQ, EaseMyTrip, EazyDiner, Croma upon joining fee payment

Eligibility Criteria

Min. Annual Income

₹9.0 Lakhs

Age Requirement

21+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

Proof of identity

ADDRESS Proof

Proof of address

INCOME Proof

Income Proof

Notable Exclusions

No reward points on fuel transactionsReduced reward rate of 1 point per ₹100 on utility and insurance spends

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

About Rubyx

The ICICI Bank Rubyx Credit Card is designed for those who seek premium rewards, exclusive lifestyle privileges, and elevated everyday experiences. From the moment you join, the card welcomes you with vouchers worth over ₹5,000 from brands like Tata CLiQ, Tata Croma, EazyDiner, and EaseMyTrip, making its value felt right from the start. With a joining fee of ₹3,000 and an annual fee of ₹2,000 — waivable on spending over ₹3 lakh — the card offers compelling returns for active spenders. Travel and entertainment sit at the heart of the Rubyx experience. Cardholders enjoy quarterly domestic airport lounge access, complimentary railway lounge visits, and up to ₹1 crore in Air Accident Insurance coverage. Movie lovers benefit from 25% discounts on BookMyShow and INOX tickets twice a month, while golf enthusiasts can earn up to two complimentary rounds of golf monthly based on eligible spends. Beyond travel and leisure, the card rewards everyday spending with points earned at varying rates across international, domestic, and utility transactions, redeemable across categories like travel, electronics, and fashion. A 24/7 concierge service handles everything from restaurant reservations to emergency assistance, rounding out a card built for high-end lifestyle seekers who want consistent rewards and comprehensive benefits in one package.

Expert Review