ICICI Bank Rubyx Credit Card
ICICI Bank · Visa
Why this card?
- 1% back in reward points on international spends; 0.5% on other spends
- ₹3,000 joining fee, ₹2,000 annual fee; renewal fee waived on ₹3 lakh yearly spend
- 8 domestic airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- ICICI Bank
- Network
- Visa
- Annual Fee
- ₹2,000
- Joining Fee
- ₹3,000
- Reward Type
- points
- Best Reward Rate
- 1% on international spends
- Forex Markup
- 3.5%
- Domestic Lounge
- 8/yr
- Min. Monthly Income
- ₹75,000
- Rates verified
- 2026-10-06
Our verdict
ICICI Rubyx is best known for its complimentary golf rounds, up to 2 a month (one per ₹50,000 spent in the prior month), on a ₹2,000 annual fee and ₹3,000 joining fee. The 8 domestic lounge visits per year need ₹75,000 spend in the preceding quarter, and there are 8 railway lounge visits too. Rewards are 2 points per ₹100 on domestic spends (about 0.5%) and 4 on international (about 1%), with a minimum income of ₹75,000 a month.
Pros
- Up to 2 complimentary golf rounds per month, earned at one per ₹50,000 spent in the prior month
- 8 domestic lounge visits per year (subject to ₹75,000 spend in the preceding quarter) plus 8 railway lounge visits
- Air accident insurance cover of up to ₹1 crore
- Annual fee waived at ₹3 lakh spend
Cons
- 2 reward points per ₹100 on domestic spends is mediocre for a ₹2,000 annual fee card
- Reward rate is higher only on international spends (4 points per ₹100); utility and insurance earn just 1 point
- 3.5% forex markup — not suitable for international use