ICICI Bank Rubyx Credit Card

Overview

Updated On: August 24, 2026 | AB Published by: Amit B | 2 min read

ICICI Bank's Rubyx Credit Card is mid-tier credit card from ICICI Bank. This card offers popular lifestyle benefits such as discounts on movie tickets, airport lounge access and golf games. However, it requires its customers to spend a minimum amount to get free lounge access and golf games. The reward rate it offers on spend made using this card, is also very low.Considering the low reward rates and minimum spend condition on lifestyle benefits, the card does not justify its fee.

Pros

Decent discount on movie tickets (25% upto Rs.250)
Complimentary railway lounge access without any spend condition
Eligible for instant discount offers of ICICI Bank which are very frequent
iShop Portal can fetch you 3% valueback on some very useful vouchers like Amazon Pay. Amazon Pay vouchers can be used to make payment on hundreds of third party sites, utility bill payment and Amazon shopping.

Cons

Extremely low reward rate considering the high fee
A Reward Redemption Fee of Rs.117 (including GST) is applied when you redeem reward points. Its extremely regressive practice specially on such high fee credit card.
No benefit against renewal fees
Free Airport lounge access requires a minimum spend in premium quarter.
Golf benefit requires minimum spend in previous month.

Fees & Charges

Joining / Annual Fee ₹ 3,540

Renewal Fee ₹ 2,360

Annual Spend Target for Fee Waiver ₹ 300,000

Minimum Annual Income Required ₹ 600,000

Rewards and Benefits

Reward Rate

Base Reward Rate: 0.5% ; International Spend: 1% (4.13% Forex Mark-up applicable), Flights and Brand Vouchers through iShop: 3%, Hotels through iShop: 6%; Reduced Reward Rate on Utilities and Insurance Payments: 0.25%,

Base Reward Rate

0.5%

Accelerated Reward Rate

6%

Welcome Benefits

Rs 5000+ worth Gift Vouchers – Tata CLiQ (Rs 2000), Ease my Trip (Rs 1000 X 2), Uber (Rs 250), Central (Rs 500 X 2), Croma (Rs 1000)

Renewal Benefits

No Renewal Benefits

Rewards & Cashback Details

Regular Reward Rate: 2 Reward Points on every Spend of Rs.100 (=0.5% valueback)
Accelerated Reward Rate: On spend on iShop portal of ICICI Bank
- Hotel Booking: 24 Reward Points on every Spend of Rs.100 (=6% valueback)
- Flight and Bus Tickets : 12 Reward Points on every Spend of Rs.100 (=3% valueback)
- Brand Vouchers (including popular brands like Amazon, Flipkart Myntra, Swiggy, Zomato etc.): 12 Reward Points on every Spend of Rs.100 (=3% valueback)
International Spend: 4 Reward Points on Every Rs.100 Spend on International Merchants (=1% valueback). However, a Forex mark-up Fee of 4.13% applicable. So, there is still a net charge of 3.13% on international transactions.
Reduced Reward Rate: 1 Reward Points of every Rs.100 Spend on Utilities, Insurances and Government related spend (=0.25% Valueback)
Milestone Bonus: 3,000 Reward Points on spending Rs. 3 lakhs and 1,500 Reward Points for every subsequent spends of Rs. 1 lakh in an anniversary year. A maximum of 15,000 additional Reward Points can be earned in a year as a Milestone benefit.

Rewards Redemption

Reward points can be redeemed to get Products from ICICI Rewards Catalogue at 1 Reward Point = Rs.0.25

Reward Redemption Fee: For every reward redemption, there is a fee of Rs.117 including GST.

Additional Benefits

Domestic Airport Lounge

Railway Lounge Access

Movie Benefits

Golf Benefits

International Airport Lounge

Dining Benefits

Lifestyle Benefits Details

Movie and Event Tickets: 25% discount up to Rs 150 on purchase of minimum 2 movie tickets per transaction on BookMyShow and Inox.
Airport Lounge Access: 8 Domestic Airport Lounge Access for Primary card holder (2 per quarter). Customers who are holding both Amex and Master Card variants of Rubyx Cards, will get 1 Lounge Access per card per quarter. Free Airport lounge access only available on spending minimum Rs.75,000 in previous calendar quarter.
Railway Lounge Access: 4 Railway Lounge per year (1 per quarter)
Golf: Complimentary round/lesson of golf on every Rs.50,000 spent on the card in the previous calendar month, up to a maximum of 2 rounds/ lessons of golf every month, at popular Golf Courses in India and Abroad

Features & Benefits

Reward Points

Airport Lounge

Utility Bills

Insurance

NPS

Education

Government Payment

Rent

Gift Cards

Jewellery

Wallet Load

Rewards on EMI

Cashback

Airmiles

Fuel

No Cashback / Rewards Categories

No reward points on following spend categories

Fuel

Limited reward points on following spend categories

1 Reward Points on Every Rs.100 Spend on Fuel and Utilities which is o.25% reward rate

Ratings & Reviews

2.6

Overall Rating

Reward Rate

2/5

Lifestyle Benefits

3/5

Ease of Reward Redemption

3/5

Value For Money

1/5

Customer Service

4/5

Detailed Review

ICICI Bank's Rubyx Credit Card is a low-end premium credit card with lifestyle benefits. However, the popular lifestyle benefits such as airport lounge access and golf games require a minimum spend using the credit card which makes them less useful. It offers descent discount on movie tickets but a very low reward rate of regular spend.

Overall, very low reward rate and conditional lifestyle benefits do not justify its fee.

Eligibility & Important Info

Eligibility Criteria

Age: 21 years or more
Income:
- Salaries Customer: Rs.50,000 net in-hand monthly salary
- Self-Employed: Rs.5.5 Lacs per annum (as per Income Tax Return)

Important Links

ICICI Bank's iShop Portal to get Accelerated Reward Points: icicibank.com/ishoplogin
Domestic Airport Lounges List (accessible by simply swiping this credit card): Click here
Railway Lounges List: Click here
Golf Program (To book golf games as benefit of this credit card): Click here
Master Card Priceless Special Portal to access special offers for Master Card variant of this credit card: Click here
American Express Experiences Portal to access special offers for American Express variant of this credit card: Click here