ICICI Bank
Rubyx Credit Card
SimplifyCards take:A good fit if you want a card built for lifestyle, movies, and lounge
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Best for International SpendsBest for
4 Reward Points / ₹100 spent
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Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for lifestyle, movies, and loungeBottom line
It combines complimentary airport lounge access, accelerated rewards on international spends, and milestone rewards
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate |
|---|---|
| Domestic Retail Spends | 2 Reward Points / ₹100 spent |
| International Spends | 4 Reward Points / ₹100 spent |
| Utility & Insurance Spends | 1 Reward Point / ₹100 spent |
Redemption
Statement balanceupto ₹ 0.25 per point
Airmile transferupto 0.16666666666666666 airmile per point
| Airline | Programme | Ratio |
|---|---|---|
| Air India | Air India Maharaja Club | 6:1 |
Important conditions
1
Domestic lounge8 visits per year
- Two complimentary domestic airport lounge visits per quarter, subject to spending ₹75,000 in the preceding calendar quarter
- Offers 2 complimentary domestic airport lounge visits per quarter, subject to spending ₹75,000 in the preceding calendar quarter
- Two complimentary domestic railway lounge visits per quarter (no spend requirement)
- Offers 2 complimentary domestic railway lounge visits per quarter (no spends criteria)
2
MilestoneEarn 3,000 reward points on spending ₹3,00,000 in an anniversary year
3
Milestone1,500 additional Reward Points for every ₹1 lakh spent beyond ₹3 lakh in an anniversary year, capped at 15,000 points total
4
Fee waiverRenewal fee waived on annual spends of ₹ 3 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- Tata CLiQ voucher worth ₹2,000
- EaseMyTrip vouchers worth ₹2,000 (two vouchers of ₹1,000 each)
- Croma vouchers worth ₹1,000 (two vouchers of ₹500 each)
- Uber voucher worth ₹250
Additional benefits
- Two complimentary domestic airport lounge visits per quarter, subject to spending ₹75,000 in the preceding calendar quarter
- Two complimentary domestic railway lounge visits per quarter (no spend requirement)
- 25% discount on BookMyShow and INOX movie tickets, capped at ₹150 per ticket, twice a month (minimum 2 tickets), subject to spending ₹25,000 in the preceding calendar quarter
- 1% fuel surcharge waiver on all fuel transactions of ₹400 to ₹4,000 at HPCL petrol pumps
- Up to 4 complimentary golf rounds every month based on eligible monthly spends
Additional details
- A transaction fee of 1% applies to utility payments exceeding ₹50,000 per month
Eligibility
Check this before you apply
Salaried
- Age: 21 - 65 years
- Minimum net monthly salary: ₹50,000
Self-employed
- Age: 21 - 65 years
- Minimum annual income / ITR: ₹5,50,000
Exclusions
Spending that does not earn reward points
- Fuel transactions
- Rent payments
- E-wallet loading transactions
- Government transactions
- Tax payments
- EMI transactions
Compare before you decide
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