VISA
ICICI BankICICI Rubyx Credit Card
Joining₹3K
Annual₹2K/yr
Reward1%
CreditPremium
- 4 reward points per ₹100 on all retail
- Complimentary domestic + international lounge access (Dreamfolks)
- Buy-one-get-one on BookMyShow
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LifestylePremiumVisaMastercardAmerican Express
ICICI Emeralde Credit Card
Luxury rewards for premium spenders
Annual fee₹12,000Waived on ₹10.0L spend
RewardsEarn Points on every ₹100 spend: 4 On Domestic Spend, 4 On International Spend, 1 On Utility and Insurance Spend
Forex markup2%2.0% on all foreign currency transactions
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Welcome benefits
worth ₹5,000Shopping voucher from TATA CLiQ worth ₹5,000 (American Express Cardholders)
- Type
- Voucher
- Partner
- TATA CLiQ
Rewards
Base earn rate
Earn Points on every ₹100 spend: 4 On Domestic Spend, 4 On International Spend, 1 On Utility and Insurance Spend
ICICI Bank Reward Points
Excludes: Utility, Insurance
| Category | Rate | Cap |
|---|---|---|
| Domestic Spend | — | — |
| International Spend | — | — |
| Utility Insurance | — | — |
- • Redemption fee: ₹99
Lounge access
Fees & charges
- Joining fee
- ₹12,000 + GST
- Annual / renewal fee
- ₹12,000 + GST
- Annual fee waiver
- Spend over ₹10 lakh and get your Annual Fee waived for the next year
- Add-on card fee
- Free
- Interest rate
- Pay 3.75% interest per month
- Interest-free period
- 48 days
- Cash advance fee
- Nil (no cash advance fee on this card)
- Overlimit fee
- No over limit fee
- Payment dishonour
- ₹500
- Forex markup
- 2.0% on all foreign currency transactions
- DCC markup
- 2%
- Reward redemption
- ₹99 per redemption
- Fuel surcharge
- 1% waiver, on ₹400–₹4000 txns, max ₹50,000/cycle
Late payment
| Outstanding amount | Late fee |
|---|---|
| ₹0 – ₹100 | ₹0 |
| ₹101 – ₹500 | ₹100 |
| ₹501 – ₹1,000 | ₹500 |
| ₹1,001 – ₹5,000 | ₹600 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
Insurance covers
Air accident
₹300L
Up to ₹3 crore. The primary Cardholder is entitled to Air Accident insurance coverage of ₹3 crore. This benefit applies only when the Card has been used at least once in the 60 days prior to the incident. Note that the insurance covers international travel only, provided that the tickets were purchased using the Credit Card. Supplemental Cardholders are not eligible for this insurance coverage.
Fraud liability
Cardholders are protected against fraudulent transactions with Counterfeit Card Liability, ensuring coverage against unauthorised usage. Additionally, the Card provides an Account Takeover Cover, which safeguards you in case your personal information is accessed or misused by a third party without your consent.
Eligibility
- Income (salaried)
- A salaried individual with a monthly income of ₹1,50,000. Self-employed with an annual income of ₹18,00,000
- Income (self-employed)
- ₹18L/year
- Age
- 21–65 years
Employment types
SalariedSelf-Employed
Required documents
- proof_of_identity
- proof_of_address
- income_proof
Features
✓ International usage✓ Concierge service
Additional features
- no_over_limit_fee
- travel_with_one_card_internationally
No rewards on
Utility · Insurance
Card management via iMobile.
FAQs
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