ICICI Bank
InterMiles ICICI Bank Rubyx Credit Card
Annual Fee
₹2,950₹2,500 + GSTBase Reward
3% points
Foreign Markup
3.5% of the transaction amount
Welcome Benefits
5,000 bonus InterMiles, flight discount voucher worth ₹500 and hotel discount voucher worth ₹1,000
Product Highlights
- Up to 10 InterMiles on every ₹100 spent with the American Express variant
- Up to 7.5 InterMiles for every ₹100 spent with the Visa variant
- 5,000 bonus InterMiles as a welcome benefit
- 2 complimentary domestic airport lounge access every quarter
Category Rewards
travel
10 InterMiles per ₹100 spent
10X
Specialty
1 InterMile per ₹100 on insurance and utility spends
1X
Fee Waiver
Waived for InterMiles Platinum Tier members
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
intermiles bookings + international spends
Up to 10 InterMiles per ₹100
Reward Calculator
Costs you ₹70/year
Break-even needs ~₹13,316/month at your reward mix.
₹13K
across all your buckets
7.2K
InterMiles
₹2.9K
via standard · ₹0.4/pt
Effective rate
1.85%
Annual fee
₹2,950
Year 1 net
₹-70
Year 2+ net
₹-70
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & 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
Up to 10 InterMiles on every ₹100 spent with the American Express variant and up to 7.5 InterMiles for every ₹100 spent with the Visa variant. Accelerated InterMiles on flight bookings through intermiles.com.
- InterMiles earned can be redeemed for flight bookings, hotel reservations, shopping vouchers, etc on the InterMiles web portal
Benefits & Features
Domestic: 2 domestic airport lounge access each quarter (Minimum ₹5,000 spent in the previous quarter required) 1 lounge access each through American Express & Visa variant.
Pros & Cons
Pros
- 5,000 bonus InterMiles on joining
- Up to 25% discount on movies through BookMyShow
- 15% discount on dining through Culinary Treats Programme
Cons
- Annual fee of ₹2,500 + GST
- Maximum InterMiles capped at 40,000 per year
Additional Info
Maximum InterMiles capped at 40,000 per year
Renewal fee waived for InterMiles Platinum Tier members
Maximum number of InterMiles you can earn through this card is capped at 40,000 InterMiles per year.
Excluded Categories
Partner Merchants
Ready to apply?
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Fees & Charges
Eligibility
Networks
Fee Waiver
Waived for InterMiles Platinum Tier members