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ICICI Bank NRI Rubyx Credit Card
ICICI Bank markets the Rubyx directly to NRE/NRO account holders as part of its NRI banking suite, issued against an NRE/NRO fixed deposit rather than domestic income proof. It carries the same lounge and lifestyle benefits as the resident Rubyx but with NRI-specific eligibility and servicing.
Annual fee
₹2,000
Joining fee
₹3,000
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: Complimentary domestic airport lounge access on quarterly spend thresholds
- International lounge access: Complimentary international airport lounge access on quarterly spend thresholds
- Insurance benefits: Air accident cover and purchase protection for the primary cardholder
Benefits by category
- ✈️ Travel
2% reward rate · Complimentary domestic and international airport lounge access on quarterly spend thresholds.
- 🛡️ Insurance
Air accident cover and purchase protection.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Rewards redemption fee: Free for redemption as statement credit or ICICI's own reward catalogue vouchers; ₹99 + GST per redemption request for select third-party gift/merchandise catalogue items
- Foreign currency markup: 3.5%
- Interest rate: 40.8% p.a.
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
Benefits
- Complimentary domestic and international airport lounge access on quarterly spend thresholds.
- Air accident cover and purchase protection.
- Welcome e-gift voucher on activation.
Pros
- + No India credit history or income proof needed against FD
- + Quarterly lounge access
- + Recognised gemstone-series benefits
Cons
- − Credit limit capped by FD amount
- − Forex markup not waived despite NRI focus