ICICI Bank Rubyx
ICICI Bank · Checked 2026-10-09
ICICI Bank Rubyx is a paid card focused on shopping rewards, airport lounge access and reward points, charging ₹2,000 annually before GST.
CardIQ editorial view
Our take
ICICI Bank Rubyx is a paid card focused on shopping rewards, airport lounge access and reward points, charging ₹2,000 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise airport lounge access.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 2 points per ₹100 domestic and 4 per ₹100 international eligible spend.
- Domestic lounge benefits require ₹75,000 spend in the preceding quarter.
Trade-offs to understand
- Domestic lounge benefits require ₹75,000 spend in the preceding quarter.
- Milestone reward points have annual limits.
- Movie benefits have qualifying spend and booking conditions.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 2 points per ₹100 domestic and 4 per ₹100 international eligible spend valuable enough to clear the fee. Factor in this condition: Domestic lounge benefits require ₹75,000 spend in the preceding quarter.
Compare before deciding
- Axis Bank Privilege Easy — A lower-fee way to compare similar strengths in shopping rewards and reward points.
- Apollo SBI Card SELECT — A lower-fee way to compare similar strengths in shopping rewards and reward points.
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Benefits, limits and conditions
- Domestic lounge benefits require ₹75,000 spend in the preceding quarter.
- Milestone reward points have annual limits.
- Movie benefits have qualifying spend and booking conditions.