ICICI Bank Rubyx Credit Card

ICICI Bank · Open to apply

ICICI's mid-tier card: 2 reward points per ₹100 at home and 4 abroad, welcome vouchers, two domestic lounge visits a quarter on spend, railway lounges, golf and movie offers, and milestone points up to 15,000 a year.

Annual fee
₹2,000 + GST a year
Joining fee
₹3,000 + GST
Fee waiver
Annual fee waived on ₹3,00,000 spend per card year
Base rate
Domestic spends, 2 points per ₹100: 2 ICICI Bank Reward Points per ₹100 (about 0.5% at cash value)
Lounges
Domestic: 2 visits a calendar quarter after ₹75,000 spend; Railway: 8 visits a calendar year
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • International spends, 4 points per ₹100: 4 ICICI Bank Reward Points per ₹100 (about 1% at cash value)

Earns nothing on

  • No points on cash, rent, fuel, e-wallet loads or EMI

Where the sources disagree

  • Annual fee waiver timing: The product page says spend over ₹3 lakh waives the next year's fee; the MITC footnote *** reverses the same year's fee on completion of the anniversary year. We use the MITC.

Terms the calculator does not value

  • ICICI publishes no rupee value per reward point. The calculator uses the third-party ₹0.25, so every points-based number on this card moves with it.
  • The welcome vouchers are valued at ₹5,000 of fixed face value; the page's "over ₹15,000" counts the EazyDiner, Avis and ELIVAAS offers and the ₹3,000 EaseMyTrip holiday card, which have conditions (ELIVAAS needs a ₹50,000 booking; the T&C of 2026-04-16 give no ELIVAAS or holiday-card amount).
  • Whether UPI spends on the RuPay variant earn points is not stated; they are credited at the normal rate.

Sources

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