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ICICI Bank Rubyx Credit Card

ICICI Bank

ICICI Bank Rubyx Credit Card — card image from the issuer's official page

Annual / renewal fee

₹2,000 (2nd year onwards).

VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current)3 Aug 2026, 8:25 PM ISTICICI Bank

Earn rate

Confirm on the official page

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You'll land on the issuer's official application portal at icici.bank.in — if a different card is shown first, use its card selector to pick this one.

Source-traced to issuer Verified 2026-08-03
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at icici.bank.in — if a different card is shown first, use its card selector to pick this one.

Overview

ICICI Bank Rubyx Credit Card by ICICI Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

₹3,000 (first year).

VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current)3 Aug 2026, 8:25 PM ISTICICI Bank

Annual / renewal fee

₹2,000 (2nd year onwards).

VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current)3 Aug 2026, 8:25 PM ISTICICI Bank

Fee waiver

Confirm on the official page

Official source not yet captured

Rewards

Redemption value

  • Redemption Handling Fee (plus GST) per redemption request: ICICI Bank Rewards Scheme ₹99.
  • Mine Cash Statement Credit Redemptions ₹99.
  • Mine Cash Catalogue Based Redemptions ₹25.
  • For ICICI Bank Rewards powered scheme: Catalogue Based Redemptions ₹99.
  • Online and in-store redemptions at Online Partner Brands ₹25.
  • Reward points have expiry of 36 months from date of issuance.

VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current)3 Aug 2026, 8:25 PM ISTICICI Bank

Reward cap

  • Reward Points accrued per statement cycle capped for certain MCCs (w.e.f. Nov 15, 2024) for ICICI Bank Rubyx Credit Card: Utility spend ₹80,000, Insurance spend ₹80,000, Grocery and Departmental spend ₹40,000.
  • Transportation transaction capped at ₹20,000 per statement cycle (w.e.f. Feb 01, 2026).

VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current)3 Aug 2026, 8:25 PM ISTICICI Bank

Reward exclusion

CashRentE-Wallet ReloadFuel

VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current)3 Aug 2026, 8:25 PM ISTICICI Bank

Travel & lounge

Lounge access

  • Domestic airport lounge access: 2 complimentary visits per quarter, unlocked by spending ₹75,000 or more in the preceding calendar quarter (benefit applies to primary Cardholder only; for dual card variants, 2 domestic lounge visits per quarter for each variant).
  • Railway lounge access: available to primary cardholders on presenting valid card and railway ticket (2 per quarter per Rubyx card variant; Rubyx eligible), at 21 railway stations.
  • An authorisation amount of ₹2 is taken on each eligible card at the lounge entrance (Re. 1 on AMEX variants).

VerifiedICICI Bank Rubyx Credit Card product page3 Aug 2026, 8:25 PM ISTICICI Bank

Travel benefit

  • Railway lounge access programme: complimentary railway lounge access at participating stations for ICICI Bank Rubyx Credit Card (primary cardholders only).
  • Requires presenting valid eligible card plus valid railway ticket.
  • Includes 2-3 hours lounge stay, food/beverages, free Wi-Fi, newspaper/magazine.
  • An authorisation amount of ₹2 is taken at entrance.

Verifiedharvested from product page3 Aug 2026, 8:25 PM ISTICICI Bank

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

  • Welcome Gift Vouchers for Rubyx (claimable via iMobile / Internet Banking): Tata CliQ voucher worth ₹2,000.
  • EaseMyTrip vouchers worth ₹2,000 (two vouchers of ₹1,000 each).
  • Croma vouchers worth ₹1,000 (two of ₹500 each, valid on purchase of ₹5,000 or above).
  • Plus EaseMyTrip Holiday Gift Cards, ELIVAAS coupon, EazyDiner 3-month Prime membership and Avis promo code.
  • (Threshold: welcome gift vouchers issued on payment of the card joining fee, as stated on the product page.).

Verifiedharvested from product page3 Aug 2026, 8:25 PM ISTICICI Bank

Concierge

24/7 concierge service (iAssist) available on 1800-26-70731 (toll free for MTNL/BSNL lines) or 022-67872016, for assistance including online bookings.

VerifiedICICI Bank Rubyx Credit Card product page3 Aug 2026, 8:25 PM ISTICICI Bank

Golf benefit

  • One complimentary round or lesson of golf for every ₹50,000 spent on retail purchases in the previous calendar month, up to a maximum of 2 rounds per month.
  • Benefit booked through the Golftripz website.

VerifiedICICI Bank Rubyx Credit Card product page3 Aug 2026, 8:25 PM ISTICICI Bank

Insurance

  • Coverage for Rubyx cardholders (Policy 4049/418250307/00/000): Personal Accident due to Air (Death only) ₹1,00,00,000.
  • Plane Hijacking ₹1,00,000.
  • Credit Shield ₹50,000.
  • Loss of Checked in Baggage ₹84,000.
  • Card Liability Cover (Lost Card / Counterfeit/Skimming/Phishing / Online Fraud) ₹50,000.
  • Loss of Passport and travel documents ₹35,000.
  • Baggage Insurance ₹25,000.
  • Delay of Checked in Baggage ₹21,000.
  • Missing Connecting International Flight ₹21,000.
  • Delay in Flight ₹17,500.
  • Air accident insurance applies only if card used at least once in 60 days prior to event.
  • Covers international travel only where tickets purchased on the Card.
  • Primary cardholders only.

Verifiedharvested from product page3 Aug 2026, 8:25 PM ISTICICI Bank

Milestone benefit

  • BookMyShow offer (w.e.f. Jan 15, 2026): enjoy the offer by spending ₹25,000 or more in the preceding quarter.
  • The cycle repeats every quarter.
  • ICICI Bank Rubyx Credit Card is among the eligible cards.

VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current)3 Aug 2026, 8:25 PM ISTICICI Bank

Eligibility

Eligibility

Cash limit is a sub-set of the credit limit and will be 10% of the credit limit up to a maximum of ₹20,000 for the first 180 days from date of issuance of the Credit Card, unless specified otherwise.

VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current)3 Aug 2026, 8:25 PM ISTICICI Bank

Charges & interest

Forex markup

  • 3.50% mark-up on foreign currency transactions.
  • A refund initiated by the customer on similar Foreign Currency transactions will also attract a 3.5% mark-up fee.

VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current)3 Aug 2026, 8:25 PM ISTICICI Bank

Charge

  • Finance charges (w.e.f. Nov 15, 2024): 3.75% per month (45% p.a.) on revolving credit for retail and cash advances.
  • APR same for retail purchases, balance transfer, cash advances, non-payment of MAD and late payment.
  • Cash advance transaction fee: 2.5% on advanced amount (min ₹500).
  • Card replacement fee: ₹100 (₹200 w.e.f. July 1, 2024; ₹199 for Expressions).
  • Dynamic Currency Conversion Fee: 1% (3.5% w.e.f. Jan 15, 2026) on transactions in INR at international locations or at India merchants registered abroad.
  • Rent Pay: 1% (MCC 6513).
  • Fuel transaction fee: 1% for fuel transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024).
  • Utility transaction fee: 1% for utility payments exceeding ₹50,000 (w.e.f. Nov 15, 2024).
  • Transportation transaction fee: 1% on transactions exceeding ₹50,000 (w.e.f. Jan 15, 2026).
  • Education payment fee: 1% for education payments via third-party apps (w.e.f. Nov 15, 2024).
  • Skill-Based Gaming: 2% (w.e.f. Jan 15, 2026, MCC 5816).
  • Wallet Load: 1% for wallet loads of ₹5,000 or more (w.e.f. Jan 15, 2026, MCC 6540).
  • Over-limit charges: 2.5% of over-limit amount (min ₹550).
  • Fee on cash payment at branches: ₹100 (₹150 w.e.f. Jan 15, 2026).
  • Late payment charges (w.e.f. Nov 15, 2024): None below ₹100.
  • ₹100 (₹100-500).
  • ₹500 (₹501-1,000).
  • ₹600 (₹1,001-5,000).
  • ₹750 (₹5,001-10,000).
  • ₹900 (₹10,001-25,000).
  • ₹1,100 (₹25,001-50,000).
  • ₹1,300 (above ₹50,000).
  • Return of cheque / Auto-Debit return fee: 2% of Total Amount Due (min ₹500) plus ₹50+GST.
  • Supplementary/Add-On Card fee: ₹199 (annual, w.e.f. Nov 15, 2024).
  • GST 18% applicable.

VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current)3 Aug 2026, 8:25 PM ISTICICI Bank

Fuel surcharge waiver

  • Fuel surcharge waiver of 1% of transaction value on HPCL petrol pumps (valid on max transaction of ₹4,000 when paid via ICICI Merchant Services swipe machines) and 1% on all petrol pumps on select cards.
  • Waiver applicable for spends up to ₹50,000 per statement cycle (w.e.f. Nov 15, 2024).

VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current)3 Aug 2026, 8:25 PM ISTICICI Bank

Interest-free period

  • Interest-free period could range from 18 to 48 days.
  • A grace period of 3 days is given after the payment due date.

VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current)3 Aug 2026, 8:25 PM ISTICICI Bank

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the ICICI Bank Rubyx Credit Card?

Officially traced: Rs. 2,000 (2nd year onwards).

MITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current)

What is the joining fee on the ICICI Bank Rubyx Credit Card?

Officially traced: Rs. 3,000 (first year).

MITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current)

What lounge access does the ICICI Bank Rubyx Credit Card include?

Domestic airport lounge access: 2 complimentary visits per quarter, unlocked by spending Rs. 75,000 or more in the preceding calendar quarter (benefit applies to primary Cardholder only; for dual card variants, 2 domestic lounge visits.

ICICI Bank Rubyx Credit Card product page

What welcome benefit does the ICICI Bank Rubyx Credit Card offer?

Welcome Gift Vouchers for Rubyx (claimable via iMobile / Internet Banking): Tata CliQ voucher worth Rs. 2,000.

harvested from product page

What are the transfer ratios for ICICI Bank Rubyx Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current)harvested from product pageharvested from product pageharvested from product page

Official terms

https://www.icici.bank.in/personal-banking/cards/credit-card/rubyx-credit-card.

VerifiedICICI Bank Rubyx Credit Card product page3 Aug 2026, 8:25 PM ISTICICI Bank

Verified 2026-08-03 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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