ICICI Bank
ICICI Bank Rubyx Credit Card
Best for rewards
₹3,000/yr annual fee · 4x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹3,000/yr
Reward rate
4x
Min. income
Not published
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
CIBIL 750+
Reward cap
Not explicitly stated
Welcome benefit
3,000 Reward Points on ₹3,00,000 annual spend + 1,500 Reward Points for every additional ₹1,00,000 spend (up to 15,000…
Who is this for
- Rewards optimiser
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Watch out for
- ₹3,000 non-waiver joining fee
- ₹1,000 late-payment fee
- 2.5% cash-advance fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹3,000 | Not waivable |
| Annual fee | ₹2,000 | Spend ₹3,00,000 or more in the previous year to waive annual fee |
| Renewal fee | ₹3,000 | Waived on annual spends ≥ ₹3,00,000 |
| Forex markup | Not published | Not waivable |
| Late payment | ₹1,000 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹400 and ₹10,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 4 Reward Points per ₹100 on international spend; 2 Reward Points per ₹100 on domestic retail spend; 1 Reward Point pe… | Not explicitly stated | Redeemable via rewards portal across categories (Health & Beauty, Travel, Shopping Vouchers, Home Appliances, Electronics, Fashion) |
| DINING | 2.00 | — | 0.50 |
| SHOPPING | 2.00 | — | 0.50 |
Benefits
-
Domestic lounge access
2 complimentary domestic airport lounge visits per quarter
-
International lounge access Highlight
None (domestic only)
-
Milestone benefits Highlight
3,000 Reward Points on ₹3,00,000 annual spend + 1,500 Reward Points for every additional ₹1,00,000 spend (up to 15,000 reward points per anniversary year)
-
Fuel surcharge waiver
1% waiver on fuel transactions worth ₹400 – ₹4,000 at all fuel pumps
Eligibility
- Age
- 21–60 years
- Min. credit score
- 750+
- Score note
- Good credit score
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
ICICI Bank Rubyx Credit Card is a VISA credit card from ICICI Bank. It is best suited for rewards.
Fees and rewards
- Annual fee: ₹3000
- Joining fee: ₹3000
- Rewards: 2 reward points per ₹100
Eligibility
PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Step-by-step application guide: Read the ICICI Bank Rubyx Credit Card apply walkthrough →
Apply for ICICI Bank Rubyx Credit Card
Last reviewed · How we review
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