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mid-tierpointsICICI Bank · Visa
ICICI Bank Rubyx Credit Card
2 RP per ₹100 base (~0.5%). 3 RP per ₹100 international. Issued as dual-card (Visa + Amex) — ratios reflect Visa variant.
what it costs
| joining fee | ₹3,000 |
|---|---|
| annual fee | ₹2,000 |
| how to dodge the fee | Annual fee waived on ₹3,00,000 spend in the preceding anniversary year |
| forex markup | 3.5% + GST |
how you earn
every ₹100 you swipe earns you points in ICICI Bank Reward Points.
| default | 0.5× / ₹100 |
|---|---|
| international | 0.75× / ₹100 |
freebies
| welcome gift | ₹5,000 shopping & travel voucher kit upon joining fee payment |
|---|
extras
| domestic lounges | 8/year (max 2/quarter, spend-based condition applies) |
|---|---|
| international lounges | — |
| who can apply | Salaried or self-employed; ICICI standard underwriting |
want it?
all numbers checked against the bank's page on 2026-05-28. apply links may carry an affiliate tag — see our disclosure.