All cards / ICICI Bank
ICICI Rubyx
Sits between Coral and Sapphiro — a stronger lounge and golf package plus a generous welcome voucher pack, aimed at mid-to-upper spenders who want travel perks without Sapphiro's fee.
Rates and fees last verified 19 July 2026.
Annual fee
₹2,000
Joining fee
₹3,000
Reward type
points
Base reward rate
0.5%
Card network
Mastercard
Card tier
Mid
Reward rates by category
- Utilities0.25%
Eligibility
- Minimum credit score: 730
- Minimum monthly income: ₹75,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 2 complimentary domestic airport lounge visits per quarter + 8 complimentary railway lounge visits/year
- Welcome vouchers worth over ₹15,000 (Tata CLiQ, EaseMyTrip, Croma, EazyDiner, Avis, Elivaas) on payment of joining fee, within 45 days
- ₹1 crore air accident cover (primary cardholder, international travel only); ₹2 lakh personal accident cover on RuPay variant
- 2 complimentary golf rounds/month (on ₹50,000 monthly spend) and BookMyShow/INOX discount of 25% up to ₹150, twice a month
- 1% fuel surcharge waiver on ₹400–₹4,000 transactions
- 3,000 bonus points at ₹3 lakh annual spend, plus 1,500 points per additional ₹1 lakh, capped at 15,000 points/year
- 24/7 concierge for reservations, bookings, emergencies, and medical support
Pros
- + Strong welcome vouchers (~₹15,000)
- + Domestic lounge + golf + railway lounge access
- + Lower fee than Sapphiro for similar perks
Cons
- − Base reward rate is low relative to fee
- − Most perks gated behind quarterly/monthly spend thresholds
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