ICICI Bank Rubyx Credit Card

82/100

ICICI Bank

A mid premium lifestyle card with welcome vouchers, golf and lounge access for regular ICICI spenders.

Credwiser Score 82/100

ICICI Bank Rubyx Credit Card

Name: ICICI Bank Rubyx Credit Card
Brand: ICICI Bank

ICICI Bank • A mid premium lifestyle card with welcome vouchers, golf and lounge access for regular ICICI spenders.

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Rubyx sits above Coral in ICICI Bank's Gemstone range, with a ₹2,000 annual fee, welcome vouchers worth over ₹5,000 and benefits across movies, golf and travel. It works best for users who can cross the ₹3,00,000 waiver spend and the quarterly lounge spend criteria.

Annual Fee (+ 18% GST)₹2,000 (₹2,360 incl. GST)

Fee WaiverSpend over ₹3,00,000 in the previous year to get the annual fee waived for the next year

Joining PerkWelcome vouchers worth over ₹5,000 on payment of the joining fee, including Tata CLiQ, EaseMyTrip and Croma vouchers as listed on the official product page

Primary RewardUp to 4 Reward Points per ₹100 on international spends and 2 Reward Points per ₹100 on domestic spends except fuel, with 1 point per ₹100 on utilities and insurance

Airport Lounge Access1 Domestic Lounge visit per quarter per variant on spending ₹75,000 or more in the preceding quarter for the primary cardholder, plus 2 railway lounge visits per quarter

Forex Markup3.5% + 18% GST

RuPay UPIYes — RuPay UPI enabled

Best ForICICI customers who want lifestyle vouchers, golf, movies and lounge access at a mid level fee

What We Like

Welcome vouchers worth over ₹5,000 against a ₹3,000 joining fee
Airport and railway lounge access, plus golf rounds linked to monthly spends
RuPay variant can be linked to UPI for merchant payments

Watch Out

Airport lounge access needs ₹75,000 of spends in a quarter
Base reward value is low compared with cashback cards
Forex markup of 3.5% plus GST is not travel friendly

MITC & Hidden Charges

Annual fee ₹2,000 plus GST. 18% GST applies to annual fee (Total ₹2,360). Other charges as per the issuer's MITC.

ICICI Bank Rubyx Credit Card FAQs

What is the annual fee of the ICICI Bank Rubyx Credit Card?

The joining fee is ₹3,000 plus GST and the annual fee is ₹2,000 plus GST. The annual fee is waived if you spend over ₹3,00,000 in the previous year.

How do I get airport lounge access on the Rubyx Credit Card?

Spend ₹75,000 or more in a preceding quarter to unlock domestic airport lounge access in the following quarter. The official page lists 1 visit per quarter per variant for the primary cardholder.