ICICI Bank Rubyx Credit Card
A points card (₹3,000 to join, ₹2,000 a year, waived above ₹3 lakh of spend): 4 points per ₹100 on international spends, 2 on domestic spends and 1 on utilities and insurance, with lounge, golf and movie offers; fuel earns no points. Every figure below is copied from ICICI Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹3,000 plus GST Product page |
|---|---|
| Annual fee | ₹2,000 plus GST Product page |
| Annual fee waiver | On ₹3,00,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Product page |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| International spends | 4 points per ₹100 Product page | no cap on record |
| Utilities and insurance (government payments count as utilities) | 1 point per ₹100 Product page | no cap on record |
| Other domestic spends (UPI on the RuPay variant earns points) | 2 points per ₹100 Product page | no cap on record |
ICICI Bank publishes no rupee value for these points; redemption is through the ICICI Bank Rewards catalogue, with a ₹99 + GST handling fee per request.
No rewards on
- Fuel Product page
- Rent and wallet loads (from 5 Feb 2024) Terms
Benefits
- Lounges: 2 domestic airport lounge visits a quarter after ₹75,000 of spend in the previous quarter (primary cardholder), plus 8 railway lounge visits a year — ₹75,000 of spend in the preceding quarter for airport visits Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹4,000 at all pumps (no cap stated) Product page
- Welcome: Welcome vouchers worth over ₹15,000 (Tata CLiQ, Croma, EazyDiner, EaseMyTrip, Avis, Elivaas) after the joining fee is paid Product page
- Milestone: 3,000 bonus points at ₹3 lakh of spend in a year, then 1,500 for each further ₹1 lakh, up to 15,000 points Product page
Also on this card
Quoted from ICICI Bank; not counted in the net value.
- 25% off up to ₹150 on BookMyShow movie tickets twice a month after ₹25,000 of spend in the previous quarter Product page
- 25% off up to ₹150 on INOX movie tickets twice a month Product page
- Up to 2 golf rounds or lessons a month: one for each ₹50,000 spent in the previous month Product page
- 8 complimentary railway lounge visits a year Product page
- Air accident insurance of ₹1 crore for the primary cardholder Product page
- ₹2 lakh personal accident cover on the RuPay variant Product page
- 24/7 concierge service Product page
Eligibility
- Age 21 or above Product page
- Age 65 or below Product page
- Indian citizen Product page
- Salaried or self-employed Product page
- Salaried: monthly income of ₹75,000 Product page
- Self-employed: annual income of ₹9 lakh Product page
Not published by ICICI Bank in the documents read
- the rupee value of a reward point (ICICI Bank says points have a redemption value set by the Bank)
- a monthly cap on the fuel surcharge waiver
Where ICICI Bank’s documents differ, and what is used
- Welcome vouchers: the benefit panel says worth over ₹15,000 and the FAQ lists vouchers adding up to more than that (₹2,000 Tata CLiQ, ₹2,000 + ₹3,000 EaseMyTrip, ₹1,000 Croma, ₹10,000 Elivaas), but one FAQ answer still says worth over ₹5,000; ₹15,000 is used.
The quotes behind the figures
35 figures, each copied from an official ICICI Bank document.
Show every quote and source
“Joining fee- ₹3,000 + GST”
“Annual fee- ₹2,000 + GST (Spend over ₹3 lakh and get annual fee waived off for the next year)”
“If you spend over ₹3 lakh, you can get your annual fee waived off for the next year.”
“Forex Markup 3.5%”
“Earn Points on every ₹100 spend 4 On International Spend 2 On Domestic Spend 1 On Utility and Insurance Spend”
“Starting 05 February 2024, the government transactions will be included under utility payment transactions.”
“Reward points on UPI and card transactions”
“Do I get reward points on Fuel transactions? No, you do not get reward points on Fuel transactions.”
“From 05 February 2024, rent pay and e-wallet loading transactions will not accrue any reward points.”
“High-End Lifestyle Perks Rubyx Credit Card Apply Now”
“Yes. The Rubyx Credit Card has a joining fee of ₹3,000 + GST and annual fee of ₹2,000 + GST.”
“No. Reward points are not equivalent to currency and have a redemption value determined by the Bank.”
“ICICI Bank Rupay Credit Card: Fees & Charges Joining Fee ₹500 + GST for Coral Credit Card ₹500 + GST for HPCL Super Saver Credit Card ₹3,000 + GST for Rubyx Credit Card”
“Easily link your RuPay Credit Card for UPI transactions”
“Upon payment of the joining fee, Credit Cardholders will receive welcome vouchers worth over ₹5,000 on their registered e-mail ID within 45 days.”
“If only minimum due is paid Pay 3.75% interest per month”
“For late bill payment Ranging from ₹100 to ₹1,300”
“Yes. A Redemption Handling Fee of ₹99 plus applicable GST is charged for every redemption request.”
“Get 2 Domestic Airport Lounge access for primary cardholders on eligible spends of ₹75,000 or more in the preceding spends quarter.”
“Get 1% waiver on fuel transactions worth ₹400–₹4,000 at all fuel pumps”
“Vouchers worth over ₹15,000 Welcome Vouchers from Tata CLiQ, Tata Croma, EazyDiner, EaseMyTrip, Avis and Elivaas.”
“Get 3,000 Reward Points on ₹ 3 lakh spend & 1,500 for every additional ₹ 1 lakh spend (up to 15,000 reward points per year)”
“Get 25% off up to ₹150 on movie tickets on BookMyShow twice a month, on eligible spends of ₹25,000 or more in the preceding spends quarter”
“Get 25% off up to ₹150 on movie tickets at INOX, twice a month”
“Up to 2 complimentary Golf rounds/lessons per month for primary cardholders. Earn 1 round for eligible spend of ₹50,000 in the preceding calendar month.”
“Get 8 Complimentary Railway Lounge access.”
“The primary Cardholder is entitled to Air Accident Insurance coverage of ₹1 crore.”
“₹2 lakh Insurance Get a Personal Accident Insurance Cover (Rupay Variant)”
“Get round-the-clock concierge assistance by calling the toll-free number 18002670731”
“An Indian citizen over 21 years of age”
“You must be between the age of 21 and 65 years to be eligible to apply for the Rubyx Credit Card.”
“Self-employed individual with an annual income of ₹9,00,000”
“A salaried individual with a monthly income of ₹75,000”
“APPLY NOW Rubyx Credit Card: Fee and Charges”
“For the customers with dual Credit Card variants(Mastercard & Amex | Visa & RuPay) , the entitlement includes 1 domestic lounge visits per quarter for each variant.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with ICICI Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is ICICI Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology