ICICI Bank Rubyx Credit Card
ICICI · VISA★ 4.3/ 5
✓ Details last verified 1 Jan 2025
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Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹2,000 in vouchers, points or cashback on card activation
5% on Online Shopping
5% cashback on online shopping
3% on Dining
3% cashback on dining
Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
Fee of ₹2,000/yr fully waived when you spend ₹2,50,000/year
Movie Ticket Benefit
2 free movie tickets per month via BookMyShow
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
5.0%
online shopping cashback
2.0%
Base rate (all other spends)
- 5.0% cashback on online shopping
- 2.0% on all other spends — no restrictions
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
2/month
Free movie tickets
- 2 free movie tickets per month via BookMyShow
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
8 visits/yr
Domestic lounges
₹4,000
Estimated annual value
3.5%
Forex markup
- Domestic airport lounge access (8 visits/yr, worth ~₹4,000)
ICICI Rubyx is a dual-network card — Visa + Amex. That means lounge access on two different networks: Visa at most Indian airports, Amex at select international locations. Siddharth uses it for online shopping (5% cashback) and movies (2 free tickets via BookMyShow per month = ₹2,400/year).
Who is this for?
For mid-tier ICICI customers who want lounge access on both Visa and Amex networks — uniquely useful at airports where one network's lounge is full. Also good if you watch 2 movies a month in theatres.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹1.00. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | cashback | 5% | — |
| Dining | cashback | 3% | — |
| Other | cashback | 2% | — |
Online Shopping: 5% cashback on online shopping
Dining: 3% cashback on dining
Other: 2% cashback on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
2 complimentary domestic lounge visits per quarter
2 free movie tickets per month via BookMyShow
Should you get it?
- Best for: Everyday spenders, Online shoppers
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Online Shopping (5% back).
- Frequent travellers benefit from the included airport lounge access.
Pros
- Strong rewards that can offset the annual fee for the right spender
- Simple, accessible entry/mid-tier card
Cons
- Annual fee applies unless the spend-based waiver is met
- Fewer premium travel and lifestyle perks
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
The concern
The core earn rate is mediocre — the card's appeal is the perk structure, and Amex acceptance gaps blunt half of it.
Bottomline
CardAdvisor Rating: 4.3 / 5Rubyx's dual-network trick is more useful than it sounds: two lounge programmes, two sets of offers, one bill. As a mid-tier travel-lite card for ICICI customers it earns its keep, though the rewards themselves are middling.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the ICICI Bank Rubyx Credit Card are taken from ICICI's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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