ICICI Rubyx credit card

ICICI Rubyx

ICICI Bank · Visa

ICICI Rubyx is a premium travel card with 8 domestic lounges, Cleartrip rewards, and Golf privileges.

Annual Fee

₹3,000

Waived at ₹6.0L spend

Joining Fee

₹3,000

Base Reward Rate

2X

₹0.5/pt

Min CIBIL

700

₹6L+ income

Key Features

Premium dual-network card — comes on Visa and Mastercard simultaneously
4 PAYBACK points per ₹100 on all spends
2 complimentary domestic lounge visits per quarter
Dining privileges at 2,500+ partner restaurants via EazyDiner and Zomato
Milestone benefits on annual spend
Zero fuel surcharge at HPCL petrol stations
Contactless payment enabled
Complimentary golf rounds at select courses

Welcome Benefits

✓

₹2,000 E-Gift Voucher on Joining

Receive a ₹2,000 e-gift voucher from Yatra or other partners on card activation

✓

Complimentary 3-Month EazyDiner Prime

Free EazyDiner Prime membership for dining privileges at 10,000+ restaurants

Reward Rates by Category

Dining

4X

Travel

4X

Online

4X

Shopping

2X

Grocery

2X

Fuel

1X

Utilities

1X

Other

2X

Partner Earn Rates

PartnerCategoryEarn Rate
Dining (EazyDiner)Dining5X
GroceryGrocery4X
Utility PaymentsUtilities4X

Milestone Benefits

₹1.5 L

₹1,000 Gift Voucher

Earn a ₹1,000 gift voucher on spending ₹1.5 lakhs annually

Annual

₹2.5 L

Annual Fee Waiver

Spend ₹2.5 lakhs to waive the annual fee for the following year

Annual

Airport Lounge Access

Domestic

8 visits/year

International

2 visits/year

Insurance & Protection

Air Accident Cover

Travel booked on card

₹50 Lakhs

Purchase Protection

Covers theft/damage of purchases within 90 days

Up to ₹50,000

Zero Liability

Report loss promptly

100% fraudulent charges

Pros

  • 8 domestic lounge visits/year
  • 2 international lounge visits
  • 4X on dining and online
  • Golf privileges
  • Cleartrip travel benefits

Cons

  • Annual fee Rs 3,000
  • Moderate income requirement
  • Limited airline transfer partners

Redemption Options

Flight tickets

Good₹0.5/pt

Shopping vouchers

Standard₹0.4/pt

Frequently Asked Questions

What makes Rubyx a dual-network card?+
ICICI Rubyx comes as two cards — one on Visa and one on Mastercard — letting you choose the best network for each transaction or use internationally where one network is preferred.
Earn rate?+
4 PAYBACK points per ₹100 on all spends — redeemable for vouchers, miles and merchandise.
Dining benefits?+
Dining privileges via EazyDiner at 10,000+ restaurants — up to 15% off plus enhanced PAYBACK points earn.
Lounge access?+
2 complimentary domestic airport lounge visits per quarter.
Annual fee?+
₹2,000. Waived on ₹2.5 lakh annual spend.

Ready to apply?

Apply on the ICICI Bank website. Usually takes 10 minutes.

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ICICI Rubyx

₹3,000/yr · 2X rewards