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Premium Decision Grade Catalog
ICICI BANK LTD
Rubyx Credit Card
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Verified Catalog
Source: ICICI BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Premium travel & lifestyle
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Premium card offering reward points on all transactions except fuel
Highlight 2
Complimentary airport lounge access
Highlight 3
Fuel surcharge waiver benefits
Highlight 4
Dining discounts at over 2,600 restaurants nationwide
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹3,000
The front-loaded charge when you apply.
Annual fee
₹3,000
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹3,000100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary airport lounge access included with card membership.
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
No specific hotel loyalty benefits are registered.
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
No secondary fee details registered for this card.
Summary
Pros, cons, rating, and decision metrics.
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Premium card offering reward points on all transactions except fuel
- Complimentary airport lounge access
- Fuel surcharge waiver benefits
- Dining discounts at over 2,600 restaurants nationwide
Cons
- Joining fee applies: ₹3,000
- Annual fee applies: ₹3,000
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