This is the same product on a different payment network. Everything on this page applies to both rails — the differences are below. Pick the rail you want; you apply for it directly with the bank.
Same rewards and perks, UPI-linkable on RuPay - but single-network (no Visa+Amex dual companion).
In-depth review
ICICI Bank Rubyx Credit Card
A dual-network card (Visa/Mastercard + Amex) that gives you two lounge programmes, two offer ecosystems, golf and concierge on one bill for ₹2,000 (waivable at ₹3 lakh). The perk bundle is the genuine draw; the rewards are middling and 2026 added spend gates and exclusions. Lean on the Visa side for everyday acceptance and buy it for the lounges, not the earn.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹2,000 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
1% on International
4 ICICI Reward Points per ₹100 on international spends (~1%)
0.5% on Other
2 ICICI Reward Points per ₹100 domestic (~0.5%) + milestones (3,000 RP at ₹3L, +1,500/₹1L, max 15,000/yr); fuel, rent and wallet loads earn nothing
Airport Lounge Access
2 domestic airport lounge visits a quarter, unlocked by ₹75,000 of spend in the preceding quarter, plus 2 railway lounge visits a quarter
Annual Fee Waiver
Fee of ₹2,000 + 18% GST (₹2,360 all-in)/yr fully waived when you spend ₹3,00,000/year
Golf Privileges
A round or lesson of golf for every ₹50,000 of retail spend in the previous calendar month, up to 2 a month
Movie Ticket Benefit
25% off, capped at ₹150, twice a month each on BookMyShow and INOX; needs ₹25,000 of spend in the preceding quarter
Milestone Bonus
~₹750 in bonus rewards on hitting annual spend milestones
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
8 visits/yr
Domestic lounges
₹5,200
Estimated annual value
3.5%
Forex markup
- Domestic airport lounge access (8 domestic visits/yr, worth ~₹5,200)
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- 25% off, capped at ₹150, twice a month each on BookMyShow and INOX; needs ₹25,000 of spend in the preceding quarter
For mid-tier ICICI customers who want lounge access on two networks and will clear ₹75k/quarter to keep it live. Buy it for the perk bundle, not the ~0.5% base earn.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| International | reward points | 1%4 pts/₹100 × ₹0.25 | — |
| Other | reward points | 0.5%2 pts/₹100 × ₹0.25 | — |
| Groceries | reward points | 0.5%2 pts/₹100 × ₹0.25 | ₹200 |
| Insurance | reward points | 0.25%1 pts/₹100 × ₹0.25 | ₹200 |
| Utility Bills | reward points | 0.25%1 pts/₹100 × ₹0.25 | ₹200 |
International: 4 ICICI Reward Points per ₹100 on international spends (~1%)
Other: 2 ICICI Reward Points per ₹100 domestic (~0.5%) + milestones (3,000 RP at ₹3L, +1,500/₹1L, max 15,000/yr); fuel, rent and wallet loads earn nothing
Groceries: Grocery and departmental store spends earn the standard 2 RP per ₹100 retail rate, but are capped at 800 RP a statement cycle — reached at ₹40,000 of grocery spend, after which they earn nothing until the cycle turns
Insurance: 1 ICICI Reward Point per ₹100 on insurance premiums (~0.25%) — half the retail rate; capped at 800 RP a statement cycle, reached at ₹80,000 of insurance spend
Utility Bills: 1 ICICI Reward Point per ₹100 on utility spends (~0.25%) — half the retail rate; government payments are billed as utilities and earn at this rate. Capped at 800 RP a statement cycle, reached at ₹80,000 of utility spend
Earns nothing on: Fuel · Rent · Cash Advances · Wallet Loads
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹2,360 |
| Joining fee (incl. 18% GST) | ₹3,540 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹10,350/yr in total.
2 domestic airport lounge visits a quarter, unlocked by ₹75,000 of spend in the preceding quarter, plus 2 railway lounge visits a quarter
25% off, capped at ₹150, twice a month each on BookMyShow and INOX; needs ₹25,000 of spend in the preceding quarter
A round or lesson of golf for every ₹50,000 of retail spend in the previous calendar month, up to 2 a month
1% fuel surcharge waiver on transactions of ₹400–₹4,000 at any fuel outlet
3,000 Reward Points at ₹3L of annual spend, then 1,500 RP per additional ₹1L, up to 15,000 RP a year
Spend milestone
- ₹3,00,000 a year₹750 of value
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 International (1% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ 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
- Utility, insurance and grocery earning is capped every statement cycle
Eligibility & documents
This is the figure for salaried applicants. Where ICICI Bank sets a separate one for the self-employed, its own eligibility page gives it.
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 ICICI Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
1 RP = ₹0.40 against the statement — ICICI's only published rate
Voucher store; ICICI publishes only an 'up to ₹1' ceiling, never a realised rate
iShop travel; rate is set per card at checkout, so the ₹1 ceiling is not a value
Air India is ICICI's only transfer partner, and the ratio splits 6x by card: Emeralde Private Metal and Times Black convert 1:1 (⇒ ₹1/pt), every other eligible card 6:1 (⇒ ₹0.17/pt — worse than the ₹0.40 voucher route, so on those cards transferring destroys value). Min 2,000 points; credited in up to 5 working days.
✈ Transfer partners
Direct transfers from this card only, ranked by what a point is worth in the destination programme. Full calculator, every currency →
The core earn is just ~0.5%, the 2026 gates/exclusions bite, and patchy Amex acceptance undercuts the headline dual-network benefit.
Frequently asked questions
How does dual Visa + Amex network work?
Is there lounge access on both networks?
How does the movie benefit work?
What earns 2X?
Are reward points capped on any category?
Is the dual-network feature genuinely useful?
How has the ICICI Bank Rubyx Credit Card changed over time?
Has the ICICI Bank Rubyx Credit Card been devalued recently?
When did the ICICI Bank Rubyx Credit Card's fees last change?
How did the ICICI Bank Rubyx Credit Card change in 2026?
The bottom line
Rubyx's dual-network trick is more useful than it sounds: two lounge programmes, two sets of offers, one bill, and it earns its keep as a mid-tier travel-lite card. But the rewards are mediocre (~0.5% base), the 2026 devaluation added gates and exclusions, and Amex acceptance gaps blunt half the dual-network appeal — so price it on the lounges.
How this page was built
Counted from this card’s own record: 5 earn rules, 3 of them capped, the spends listed as earning nothing and 5 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the ICICI Bank Rubyx Credit Card are taken from ICICI Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for ICICI Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
ICICI Bank Rubyx Credit Card
A dual-network card (Visa/Mastercard + Amex) that gives you two lounge programmes, two offer ecosystems, golf and concierge on one bill for ₹2,000 (waivable at ₹3 lakh). The perk bundle is the genuine draw; the rewards are middling and 2026 added spend gates and exclusions. Lean on the Visa side for everyday acceptance and buy it for the lounges, not the earn.
ICICI Bank Sapphiro Credit Card
Still a sensible mid-premium card — modest reward points but enough lounge access for a monthly flyer, golf, and a fee that waives at ₹6 lakh. But ICICI has wrapped nearly every benefit in a spend condition: lounges have needed ₹75k/quarter since January 2025, and the 2026 devaluation added a ₹25k gate on movies and stopped several categories earning. Great for the consistent spender; frustrating for the occasional one.
ICICI Bank Coral Credit Card
The bank's long-standing starter card — a movie discount, modest dining earn, a quarterly lounge visit for ₹500. The 2026 ICICI-wide devaluation reached even here, gating the movie benefit behind ₹25,000 and lounge access behind ₹75,000 of quarterly spend — thresholds that the lighter spenders a starter card targets will struggle to clear. ICICI's own free Amazon Pay card out-earns it for most people.
MakeMyTrip ICICI Bank Credit Card
For travellers who book everything through MakeMyTrip, a quietly excellent deal — 6% myCash on MMT hotels, 3% on flights, cabs and buses, MMTBLACK Gold status and a class-leading 0.99% forex markup, all for ₹999. The card's long-running exemption from ICICI's lounge spend-gate lapsed on 30 June 2026. The catch is the co-brand one: your value lives inside MMT, and the platform's pricing can quietly erode it. Superb if you book MMT anyway; a trap if you price-shop.
Chennai Super Kings ICICI Bank Credit Card
The Chennai Super Kings ICICI Bank Credit Card was a cricket co-brand for CSK fans — complimentary home-match tickets, player meet-and-greets, autographed memorabilia and 10 reward points per ₹100 on match days. ICICI has since closed it to new applicants. Existing holders keep everything; the base earn was only ~0.5% and the movie and lounge perks are now spend-gated, so the fan experiences were always the real point. New customers should pick an active ICICI card instead.
ICICI Bank Expressions Credit Card
A customisable-design starter card: you pick the card face, and it earns 3 ICICI Reward Points per ₹100 on retail (~0.75% at ₹0.25/point) — a touch better than the 2-point Coral. It carries the usual ICICI starter kit for a ₹499 fee that waives at ₹1.5 lakh, but the lounge and movie perks now sit behind ₹75,000 and ₹25,000 quarterly spend gates, and ICICI's free Amazon Pay card still out-earns it for most people.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2011 · last change Apr 2026
2026
- ▼ BenefitObserved 17 Dec 2025 · Effective 1 Apr 2026
BookMyShow movie benefit becomes spend-gated
Complimentary→Requires ₹25,000 spend in previous quarter
From 1 Apr 2026 the Rubyx's BookMyShow movie-ticket benefit is unlocked only if the cardholder spent at least ₹25,000 in the preceding quarter — a shift from an unconditional perk to a spend-gated one.
Verification: ICICI Bank ↗ · Confidence: High
- ▼ FeeObserved 19 Feb 2026 · Effective 1 Mar 2026
Minimum Amount Due rebuilt as a two-branch formula
5% of the outstanding amount, plus instalments, the over-limit amount, fee GST and any unpaid previous MAD→100% of GST, EMI principal and interest, fees, the over-limit amount and unpaid MAD, plus 5% of retail spends, cash advances and the finance charge — the finance charge taken in full whenever that 5% falls short of it
From the 1 March 2026 statement onwards ICICI stopped deriving the Minimum Amount Due from a single 5%-of-outstanding line and began building it component by component: GST, EMI principal and interest, fees and charges, the over-limit amount and any unpaid previous MAD are all taken at 100%, and 5% is applied to retail spends, cash advances and the finance charge. Where 5% of those three comes to less than the finance charge alone, the whole finance charge is added instead and only retail and cash are taken at 5%. ICICI illustrates both branches itself — a minimum of ₹11,210 on a ₹37,830 total due, and ₹21,620 on a ₹1,15,810 total due where finance charges dominate. Paying the statement in full is unaffected; the minimum rises only for people carrying a balance or taking cash.
Verification: ICICI Bank ↗ · Confidence: High
- ▼ RewardObserved 17 Dec 2025 · Effective 1 Feb 2026
Transport-category earning capped
Transport spends earned uncapped→Transport rewards capped at ₹20,000 per statement cycle
From 1 February 2026 ICICI capped the reward points earned on transport-category spends — rail, bus, taxi, tolls and similar — at ₹20,000 of spend per statement cycle on its Gemstone-tier cards. Spend above the cap still posts to the card, it simply stops earning. The cap is per statement cycle, not per month, so a long cycle does not buy extra headroom.
Verification: ICICI Bank ↗ · Confidence: High
- ▼ RewardObserved 17 Dec 2025 · Effective 15 Jan 2026
Fuel, rent and wallet loads stripped of rewards; government re-bucketed into utilities
Wider earning base; government spend earned at the 2 RP/₹100 retail rate→Fuel, rent & third-party wallet loads excluded; government billed as utilities at 1 RP/₹100
ICICI's 2026 round stopped fuel, rent and third-party wallet loads from earning reward points on the Rubyx. Government spends were not stripped outright — a point often got wrong — because ICICI reclassified them as utility transactions, so they continue to earn at the halved utility rate of 1 RP per ₹100 rather than the 2 RP per ₹100 retail rate. Everyday retail continued to earn 2 RP per ₹100 domestic.
Verification: ICICI Bank ↗ · Confidence: High
- ▼ FeeObserved 22 Dec 2025 · Effective 15 Jan 2026
New wallet, gaming and transport transaction fees
No such fees→1% wallet loads >₹5k/mo; 2% online gaming; 1% transport >₹50k/mo
As part of ICICI's portfolio-wide 2026 revision (Rubyx explicitly named), the card added a 1% fee on third-party wallet loads (Amazon Pay/Paytm) above ₹5,000/month, a 2% fee on online-gaming spends regardless of amount, and a 1% fee on transport spends above ₹50,000/month.
Verification: CardAdvisor Research · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/icici-rubyx#value-timeline">ICICI Bank Rubyx Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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