ICICI Bank Rubyx Credit Card

  • Joining Fee: Rs. 3,000 (plus applicable taxes)
  • Renewal Fee: Rs. 2,000 (plus applicable taxes)
  • Best Suited For: Travel
  • Reward Type: Reward Points
  • Welcome Benefites: Travel & shopping vouchers worth over Rs. 5,000
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The ICICI Bank Rubyx Credit Card is India’s first dual platinum credit card that aims to provide its customers with benefits across various categories. It comes in three variants: Visa, MasterCard, and American Express. However, only the ICICI Bank Rubyx Visa Credit card is being issued by the bank currently. The card comes with a joining fee of Rs. 3,000 and welcomes you with travel & shopping gift vouchers worth Rs. 5,000 or more. With this card, you earn ICICI Reward Points (which earlier used to offer Payback Points) on almost all your domestic as well as international spends and you can redeem these points easily against cash or gifts as per your choice. You can earn up to 4 Reward Points on every Rs. 100 you spend. Being one of the popular ICICI Credit Cards, it also provides you with exciting lifestyle benefits, including exclusive discount offers on dining, and a 25% discount on movie tickets on BookMyShow & Inox. You also get travel benefits, including railway & airport lounge access every quarter to make your travel experiences comfortable. The cardholders can save a lot with this card as along with all these benefits, you can also get your card’s renewal fee waived off based on your spends in an anniversary year. Read on for more details on ICICI Rubyx Credit Card.

New Features

Spend Based Waiver

Renewal Fee is waived off on spending Rs. 3 lakhs or more in an anniversary year.

Interest Rates

3.40% per month (or 40.8% annually)

Add-on Card Fee


Rewards Redemption Fee

Rs. 99 (plus applicable taxes) per redemption request

Fuel Surcharge

1% fuel surcharge is waived off for all fuel transactions up to Rs. 4,000 across all fuel stations in India.

Foreign Currency Markup

3.5% of the transaction amount

Cash Advance Charges

2.5% of the amount withdrawn or Rs. 300 (whichever is higher)

Movie & Dining

25% discount on movie ticket bookings (min 2 per transaction and max 2 tines in a month) on BookMyShow and INOX (max discount capped at Rs. 150), discount on dining bills with the Culinary Treats Program.


2 complimentary railway lounge access per quarter and 1 complimentary airport lounge access per quarter with each of the two variants (total 2 per quarter) on a minimum expenditure of Rs. 5,000 in the previous quarter

International Lounge Access


Rewards Rate

4 Reward Points on every international spend of Rs. 100, 2 Reward Points on domestic spends & 1 Reward Point on every Rs. 100 spent on utilities and insurance categories.


Up to 2 complimentary golf lessons/rounds each month (1 golf round/lesson for every Rs. 50,000 spent in the previous month)

Insurance Benefits

Complimentary insurance covers against air accidents, plane hijacking, lost baggage, delayed baggage, lost card, lost travel documents, credit shield, etc.

Reward Redemption

The reward points can be redeemed for gift vouchers or cashback at a rate of 1 Reward Point = Re. 0.25

Domestic Lounge Access

2 complimentary railway lounge access per quarter and 1 complimentary domestic airport lounge access per quarter with each of the two variants (total 2 domestic airport lounge access per quarter) on a minimum expenditure of Rs.5,000 in the previous quarter.

Zero Liability Protection

Cardmember shall not be liable for any fraudulent transactions done on the card once the loss of card is reported to the bank.


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