CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
ICICI Bank

ICICI Bank Rubyx Credit Card

27
Ranked #114 of 170 in credit
creditsub-premium

ICICI's sub-premium all-rounder card from the Gemstone series, offering a strong welcome bundle, golf privileges, and railway lounge access, positioned between Coral and Sapphiro.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value11/100 · weight 71%
≈ 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 12%
Redemption flexibility75/100 · weight 9%
Perks36/100 · weight 9%

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
Waiver: Renewal fee (Year 2+) waived on annual spend of Rs 3 lakh
Forex markup
3.5%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
online_travel_bookingpoints1.00%(4 pts @ ₹0.25)—4 RP/Rs 100 international
travelpoints1.00%(4 pts @ ₹0.25)—4 RPs/₹100 on International Spends
all_spendspoints0.50%(2 pts @ ₹0.25)—2 RP/Rs 100 domestic
utilitiespoints0.25%(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

Travel and shopping vouchers worth Rs 5,000+ (TataCliQ Rs 2,000, EaseMyTrip Rs 2,000, Croma Rs 1,000) + complimentary EazyDiner Prime 3-month membership, within 45 days of joining fee payment

Milestone benefits

Pros

  • Strong welcome voucher bundle (~Rs 5,000+)
  • 1 golf round/lesson per Rs 50,000 monthly retail spend (up to 2/month)
  • railway lounge access unconditional
  • rewards on insurance/utilities (usually excluded)
  • BOGO-style 25% movie discount twice/month

Cons

  • Low base reward rate (0.25%-1%)
  • domestic lounge now requires high Rs 75,000/quarter spend
  • insurance benefits require card use within 60 days of event
  • four network variants (Visa/RuPay/Mastercard/Amex) may have differing benefit sets — verify variant-specific terms

What's inside

More benefits

  • Golf Access

    2 complimentary rounds per month subject to spends.

  • Movie Discount

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

  • Concierge Service

    24x7 premium concierge assistance.

  • Complimentary golf & dining discount

    Golf rounds and Culinary Treats dining program discounts

    unlimited. Partner venues

Insurance cover

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Eligibility

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Age 21+ (primary), 18+ (supplementary); salaried min income Rs 50,000/month, self-employed ITR > Rs 5.5-9 lakh/annum (sources vary)

Small print

Fuel surcharge:1% fuel surcharge waiver at fuel outlets