ICICI Bank Rubyx Credit Card against Fixed Deposit

ICICI Bank · Closed to new applicants

The Rubyx card issued against an ICICI fixed deposit, no longer among the FD cards offered: 2 reward points per ₹100 at home and 4 abroad.

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
None on record
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

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 earn rules and caps are the Rubyx card's; ICICI publishes nothing separate for the secured version. Welcome vouchers, milestones and lounges are not entered.

Sources

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