ICICI Bank Rubyx Credit Card
Fees
₹3,000 + Taxes
Joining & annual
Reward 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
2 Domestic/Qtr (₹75K Spend) + 1 Railway/Qtr
Our 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
Key Perks & Spending Milestones
2 Reward Points per ₹100 on domestic spends (fuel excluded), 4 points per ₹100 on international spends
2 complimentary domestic lounge visits per quarter plus 1 railway lounge visit per quarter, conditional on ₹75,000 spend in the preceding quarter
1 complimentary golf round per ₹50,000 monthly spend, capped at 2 rounds/month
Dual card: linked Mastercard/Amex or Visa/RuPay pair on one account
Transportation spends (rail, bus, metro) earn rewards only up to ₹20,000/month, revised 2026
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Spend milestone
Annual fee waived on ₹3 Lakh annual retail spends
Fees & Charges
Joining fee
₹3,000 + Taxes
Annual fee
₹3,000 + Taxes
Annual fee waived on ₹3 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹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
Credit score & income
Good (730+)
Frequently Asked Questions
What's the reward rate on ICICI Rubyx?
How many lounge visits does Rubyx offer?
Did Rubyx's rewards change in 2026?
What's distinctive about Rubyx's card format?
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 |