Fee break-even
List the ₹3,000 + GST first year, ₹2,000 + GST renewal (waived on ₹3L annual spend) cost and subtract only the lounge, reward and travel benefits you expect to use in a normal year.
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ICICI Bank
ICICI Bank Rubyx Credit Card
Best entry ICICI travel-lifestyle card
How to evaluate this travel card
Start with your real travel pattern: how often you fly, whether you use domestic or international lounges, how much you spend abroad and which airline or hotel partners you already use. Then compare the value you can realistically receive with the annual fee shown above. Rewards only help when their redemption options match trips you would book anyway.
Travel fit
Check whether the Visa / Mastercard network, 3.5% forex terms and stated airline or hotel benefits fit your destinations.
Before applying
Confirm eligibility, welcome-benefit conditions, spend milestones, exclusions and the current schedule of charges on ICICI Bank's site.
Annual Fee
₹3,000 + GST first year, ₹2,000 + GST renewal (waived on ₹3L annual spend)
Lounge Access
2 Domestic airport (spend-gated ₹75,000/quarter) + 8 railway lounge visits/year
Reward Rate
2 pts/₹100 domestic, 4 pts/₹100 international; up to 15,000 pts/year on spend milestones
Detailed Benefits
- Joining Benefits
- —
- Domestic Lounge Access
- 2 Visits/year (airport, spend-gated) + 8 railway
- International Lounge Access
- Not standard
- Forex Markup
- 3.5%
- Airline Benefits
- —
- Hotel Benefits
- Golf privileges
- Network
- Visa / Mastercard
Frequently Asked Questions
Is ICICI Bank Rubyx Credit Card currently shown as active?
Yes. Deal4Flight only creates public card pages for cards that are not marked discontinued in our travel-card list. Always confirm availability on ICICI Bank's official page before applying.
What is ICICI Bank Rubyx Credit Card best for?
Best entry ICICI travel-lifestyle card
Where should I verify the latest fees and benefits?
Use the official source link on this page. Fees, lounge access, spend gates and rewards can change without notice.
How should I judge whether ICICI Bank Rubyx Credit Card is worth its annual fee?
Compare the annual fee with benefits you will actually use, such as lounge visits, travel rewards, hotel privileges and forex savings. Do not count a benefit at full value if your normal travel pattern would not use it.
Do lounge visits always work without conditions?
Not necessarily. Issuers may apply quarterly limits, minimum-spend conditions, eligible-card variants or network rules. Check the latest issuer terms and confirm the lounge participates before travel.