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ICICI Bank
ICICI Rubyx RuPay
RuPay
ICICI Rubyx RuPay
The RuPay version of Rubyx - identical travel, golf and lounge perks, plus UPI QR payment support, but with a lower air accident cover than the Mastercard original.
Rates and fees last verified 15 July 2026.
Annual fee
₹2,000
Joining fee
₹3,000
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Mid
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
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 QR payments
- + Lower fee than Sapphiro RuPay for similar perks
Cons
- − Lower air accident cover than the Mastercard Rubyx
- − RuPay international acceptance is limited