LifestylePremiumVisaRuPay

ICICI Rubyx Credit Card

Annual fee₹2,000Waived on ₹3.0L spend

RewardsEarn 1 Point on every ₹100 spend on Utility and Insurance Spend

Forex markup3.5%3.5%

Apply Now Check Eligibility →

Secure · Free · No spam calls

Independent comparison platform. Not affiliated with ICICI Bank. Full disclaimer

Welcome benefits

worth ₹5,000

Vouchers worth over ₹5,000 from Tata CLiQ, Tata Croma, EazyDiner, EaseMyTrip and more

Type: Vouchers
Trigger: within 45 days
Partner: Tata CLiQ, Tata Croma, EazyDiner, EaseMyTrip

Read full T&C →

Rewards

Base earn rate

Earn 1 Point on every ₹100 spend on Utility and Insurance Spend

ICICI Bank Rewards

Excludes: Fuel

Category	Rate	Cap
International	—	—
Domestic	—	—
Utility Insurance	—	—

• Redemption fee: ₹99

Milestone benefits

Get 3,000 Reward Points on ₹ 3 lakh spend & 1,500 for every additional ₹ 1 lakh spend (up to 15,000 reward points per year)

Lounge access

Domestic

8visits / year

Max 2 per quarter
Requires ₹75,000 prior spend

View partner lounges →DreamFolks lounge programme →

International

Not included

Railway lounge access — Included

Get 8 Complimentary Railway Lounge access Annually. Get 2 complementary access to select railway lounges in India every quarter. Simply present your ICICI Bank Rubyx Credit Card to enjoy the privileges. Over and above the permitted number of complimentary access, each subsequent access will be charged as per rates laid out by each lounge service provider. The access to railway lounges will be applicable only for primary cardholders.

Fees & charges

Joining fee: ₹3,000 + GST
Annual / renewal fee: ₹2,000 + GST
Annual fee waiver: Spend over ₹3 lakh and get annual fee waived off for the next year
Add-on card fee: ₹199
Interest rate: Pay 3.75% interest per month if only minimum due is paid. Pay 3.75% interest per month for late bill payment
Interest-free period: 48 days
Cash advance fee: ATM Withdrawal - Pay 3.75% interest per month
Overlimit fee: 2.5%, min ₹550
Payment dishonour: ₹500
Forex markup: 3.5%
DCC markup: 3.50%
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

View official MITC →

Insurance covers

Air accident

₹100L

Get an Air Accident Insurance cover up to ₹1 crore. The primary Cardholder is entitled to Air Accident Insurance coverage of ₹1 crore. This benefit applies only when the Card has been used at least once in the 60 days prior to the event. Note that the insurance covers international travel only, provided that the tickets were purchased using the Credit Card. Supplementary 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.

Credit liability

₹2L

Insurance T&C →

Eligibility

Income (salaried): A salaried individual with a monthly income of ₹75,000. Self-employed individual with an annual income of ₹9,00,000
Income (self-employed): ₹9L/year
Age: 21–65 years

Employment types

SalariedSelf-Employed

Required documents