ICICI Bank Rubyx Credit Card

creditsub-premium

A sub-premium card offering benefits across travel, shopping, and lifestyle with dual variant options and milestone rewards.

Score breakdown

Data completeness: 100% · Last verified: 06 Jul 2026

Reward value11/100 · weight 65%

≈ 0.53% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency83/100 · weight 11%

Redemption flexibility75/100 · weight 8%

Perks36/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹3,000 + 18% GST
= ₹3,540 total
Annual fee: ₹2,000 + 18% GST
= ₹2,360 / year total
Forex markup: 3.5%

Lounge access

Domestic (per year): 8
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
travel	points	1.00%(4 pts @ ₹0.25)	—	4 RPs/₹100 on International Spends
all_spends	points	0.50%(2 pts @ ₹0.25)	—	2 RPs/₹100 on Domestic Spends
utilities	points	0.25%(1 pts @ ₹0.25)	—	1 RP/₹100 Spent on Insurance and Utilities

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

fuel

Welcome offer

Vouchers worth ₹5,000+ (Tata CLiQ, EaseMyTrip, Croma, EazyDiner) on payment of joining fee.

What's inside

Experience

Golf Access
2 complimentary rounds per month subject to spends.

Travel privileges

Concierge Service
24x7 premium concierge assistance.

Lifestyle

Movie Discount
25% off up to ₹150 on BookMyShow/INOX, twice a month.