ICICI Bank Rubyx credit card review: fees, rewards and eligibility
The ICICI Bank Rubyx has a recorded annual fee of ₹2,000 plus GST and a base earn of 2 ICICI Bank Reward Points per ₹100 on eligible domestic retail spend. CardMasters checked its issuer terms on 2026-08-01. Affiliate commission never changes ranking; confirm final terms and approval with ICICI Bank.
ICICI Bank Rubyx: short answer
The ICICI Bank Rubyx is in the mid tier of ICICI Bank credit cards, with a joining fee of ₹3,000, an annual fee of ₹2,000 plus GST (waived on ₹3,00,000 of eligible annual spend), a base earn of 2 ICICI Bank Reward Points per ₹100 on eligible domestic retail spend and a 3.5% forex markup. Rewards are not earned on fuel, rent, wallet load, cash advance, fees. It suits mid spender, movies, dual card spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-08-01. Confirm final terms with the issuer.
Reward structure
2 ICICI Bank Reward Points per ₹100 on eligible domestic retail spend
- 4 points per ₹100 on international spends
- 1 points per ₹100 on utility, insurance and government payments — Government transactions are treated as utility payments under current ICICI terms.
Eligibility and important limits
minimum age 21, published monthly income floor ₹75,000 ICICI publishes Indian citizenship, age over 21, ₹75,000 monthly salary or ₹9 lakh annual self-employed income. No numeric bureau-score cutoff is published. Approval remains solely at the issuer’s discretion.
Does not earn: fuel, rent, wallet load, cash advance, fees.
Important limit: Rent and e-wallet loads do not earn points. Fuel, cash withdrawals, fees and EMI transactions are also excluded under current ICICI terms.
Frequently asked questions
What is the annual fee for the ICICI Bank Rubyx?
The published annual fee in our current record is ₹2,000 plus applicable GST. It can be waived after ₹3,00,000 of eligible annual spend, subject to issuer terms.
How do rewards work on the ICICI Bank Rubyx?
2 ICICI Bank Reward Points per ₹100 on eligible domestic retail spend. Accelerated routes include 4 points per ₹100 on international spends; 1 points per ₹100 on utility, insurance and government payments. Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the ICICI Bank Rubyx?
The current issuer-sourced exclusions recorded by CardMasters include fuel, rent, wallet load, cash advance, fees. Merchant category coding and issuer terms determine final eligibility.
Who should consider the ICICI Bank Rubyx?
It is most relevant for people focused on mid spender, movies, dual card. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the ICICI Bank Rubyx worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹2,000 plus GST each year. The fee is waived at ₹3,00,000 of eligible annual spend, so check whether you reach that without forcing spend. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the ICICI Bank Rubyx?
The published minimum age is 21. The published monthly income floor is ₹75,000. ICICI publishes Indian citizenship, age over 21, ₹75,000 monthly salary or ₹9 lakh annual self-employed income. No numeric bureau-score cutoff is published. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the ICICI Bank Rubyx?
The recorded foreign-currency markup is 3.5% before GST. On ₹1,00,000 of international spend that is about ₹3,500 in markup, so compare it against any rewards earned on overseas transactions.
Does the ICICI Bank Rubyx offer airport lounge access?
Domestic lounge access: 2/quarter (₹75,000 spend in previous quarter). International lounge access: none. Spend conditions and guest charges are set by the issuer and can change.