Dual-platform premium card offering accelerated international rewards, BOGO movie tickets, and domestic plus railway lounge access.
Mid-Tier Spenders, Movie Enthusiasts, Weekend Diners & Domestic Travelers
₹3,000
One-time upfront₹2,000
Waived on ₹3 lakh annual spend4 RPs/₹100 on International Spends, 2 RPs/₹100 on Domestic Spends and 1 RP/₹100 Spent on Insurance and Utilities
On eligible spends2 Domestic visits/quarter · ₹75k quarterly spend required
Complimentary visitsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The ICICI Bank Rubyx Credit Card is a mid-tier lifestyle card issued as a dual-variant card (combining Mastercard/Visa with Amex or RuPay networks). It delivers 2 ICICI Reward Points per ₹100 on domestic retail (0.50% return) and 4 RP per ₹100 on international spending (1.00% return). Its core value proposition lies in entertainment and travel conveniences: Buy 1 Get 1 free movie tickets up to ₹250 per ticket twice a month on BookMyShow and INOX (up to ₹500/month or ₹6,000/year in cinema savings), 2 complimentary domestic airport lounge visits per calendar quarter (8/year) on spending ₹75,000 in the previous quarter, and 2 complimentary IRCTC Executive Railway Lounge visits per quarter without spend conditions. Cardholders also receive 1 complimentary golf round/lesson per month on spending ₹50,000. However, the joining fee of ₹3,000 and renewal fee of ₹2,000 are relatively steep given the modest 0.50% base earn rate, and the ₹3,00,000 annual spend required for fee waiver is significant. Who should get it: Regular moviegoers who book premium movie tickets twice a month (recovering up to ₹6,000 annually) and domestic travelers spending ₹25,000+ monthly. Who should avoid it: Pure cashback seekers or frequent international travelers seeking zero forex markup and international lounge access.
4 RPs/₹100 on International Spends, 2 RPs/₹100 on Domestic Spends and 1 RP/₹100 Spent on Insurance and Utilities
TataCliQ Voucher Worth ₹2,000, EaseMyTrip Vouchers Worth ₹2,000, Croma Vouchers Worth ₹1,000, and EazyDiner 3-Month Prime Membership
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| International Spends | 4 Reward Points per ₹100 spent internationally (1 RP = ₹0.25) | No Cap | Standard terms apply |
| Domestic Retail Spends | 2 Reward Points per ₹100 spent domestically | No Cap | Standard terms apply |
| Utilities & Insurance | 1 Reward Point per ₹100 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| International Spends | ₹6,000 | 4 Reward Points per ₹100 spent internationally (1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Domestic Retail Spends | ₹18,000 | 2 Reward Points per ₹100 spent domestically | — | None | Calculating... | Under cap |
| Utilities & Insurance | ₹6,000 | 1 Reward Point per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹2,000
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Earn 3,000 bonus Reward Points (worth Rs 750) on spending Rs 3,00,000 in an anniversary year.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Rewards Accrual: 2 ICICI Reward Points per ₹100 spent on domestic retail transactions (0.50% return); 4 ICICI Reward Points per ₹100 on international retail transactions (1.00% return); 1 ICICI Reward Point per ₹100 on utilities and insurance categories (0.25% return). Point Valuation: 1 ICICI Reward Point = ₹0.25. Points redeemable for merchant vouchers, merchandise, or statement credit on the ICICI Rewards portal. ₹99 + GST redemption fee applies. Entertainment Offer: Buy 1 Get 1 free movie ticket up to ₹250 per ticket, twice a month on BookMyShow and INOX (up to ₹500 monthly savings). Lounge Access: 2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits per year), subject to spending ₹75,000 or more in the preceding calendar quarter. 2 complimentary railway lounge visits per calendar quarter to IRCTC Executive Lounges across India. Fee & Waiver: Joining fee ₹3,000 + GST (welcome vouchers worth ₹5,000+ included upon fee payment); annual renewal fee ₹2,000 + GST waived on spending ₹3,00,000 or more in the preceding anniversary year. Golf & Surcharge: 1 complimentary golf lesson/round per month on spending ₹50,000 in previous month. 1% fuel surcharge waiver on transactions up to ₹4,000 at HPCL petrol pumps swiped on ICICI merchant POS machines.
Evaluate whether this card's perks and waiver threshold justify its ₹2,000 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding ICICI Bank Rubyx Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official ICICI Bank portal with paperless verification.
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Best for: Frequent Domestic Travelers, Lifestyle Brand Shoppers & Milestone Achievers
Rewards: 5 Reward Points per ₹200 spent
Lounge access: 12 Domestic + 6 International visits/year · ₹60k quarterly spend required (Domestic)
Forex markup: 2% Low Forex
Renewal fee waived on ₹4,00,000 annual spend
Last verified 16 Oct 2026
Best for: First-Time ICICI Borrowers, Moviegoers & Domestic Railway Travelers
Rewards: 0.25% Back On Utility & Insurance Spends (1 RP/₹100) And 0.50% Back On All Other Eligible Spends (2 RP/₹100)
Lounge access: 1 Domestic visits/quarter · ₹75k quarterly spend required
Renewal fee waived on ₹1,50,000 annual spend
Last verified 2 Oct 2026
Best for: Frequent Domestic & International Travelers, Golfers & Premium Cinema Goers
Rewards: 4 points/₹100 intl, 2 points/₹100 domestic
Lounge access: 4 Domestic visits/quarter + 2 International visits/year · ₹75k quarterly spend required (Domestic)
Renewal fee waived on ₹6,00,000 annual spend
Last verified 2 Oct 2026
Best for: Ultra-high-net-worth individuals, luxury frequent flyers, and high spenders seeking the highest reward return on travel bookings in India.
Rewards: 5 Reward Points per ₹150 spent
Lounge access: Unlimited Domestic & International
Forex markup: 2% Low Forex
Renewal fee waived on ₹10,00,000 annual spend
Last verified 16 Sept 2026
Best for: Ultra-high-net-worth individuals, conglomerate chairpersons, family office principals, and top executives demanding bespoke global lifestyle privileges.
Rewards: 1 EDGE Mile/₹100 Spent on All Transactions
Lounge access: Unlimited Domestic & International
Forex markup: 1.5% Low Forex
Last verified 3 Oct 2026
Best for: Global family offices, private wealth patrons, and multinational business leaders seeking bespoke international banking privileges and global airport convenience.
Rewards: Bespoke high-yield rewards on global luxury spends
Lounge access: Unlimited Domestic & International
Forex markup: 1.5% Low Forex
Last verified 3 Oct 2026