Premium
ICICI Rubyx Credit Card
ICICI 4.8
CardTrail Score
Decent
out of 10
Annual Fee
₹3,000
Spend ₹3.5L/year
Forex Markup
3.5%
Reward Rate
0.25%
Up to 4%
Lounge Access
4
domestic | 0 intl
About This Card
The ICICI Rubyx Credit Card is a premium credit card from ICICI with an annual fee of ₹3,000. It earns rewards at 0.25% on everyday purchases. Key perks include 4 complimentary lounge visits, fuel surcharge waiver. Best suited for dining enthusiasts.
Pros & Cons
Pros
- Fuel surcharge waiver saves on petrol/diesel
- Easy EMI conversion on purchases
- Attractive welcome bonus: 2,000 Reward Points
- Premium lifestyle and concierge benefits
Cons
- ₹3,000 annual fee may not suit light spenders
- 3.5% forex markup is above average
- Income eligibility: ₹6L+ per annum
Fee Details
Annual Fee
₹3,000
Joining Fee
₹3,000
Fee Waiver Condition
Spend ₹3.5L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
0.25%
Max Rate
4%
Currency
PAYBACK Points
Welcome Bonus
2,000 Reward Points
Lounge Access
Domestic Lounges
4
per quarter
International Lounges
0
Key Highlights
- + Annual fee ₹3,000 (waiver: Spend ₹3.5L/year)
- + 4 domestic lounge visits per year
- + Fuel surcharge waiver at all pumps
- + Welcome bonus: 2,000 Reward Points
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Quick Summary
Best For
lifestyle dining
Annual Fee ₹3,000
Base Reward 0.25%
Max Reward 4%
Forex Markup 3.5%
Network Visa Signature
Min Income ₹6L+
CardTrail Score
Best For
lifestyle dining
