Marriott Bonvoy HDFC Bank Credit Card
HDFC Bank MastercardVisa
Rewards 1.3%
Net Value ₹10,284
Joining Fee ₹3,000
Renewal Fee ₹0
12 lounge visits • Forex 3.5%
ICICI Rubyx Credit Card
ICICI Bank
Premium lifestyle and travel credit card
Joining Fee
₹3,000
+ 18% GST
First Year Net
+₹10,004
Annual Fee
₹2,000
+ 18% GST
Renewal Net
+₹6,184
Base Reward Rate
1.0%
1 points per ₹100
Best Category
4.0%
Final Net Score
18
out of 100
Net Annual Value
+₹8,544
Score Breakdown
Lower ScoreMid RangeHigher Score
Key Metrics
Final Score
Comprehensive rating based on your spending profile
18/100
Effective Reward Rate
Weighted average based on your spending categories
1.4%
Annual Net Value
Expected yearly benefit after all costs
₹8,544
Payback Period
Time to recover annual fees through rewards
Immediate
Card Information
Category
Premium lifestyle and travel credit card
Launch Date
2018
Networks
Visa, Mastercard, American Express, RuPay
Should I Consider This Card?
Using general assumptions
Likely Eligible
Needs checkAdd income range and credit score to estimate eligibility.
Value for Your Spend
Strong fitAt your current spending pattern, this card is likely to return more value than it costs.
Consider from
₹15,000 / mo
Sweet spot
₹2,00,000 / mo
Net value / year
+₹8,544
Fee outcome
Fee likely waived
Why this result
- Fee waiver threshold: Annual fee waiver is tied to roughly 25,000 monthly spend.
- Top earning category: international has elevated rewards, which can improve value when your spend matches it.
- Portal rewards: Extra value may depend on booking or spending through ICICI Reward Catalog.
Details
Spend curve and supporting scenario values
ICICI Rubyx Credit Card - Key Highlights
💰 Fees & Charges
- Annual Fee: ₹2,000
- Foreign Transaction: 3.5%
- Late Payment: Varies by outstanding amount
🏆 Rewards & Benefits
- Rewards Rate: 1.0% reward rate
- Lounge Access: Available
- Our Rating: 18/100
ICICI Rubyx Credit Card - Frequently Asked Questions
What are the benefits of ICICI Rubyx Credit Card?
ICICI Rubyx Credit Card from ICICI Bank offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.
Who is eligible for ICICI Rubyx Credit Card?
ICICI Rubyx Credit Card is ideal for individuals looking for reward-focused spending. Minimum credit score requirements apply.
How much does ICICI Rubyx Credit Card cost?
The annual fee for ICICI Rubyx Credit Card is ₹2,000. Additional charges may include foreign transaction fees and late payment charges.
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