Route spending through 4 Reward Points per ₹100 on international spends (product page 2026-09-17).
Earn 1.0× here — 1.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Mid-tier · Premium
ICICI BANK · ICICI RUBYX CREDIT CARD
ICICI Rubyx Credit Card
ANNUAL FEE
₹2,000 waived at ₹3L spend
FIRST-YEAR NET VALUE
₹14,000 for a mid spender · travel
ICICI BANK ICICI Rubyx
Updated 17 Sep 2026 5 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is ICICI Bank's.
MONTHLY INCOME ₹0.5L+ Salaried or self-employed
CREDIT SCORE 700+ Good band
AGE 23 – 65 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹14,000 first-year net value · mid spender · travel
Category rewards ₹9,000
Welcome benefit· Welcome reward points ₹5,000
Annual fee − ₹2,000
Fee waiver (met)· 100% annual fee waiver on ₹3 lakh annual spend ₹2,000
Net first-year value ₹14,000
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 0.50% back on eligible spends 2 pts 2 points per ₹100
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 1.0% back
4 Reward Points per ₹100 on international spends (product page 2026-09-17) · 1.0%
1 Reward Point per ₹100 on utility and insurance (product page 2026-09-17) · 0.3%
Everything else (base) · 0.5%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time ICICI Bank tweaks the program.
Line up your ₹3L before renewal.
Crossing ₹3L in the anniversary year waives the ₹2,000 fee — automatic for spenders at ₹25,000+/month. Watch your pace in months 10–12.
Don't sleep on 1 Reward Point per ₹100 on utility and insurance (product page 2026-09-17).
The second tier earns 0.3× (0.3% back). Often overlooked next to the headline category but compounds if you route consistently.
Redeem through the best path, not the default.
Point value varies across redemption options. Best path: ₹0.25/point. Same earnings, more value.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹3,000 · + 18% GST · one-time
Annual fee (year 2+) ₹2,000 · waived at ₹3L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
2 domestic visits per year. Primary cardholder.
Welcome voucher
₹5,000 Welcome reward points.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹3L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How ICICI Rubyx Credit Card has changed.
Last verified 17 Sep 2026.
- 17 Sep 2026 Reward effective rates corrected to 0.5% domestic / 1.0% international / 0.25% utility (2, 4 and 1 points per ₹100 at ₹0.25 per point; the earlier file valued points at ₹1); milestone cap recorded as 15,000 points a year; welcome voucher partners updated (Tata CLiQ, Croma, EazyDiner, EaseMyTrip, Avis, Elivaas). Joining ₹3,000 + GST, annual ₹2,000 + GST with ₹3L waiver, 2 domestic lounge visits a quarter on ₹75,000 and 8 railway lounge visits a year re-verified. Card was scoring four times its real earn rate in reward-led rankings
- 15 Nov 2024 Airport lounge access spending criteria increased to ₹75,000 per quarter Higher threshold to unlock quarterly lounge benefits
- 15 Nov 2024 Spa benefit discontinued Loss of spa access benefits that were previously available
- 15 Nov 2024 Supplementary card annual fee introduced at ₹199 Additional cost for add-on cardholders
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: ICICI Bank Rubyx Credit Card product page, ICICI Bank Rubyx Credit Card fees and charges page, ICICI Bank Credit Card KFS PDF, ICICI Bank Rubyx Credit Card eligibility page, icicibank.com. Next scheduled review: 17 Mar 2027.