ICICI Bank
ICICI Bank Rubyx Credit Card
Annual Fee
₹2,360₹2,000 + GSTBase Reward
2% points
Foreign Markup
3.5%
Welcome Benefits
Travel & shopping vouchers worth ₹5,000
Product Highlights
- 2 Reward Points/₹100 spent domestically
- 4 Reward Points/₹100 spent internationally
- Complimentary domestic airport lounge access every year
- 25% discount on movies on BookMyShow & INOX
Category Rewards
Specialty
4 RP per ₹100 on international purchases
1X
utilities
1 RP per ₹100 on utilities/insurance
0.25X
Specialty
1 RP per ₹100 on utilities/insurance
0.25X
Fee Waiver
Spend ₹3 Lakh or More Each Year to Waive Annual Charges
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
BookMyShow
25% Discount(Up to ₹150 on Movie Bookings)
INOX
25% Discount(Up to ₹150 on Movie Bookings)
Reward Calculator
Costs you ₹1,310/year
Break-even needs ~₹35,962/month at your reward mix.
₹16K
across all your buckets
4.2K
ICICI Reward Points
₹1.1K
via standard · ₹0.25/pt
Effective rate
0.55%
Annual fee
₹2,360
Year 1 net
₹-1,310
Year 2+ net
₹-1,310
ongoing
Adjust your spend by reward bucket
3 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
3,000 reward points
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%from Jan 2026Kicks in after ₹5,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹50,000 cumulative utility spends/cycle
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, rent, wallet, emi, cash advance, utility
Fuel surcharge waiver (good news)
1%Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 4 Reward Points on every ₹100 spent internationally, 2 Reward Points on every ₹100 spent domestically, and 1 Reward Point on every ₹100 spent on insurance and utilities.
- 1 Reward Point = ₹0.25
Benefits & Features
Domestic: 2 Airport Lounge Visits Each Quarter (Spends of ₹75,000 or More in the Previous Quarter) Free Railway Lounge Access available at select stations.
Pros & Cons
Pros
- Offers several useful insurance benefits, including air accident cover worth ₹1 crore.
- Moviegoers can easily take advantage of the Buy One Get One offers on BookMyShow and INOX.
Cons
- Doesn’t offer anything special in terms of the reward rate.
- Airport lounge access can only be unlocked after making high spends of ₹75,000 each quarter.
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.8L+
Self-Emp
₹9.0L+
Networks
Fee Waiver
Spend ₹3 Lakh or More Each Year to Waive Annual Charges