All cards / ICICI Bank
ICICI Rubyx RuPay
The RuPay version of Rubyx — identical travel, golf, and lounge perks plus a welcome voucher pack worth over ₹15,000, with the added benefit of UPI QR payment support that the Mastercard variant lacks. It carries a lower fee than Sapphiro RuPay for a broadly similar perk set, though the insurance cover trails the Mastercard original.
Annual fee
₹2,000
Joining fee
₹3,000
Reward type
points
Base reward rate
0.5%
Card network
RuPay
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
- Rewards rate: 0.5% base rate
- Domestic lounge access: 2 complimentary domestic airport lounge visits per quarter, plus 8 complimentary railway lounge visits/year
- Insurance benefits: ₹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
₹2 lakh personal accident cover (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
- ₹2 lakh personal accident cover (RuPay variant)
- UPI payments supported by linking the RuPay Credit Card to any UPI app
- 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
- 24/7 concierge for reservations, bookings, emergencies, and medical support
Pros
- + Same golf/lounge/voucher benefits as Rubyx Mastercard
- + UPI-linkable for everyday QR payments
- + Lower annual fee than Sapphiro RuPay for a broadly similar perk set
- + 24/7 concierge covering travel, dining, and emergency assistance
Cons
- − Lower air accident cover than the Mastercard Rubyx
- − RuPay international acceptance is more limited than Visa/Mastercard
- − Most perks (golf, lounge) are gated behind monthly or quarterly spend thresholds
Best for