ICICI Bank
World · Rubyx
ICICI Bank Rubyx Credit Card
ICICI Bank
Earn accelerated reward points on international spends with premium travel benefits
Annual Fee
₹2,000
Joining Fee
₹3,000
Reward Rate
0.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹22,640
Total Annual Benefits
₹25,000
Total Annual Charges
₹2,360
ROI
959%
Fee Waiver Available
Annual fee waived on spending ₹3 Lakh in the preceding year — ₹3,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (1)
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year
- • At participating airport lounges via Dreamfolks
8 visits/year
₹16,000/yr
Reward Points (3)
Reward Points on International Spends
Earn 4 reward points per ₹100 on international transactions
- • Accelerated earn rate for international transactions
4 RP per ₹100
Reward Points on Domestic Spends
Earn 2 reward points per ₹100 on domestic transactions
- • Excludes fuel, cash advances, EMI conversion
2 RP per ₹100
Reduced Earn Rate on Utility & Insurance
Earn 1 reward point per ₹100 on utility and insurance payments
- • Applies to utility bill payments and insurance premiums
1 RP per ₹100
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Valid on transactions ₹400–₹5,000
- • Max ₹300 per statement cycle
1% waiver
₹3,600/yr
Reward Program
Program
ICICI Reward Points
4 RP per ₹100 international, 2 RP per ₹100 domestic, 1 RP per ₹100 utility/insurance
Effective cashback: 0.50%
Points expire: 3 years from date of accrual
Redemption Options
- → Products & Vouchers from ICICI Rewards Catalogue
- → Air miles conversion
- → Statement credit
- → Hotel and flight bookings
Bonus Categories
International
4x multiplier
4 RP per ₹100 on international spends
Domestic
2x multiplier
2 RP per ₹100 on domestic spends
Utility & Insurance
1x multiplier
1 RP per ₹100 on utility and insurance
Milestone Bonuses
2,000 bonus reward points on spending ₹3 Lakh annually
Spend ₹3,00,000 annually
2,000 Reward Points
Additional 2,000 bonus reward points on spending ₹6 Lakh annually
Spend ₹6,00,000 annually
2,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹3,000 Plus GST |
| Annual Fee | ₹2,000 Plus GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.53%
- Late Payment Fee
- ₹1,200
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹200
- Other Bank Withdrawal
- ₹200
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹300/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹50,000
- Min. Annual Income
- ₹7,50,000
- Min. Credit Score
- 725
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹50,000
- • Self-Employed: ITR > ₹7.5 Lakh p.a.
- • Age 21–60 (salaried), 21–65 (self-employed)
Insurance Coverage
Accidental Death
₹50.0 L
Permanent Disability
₹50.0 L
Lost Card Liability
₹5.0 L
Report within 24h
- • Personal accident insurance: ₹50 Lakh
- • Credit liability cover: ₹5 Lakh
Airport Lounge Access
Domestic
8 visits/year
Up to 8 per year
~₹2,000/visit
International
0 visits/year
Not available
Dreamfolks Mastercard Airport Experiences
- • 8 complimentary domestic lounge visits per year at participating lounges
- • Swipe Rubyx card at airport lounges for access
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹5,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Global acceptance on Mastercard World network Add-on cards available EMI conversion facility ICICI Culinary Treats dining offers Movie ticket offers on BookMyShow International transaction capability
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The ICICI Bank Rubyx Credit Card is a World-tier card on the Mastercard network offering 4 reward points per ₹100 on international transactions and 2 ...
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