ICICI Bank Rubyx Credit Card
Fees
₹3,000 + Taxes
Joining & AnnualReward Rate
2 Reward Points per ₹100 on domestic spends (except fuel); 4 points per ₹100 on international spends
Welcome Bonus
Up to 15,000 Reward Points achievable annually via spend milestones
Lounge Access
2 Domestic/Qtr (₹75K Spend) + 1 Railway/Qtr
FindMyCard Expert Take
The ICICI Bank Rubyx Credit Card from ICICI Bank offers Dual Card Benefits & Golf Rounds with an annual fee of ₹3,000 + Taxes.
Pros & Cons
Key Advantages
- Dual card: linked Mastercard/Amex or Visa/RuPay pair on one account
- 1 golf round per ₹50,000 monthly spend, up to 2 rounds/month
- 2 domestic lounge visits/quarter plus 1 railway lounge visit/quarter
- Fee waiver threshold (Annual fee waived on ₹3 Lakh annual retail spends)
Limitations
- Lounge access requires ₹75,000 spend in the preceding quarter
- Fuel spends are excluded from reward point earning
- Golf capped at 2 rounds/month even on higher spends
Editorial Verdict
The ICICI Bank Rubyx Credit Card is ideally suited for dual card benefits & golf rounds. If you want 2 reward points per ₹100 on domestic spends (except fuel); 4 points per ₹100 on international spends, this card delivers real value. The ₹3,000 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (730+) credit to be approved.
Key Perks & Spending Milestones
Accelerated earn rate on premium purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
🚀 Milestone Spends Timeline
Annual fee waived on ₹3 Lakh annual retail spends
Fees & Charging Rates
Annual Fee Waivers
₹3,000 + Taxes
💡 Annual fee waived on ₹3 Lakh annual retail spends
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Compare ICICI Bank Rubyx Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| ICICI Bank Rubyx Credit Card This Card | ₹3,000 + Taxes | 2 Reward Points per ₹100 on domestic spends (except fuel); 4... | 2 Domestic/Qtr (₹75K Spend) + 1 Railway/Qtr | 4.4/5 |
| Axis Bank Reserve Credit Card | ₹50,000 + Taxes | 15 EDGE points per ₹200 domestic spend; 30 EDGE points per ₹200... | Unlimited + 12 Guest Visits/yr | 4.9/5 |
| IDFC FIRST Diamond Reserve Credit Card | ₹3,000 + Taxes | Up to 60 points per ₹150 on hotel bookings (10% value-back) and 40... | 8 Domestic + 8 International/yr (₹20K Spend) | 4.9/5 |
| SBI Aurum Card | ₹9,999 + Taxes | 4 Reward Points per ₹100 on all spends (1% base); up to 3.7%... | 4 Domestic/Qtr + Unlimited International | 4.8/5 |