ICICI Bank Rubyx Credit Card
ICICI Bank · Visa + RuPay · Premium card
Adds a recognised mid-premium ICICI option with movies, lounges and a fee waiver.
ICICI customers spending enough to unlock quarterly movie and lounge privileges.
Terms checked 23 Sept 2026
- Annual fee
- ₹2,000 + GST
- Joining fee
- ₹3,000 + GST
- Base reward rate
- 0.5%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| International spending | 1% |
| Online shopping | 0.5% |
| Groceries & essentials | 0.5% |
| Dining & delivery | 0.5% |
| Travel & hotels | 0.5% |
| Beauty & wellness | 0.5% |
| Entertainment & movies | 0.5% |
| Education & family | 0.5% |
| Healthcare & pharmacy | 0.5% |
| Subscriptions & streaming | 0.5% |
| Offline store shopping | 0.5% |
| Gold & jewellery | 0.5% |
| Other miscellaneous | 0.5% |
| Bills & utilities | 0.3% |
| Insurance premiums | 0.3% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹3,00,000 annual spending
- Monthly income requirement
- Approx. ₹75,000/month salaried · ₹75,000/month self-employed
Airport lounge access
16 domestic airport lounge visits per year
4 domestic airport lounge visits per quarter · Issuer card
Guest access: Not available
Requires ₹75,000 per Calendar quarter for the following calendar quarter
The issuer FAQ states two visits per quarter on each card in the dual-card package.
Spend condition: Spend ₹75,000 in the preceding calendar quarter.
Movies and entertainment
BookMyShow · 25% discount · up to ₹150 · 2 uses/month
Requires ₹25,000 per Calendar quarter for the following calendar quarter.
Availability: Shared across eligible BookMyShow and INOX bookings from April 1, 2026..
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 5 items
International rewards
Usage-based valueFour reward points per ₹100 on eligible international purchases.
Utility and insurance rewards
Usage-based valueOne reward point per ₹100 on eligible utility and insurance payments.
Domestic rewards
Usage-based valueTwo reward points per ₹100 on eligible domestic purchases.
Four points per ₹100 internationally, two domestically and one on utilities and insurance
Shown without a cash value3,000 points at ₹3 lakh plus 1,500 per additional ₹1 lakh, up to 15,000 yearly
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹2,000₹2,000 annual fee before applicable tax.
Joining fee
Cost ₹3,000₹3,000 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹2,000Annual fee may be waived after ₹3,00,000 of eligible annual spending.
Conditions: Reach ₹3,00,000 eligible annual spending
Welcome benefits · 7 items
₹2,000 Tata CLiQ voucher
Recorded value ₹2,000Fixed-face-value welcome voucher.
Conditions: Pay the joining fee · Issuer fulfilment and voucher-validity terms apply
₹2,000 EaseMyTrip flight vouchers
Recorded value ₹2,000Two ₹1,000 domestic-flight vouchers.
Conditions: Pay the joining fee · Booking and voucher-validity terms apply
₹1,000 Croma vouchers
Recorded value ₹1,000Two ₹500 welcome vouchers.
Conditions: Pay the joining fee · Voucher-validity terms apply
₹3,000 EaseMyTrip holiday voucher
Recorded value ₹3,000Holiday-package welcome voucher.
Conditions: Pay the joining fee · Minimum booking, partner and validity terms apply
₹10,000 Elivaas voucher
Recorded value ₹10,000Elivaas welcome voucher with partner redemption restrictions.
Conditions: Pay the joining fee · Property, booking and validity terms apply
EazyDiner Prime and Avis benefits
Shown without a cash valueThree-month EazyDiner Prime membership and up to 35% Avis discount; no guaranteed cash value is assigned.
Conditions: Pay the joining fee · Partner activation, booking and validity terms apply
Three months of EazyDiner Prime and up to 35% Avis discount in the welcome package
Shown without a cash value
Spend milestones · 9 items
3,000 points at ₹3 lakh anniversary spend
3,000 reward unitsUnlocked after ₹3,00,000 of eligible spending.
Conditions: Reach ₹3,00,000 per card anniversary year
Additional 1,500 points at ₹4 lakh
1,500 reward unitsUnlocked after ₹4,00,000 of eligible spending.
Conditions: Reach ₹4,00,000 per card anniversary year
Additional 1,500 points at ₹5 lakh
1,500 reward unitsUnlocked after ₹5,00,000 of eligible spending.
Conditions: Reach ₹5,00,000 per card anniversary year
Additional 1,500 points at ₹6 lakh
1,500 reward unitsUnlocked after ₹6,00,000 of eligible spending.
Conditions: Reach ₹6,00,000 per card anniversary year
Additional 1,500 points at ₹7 lakh
1,500 reward unitsUnlocked after ₹7,00,000 of eligible spending.
Conditions: Reach ₹7,00,000 per card anniversary year
Additional 1,500 points at ₹8 lakh
1,500 reward unitsUnlocked after ₹8,00,000 of eligible spending.
Conditions: Reach ₹8,00,000 per card anniversary year
Additional 1,500 points at ₹9 lakh
1,500 reward unitsUnlocked after ₹9,00,000 of eligible spending.
Conditions: Reach ₹9,00,000 per card anniversary year
Additional 1,500 points at ₹10 lakh
1,500 reward unitsUnlocked after ₹10,00,000 of eligible spending.
Conditions: Reach ₹10,00,000 per card anniversary year
Additional 1,500 points at ₹11 lakh
1,500 reward unitsUnlocked after ₹11,00,000 of eligible spending.
Conditions: Reach ₹11,00,000 per card anniversary year
Airport lounge access · 2 items
Domestic lounge access
Usage-based value4 visits per quarter through Issuer card. Guest access: not available. The issuer FAQ states two visits per quarter on each card in the dual-card package.
Conditions: Spend ₹75,000 per calendar quarter
Eight participating railway-lounge visits yearly, two per quarter
Shown without a cash value
Movies and entertainment · 1 item
BookMyShow movie offer
Usage-based · up to ₹3,60025% discount up to ₹150, 2 times per month. Shared across eligible BookMyShow and INOX bookings from April 1, 2026.
Conditions: Spend ₹25,000 per calendar quarter
Golf · 1 item
One golf round or lesson per ₹50,000 prior-month retail spend, capped at two monthly
Shown without a cash value
Insurance and protection · 3 items
International air-accident cover up to ₹1 crore after the published prior-use and ticket-purchase conditions
Shown without a cash value₹2 lakh RuPay personal-accident cover
Shown without a cash valueCounterfeit-card and account-takeover protection under policy terms
Shown without a cash value
Concierge · 1 item
24-hour concierge service
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹75,000. Self-employed monthly equivalent derives from the published ₹9 lakh annual income threshold.
Other benefits · 2 items
1% fuel-surcharge waiver on ₹400-₹4,000 transactions
Shown without a cash valueAlternative Mastercard and American Express dual-card package where offered
Shown without a cash value
Other categories (5)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Memberships
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Four points per ₹100 internationally, two domestically and one on utilities and insurance
- ✓ Welcome voucher bundle with ₹18,000 fixed face value plus memberships and partner discounts
- ✓ Four domestic lounge visits per quarter for the published dual-card package after ₹75,000 prior-quarter spend
- ✓ 3,000 points at ₹3 lakh plus 1,500 per additional ₹1 lakh, up to 15,000 yearly
What to watch
Lounge and movie benefits require preceding-quarter spend. The welcome vouchers have partner and booking restrictions, and the current ₹3 lakh fee-waiver threshold is much higher than the renewal fee.
Recorded exclusions
Fuel Commute · Rent
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
Movie offer gained a quarterly spend condition
ICICI Bank linked the Rubyx movie discount to spend in the preceding quarter.
- Before
- The published movie offer did not have the current ₹25,000 preceding-quarter threshold.
- After
- ₹25,000 spend in the preceding quarter is required for movie access in the next quarter.
Checked 23 Sept 2026ICICI card benefit changes ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026 · Latest recorded change effective 1 Apr 2026