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ICICI Bank Rubyx Credit Card by ICICI Bank

ICICI Bank Rubyx Credit Card

ICICI Bank

A step below Sapphiro — domestic lounges and railway access at a lower fee.

priority:lounge domesticTravel pointspriority:vouchersDining rewardsFuel surcharge waiver

₹3,000

Joining fee

₹2,000, waived at ₹3L spend

Annual fee

Waived if annual spend exceeds Rs 3,00,000 in the preceding year; aggregator notes rent and education spend are excluded from this spend calculation.

3.5%

Forex markup

4.1 / 5

Rating

Eligibility

Estimated minimum income: ₹75,000+/month

Estimated — not officially confirmed by the bank.

Estimated minimum CIBIL score: 720+

Estimated — not officially confirmed by the bank.

Age: 21–65

Salaried min Rs 75,000/month or self-employed min Rs 9,00,000/year

Lounge access

8 domestic / 8 railway visits per year

Stated as 2 domestic lounge visits/quarter. Also includes 8 railway lounge visits/year, not counted in this column.

Key features

  • 2 domestic lounge visits/quarter + 8 railway lounge visits/year
  • 2 complimentary golf rounds
  • ₹5,000+ welcome vouchers

Reward details

2 points per Rs 100 on domestic retail (~0.5% return per aggregator)

  • 4 points per Rs 100 (~1% return per aggregator) on International spend
  • 1 point per Rs 100 (~0.25% return, reduced vs. base rate) on Utilities/insurance

Welcome bonus: Welcome vouchers worth Rs 15,000+

Redemption

Via ICICI's own rewards portal (replaced Payback in April 2022); shopping vouchers, travel, electronics, lifestyle, home appliances.

Excluded from rewards: fuel

  • 1% fuel surcharge waiver (Rs 400-4,000 transactions)
  • Rs 1 crore air accident insurance (international travel only)
  • 2 complimentary golf rounds monthly, gated by Rs 50,000 monthly spend
  • 25% off up to Rs 150 on BookMyShow/INOX movie tickets, twice monthly each, gated by Rs 25,000+ quarterly spend

Real-world feedback

Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.

Complaints

  • Overall reward rates modest compared to competing cards — CardMaven
  • ICICI's own rewards redemption portal isn't great in terms of choices — CardMaven (commenter)

Sources

  • Official — fees, eligibility, forex, lounge, rewards
  • Aggregator — sentiment, waiver exclusions, effective forex rate
  • Aggregator (not independently verified) — page timed out on fetch, not used as a source
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