ICICI Bank Rubyx Credit Card

Joining fee

₹3,000 + GST

Annual fee

₹2,000 + GST

Fee waiver rule

Fee waived if you spend ₹3 lakh.

Add-on card fee

₹199.

Welcome benefit

Welcome Vouchers worth over ₹15,000 from Tata CLiQ, Tata Croma, EazyDiner, EaseMyTrip, Avis and Elivaas.

Reward rate

4 Points per ₹100 spent on international spend, 2 on domestic spend and 1 on utility and insurance spend.

Reward earning on international spends

Earn Points on every ₹100 spend: 4 On International Spend.

Utilities earning

Earn Points on every ₹100 spend: 1 On Utility and Insurance Spend.

Reward exclusions

You do not get reward points on Fuel transactions.

Reward caps

Reward Points accrued per statement cycle will be capped: Utility Spend ₹80,000, Insurance Spend ₹80,000, Grocery and Departmental Spend ₹40,000.

Catalogue redemption

Redeem reward points for Health and Beauty, Travel and Luggage, Shopping Voucher, Home Appliances, Electronics, Fashion and Lifestyle.

Voucher and product redemption

Redeem reward points for Shopping Voucher.

Point expiry

Reward points have expiry of 36 months from the date of issuance.

Domestic lounge access

Get 2 Domestic Airport Lounge access quarterly for primary cardholders; you must spend ₹75,000 or more in a preceding spend quarter

Hotel or travel programme

Get 2 complimentary access to the selected railway lounges in India every quarter.

Dining programme

A 3-month EazyDiner Prime Membership worth ₹1,095.

Golf

A round or lesson of golf for every ₹50,000 spent on retail purchases in the previous calendar month; a maximum of 2 rounds per month

Concierge

24X7 support for varied needs such as restaurant reservations, flower & gift deliveries, hotel & flight bookings, car rentals and even movie ticket delivery.

Milestone benefits

Get 3,000 Reward Points on ₹3 lakh spend & 1,500 for every additional ₹1 lakh spend (up to 15,000 reward points per year)

Movie or entertainment ticket benefit

25% off up to ₹150 on movie tickets at INOX, twice a month, and on BookMyShow twice a month, on eligible spends of ₹25,000 or more in the preceding spends quarter

Fuel surcharge waiver

Cardholders can avail of a 1% fuel surcharge waiver on all fuel transaction from ₹400 - ₹4000 at any fuel outlet in India.

Surcharge on railway tickets

1.80% of transaction value for Internet transactions and 2.50% for other bookings. For cards on American Express network: 1.80% of transaction value or ₹10 whichever is higher

Air accident cover

Air Accident Insurance coverage of ₹1 crore; the insurance covers international travel only

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5%3.5% Dynamic Currency Conversion fee on all transactions conducted in Indian currency at international locations or transactions carried out in Indian currency at merchants located in India but registered in a foreign nation (Charges w.e.f. Jan 15, 2026)

Cash advance fee

2.5% on advanced amount, subject to minimum of ₹500

Cash withdrawal limit

The Credit Limit and Cash Withdrawal Limit are communicated at the time of delivery of the Card and are indicated in the monthly statements.

Interest on unpaid balance

3.75% per month i.e., 45% per annum.

Interest-free period

18 to 48 days interest-free when you pay in full.

Late payment fee

Ranging from ₹100 to ₹1,300.

Over-limit fee

2.50% of the over-limit amount, subject to a minimum of ₹550

Payment return or dishonour fee

Return of cheque or Auto-Debit return: 2% of Total Amount Due (Min. ₹500)

Card replacement fee

₹200 for all cards with effect from July 1, 2024. Exception: ₹3500 for Emeralde Private Metal Credit Card and Times Black ICICI Bank Credit Card; ₹5000 for 1838 Reserve ICICI Bank Credit Card

Cash payment / cash deposit fee

A fee of ₹150 per payment transaction w.e.f. Jan 15, 2026 on cash deposited at any of the branches of ICICI Bank towards the Card payment

Charge for lounge visits beyond the free limit

Any additional access beyond the complimentary benefit is charged as per the rates decided by the service provider.

Education / school fee charge

A fee of 1% of the transaction amount for education payments made through third-party apps (w.e.f. Nov 15, 2024)

EMI conversion fee

Processing fee of 2.99%, capped at a maximum of ₹299 + 18% GST on all Instant EMI transactions with effect from Sep 01, 2025; processing fee of up to 2% of the transaction value on all EMI on Call transactions

Fee on online skill-based gaming spends

A fee of 2% of the transaction amount for skill-based gaming transactions (w.e.f. Jan 15, 2026)

Reward redemption fee

₹99

Wallet load charge

A fee of 1% of the transaction amount for wallet load transactions of ₹5,000 or more (w.e.f. Jan 15, 2026)

Fuel transaction fee

A fee of 1% of the transaction amount for fuel transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024)

Rent transaction fee

1% fee on transaction amount (Merchant Category Code: 6513)

Utility transaction fee

A fee of 1% of the transaction amount for utility payment transactions exceeding ₹50,000 (w.e.f. Nov 15, 2024)

GST note

GST may be applicable from time-to-time; presently the GST rate for banking and financial services is at 18% applicable on all fees, interest, surcharge and other charges

Grace days after the due date

Late Payment Charges will be applicable if the Minimum Amount Due is not paid by the payment due date (grace period of 3 days)

Minimum amount due

5% of the outstanding amount or such other amount as may be determined by ICICI Bank at its sole discretion.

Income requirement

A salaried individual with a monthly income of ₹75,000; Self-employed individual with an annual income of ₹9,00,000.

Minimum age

Between the age of 21 and 65 years.

Documents required

Proof of identity, Proof of address, Income Proof; No physical documents required.

Residency

An Indian citizen over 21 years of age.