All cards / ICICI Bank
ICICI Rubyx
Sits between Coral and Sapphiro in ICICI's travel lineup — a stronger lounge and golf package plus a welcome voucher pack worth over ₹15,000, aimed at mid-to-upper spenders who want meaningful travel perks without paying Sapphiro's fee. The catch is that most of the value is spend-gated: golf needs ₹50,000/month and lounge access is capped quarterly, so the card rewards consistent high spenders far more than occasional users.
Annual fee
₹2,000
Joining fee
₹3,000
Reward type
points
Base reward rate
0.5%
Card network
Mastercard
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 730+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: 25% off (up to ₹150) on BookMyShow/INOX tickets, twice a month
- Rewards rate: 0.5% base rate
- Domestic lounge access: 2 complimentary domestic airport lounge visits per quarter, plus 8 complimentary railway lounge visits/year
- International lounge access: No standalone Priority Pass membership at this tier; international lounge access is not bundled
- Golf: 2 complimentary golf rounds/month, tied to ₹50,000 monthly spend
- Insurance benefits: ₹1 crore air accident cover for the primary cardholder on international travel; ₹2 lakh personal accident cover on the RuPay variant
Benefits by category
- ✈️ Travel
2 complimentary domestic airport lounge visits per quarter + 8 complimentary railway lounge visits/year
- 🛡️ Insurance
₹1 crore air accident cover (primary cardholder, international travel only); ₹2 lakh personal accident cover on RuPay variant
- 🧾 Utilities
0.25% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on ₹400–₹4,000 transactions
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 730
- Minimum monthly income: ₹75,000
- 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: 45% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped monthly
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
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 voucher pack worth over ₹15,000
- + Domestic lounge access plus complimentary golf and railway lounge visits
- + Lower annual fee than Sapphiro for a broadly similar perk set
- + ₹1 crore air accident cover on international travel
- + 24/7 concierge covering travel, dining, and emergency assistance
Cons
- − Base reward rate of 0.5% is low relative to the ₹2,000 annual fee
- − Most perks (golf, lounge, movie discounts) are gated behind quarterly or monthly spend thresholds
- − Air accident cover applies only to international travel, not domestic
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