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ICICI Bank · Visa / Mastercard / Amex / RuPay · हिन्दी

ICICI Bank Rubyx Credit Card: full review

The ICICI Rubyx is a lifestyle card that provides good value through its welcome vouchers, dining discounts and movie benefits. However, its 0.5% base reward rate is low for a ₹3,000 fee card. It depends heavily on spend-based perks rather than rewards accumulation.

Apply now ↗Annual fee: ₹3,000 + taxes
Last updated: August 2026 · Current terms verified
ICICI BANK
VISA
)))
RUBYX
ASHOK KUMAR
12/28
₹3,000 + taxes (waived on ₹3,00,000/year spend)Annual fee
2 reward points per ₹100 on domestic retail (0.5%); 4 RP per ₹100 on international spends (1%)Reward structure
2 domestic visits/quarter (on ₹75,000/quarter spend from April 2026)Lounge access

Key benefits of the ICICI Bank Rubyx Credit Card

2 reward points per ₹100 on domestic retail (1 RP = ₹0.25, effective 0.5%)4 reward points per ₹100 on international spends (1% effective)₹5,000+ welcome vouchers from Tata CLiQ, Croma, EaseMyTrip, EazyDiner on joining25% off on movie tickets via BookMyShow/INOX (on ₹25,000/quarter spend from April 2026)2 domestic lounge visits per quarter (on ₹75,000/quarter spend)15% off at 2,500+ restaurants via ICICI Culinary TreatsMilestone: 3,000 RP on ₹3L spend + 1,500 RP for every additional ₹1L (up to 15,000/year)
Apply now ↗ Min. income: ₹75,000/month (salaried) · Credit score: 750+
Pros and cons
Pros
✓ Strong ₹5,000 welcome vouchers offset joining fee
✓ Movie discount is practical for regular movie-goers
✓ 4X international earn rate is decent for foreign spends
✓ Available in 4 network variants including Amex
Cons
✗ Very low 0.5% base reward rate on domestic spends
✗ Lounge and movie benefits now require quarterly spend thresholds
✗ Poor forex markup of 3.5%, weak for actual international travel
✗ Milestone rewards require significant spend to unlock
Quick facts
Issuer ICICI Bank
Network Visa / Mastercard / Amex / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹3,000 + taxes (waived on ₹3,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹3,000
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 2 domestic visits/quarter (on ₹75,000/quarter spend from April 2026)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹75,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+
SourceICICI Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for ICICI Bank Rubyx Credit Card is ₹3,000 + taxes (waived on ₹3,00,000/year spend). The joining fee is ₹3,000.
The main benefits of the ICICI Bank Rubyx Credit Card are: 2 reward points per ₹100 on domestic retail (1 RP = ₹0.25, effective 0.5%); 4 reward points per ₹100 on international spends (1% effective); ₹5,000+ welcome vouchers from Tata CLiQ, Croma, EaseMyTrip, EazyDiner on joining; 25% off on movie tickets via BookMyShow/INOX (on ₹25,000/quarter spend from April 2026); 2 domestic lounge visits per quarter (on ₹75,000/quarter spend); 15% off at 2,500+ restaurants via ICICI Culinary Treats; Milestone: 3,000 RP on ₹3L spend + 1,500 RP for every additional ₹1L (up to 15,000/year).
2 reward points per ₹100 on domestic retail (0.5%); 4 RP per ₹100 on international spends (1%)
ICICI Bank Rubyx Credit Card is best for Premium lifestyle card with dining, movies and domestic travel perks. The ICICI Rubyx is a lifestyle card that provides good value through its welcome vouchers, dining discounts and movie benefits. However, its 0.5% base reward rate is low for a ₹3,000 fee card. It depends heavily on spend-based perks rather than rewards accumulation.
The minimum income requirement for ICICI Bank Rubyx Credit Card is ₹75,000/month (salaried). A minimum credit score of 750+ is also recommended.
Yes, ICICI Bank Rubyx Credit Card offers 2 domestic visits/quarter (on ₹75,000/quarter spend from April 2026).
ICICI Bank Rubyx Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
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Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
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ICICI Bank Rubyx₹3,000 + taxes
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