ICICI Bank Rubyx

ICICI Bank

ICICI Bank Rubyx is a travel-focused rewards credit card that delivers accelerated reward points on travel bookings, dining, and everyday spends. At an annual fee of ₹2,000 — reversed on spending ₹4 lakhs per year — the card targets frequent domestic and international travellers who want strong reward rates combined with airport lounge access on both routes. The card's 3X Reward Points on travel bookings (flights, hotels, holiday packages) is its primary differentiator, delivering 3% value back on travel spends. For someone who spends ₹2 lakhs per year on flights and hotels, this translates to ₹6,000 in reward points — 3x the annual fee in travel value alone. The accelerated dining reward of 2X (2% value back) further enhances the card's appeal for frequent diners and food delivery users. Eight complimentary domestic airport lounge visits per year (through the Visa Lounge Access program) and 4 international lounge visits per year provide meaningful travel benefits, especially for the frequent flyer who takes 2-3 domestic flights per quarter. The lounge visits can be shared with a companion in some airport lounge programs. The 1% fuel surcharge waiver at HPCL, BPCL, and IOCL fuel stations adds a modest everyday saving for commuters, while the Rubyx card's premium positioning is reinforced by its dedicated customer service helpline and priority service at ICICI Bank branches. The ₹4 lakhs annual spending threshold for annual fee reversal is approximately ₹33,333 per month — achievable for high-earning professionals who have significant travel, dining, and lifestyle expenses. Source: ICICI Bank official website, updated May 2026.