Cards · ICICI Bank

ICICI Bank Rubyx Credit Card: rewards, caps and exclusions

The ICICI Bank Rubyx Credit Card pays about 1% on International spend, and 0.5% on everything else. Below is every rate, cap and exclusion in ICICI Bank's published terms, as we last checked them on 28 August 2026.

Visa, American Express₹2,000 a yearPaid in points

What it earns

≈1%International spendno cap stated

≈0.5%Transporton the first ₹20,000 of spend a cycle

≈0.25%Billson the first ₹80,000 of spend a cycle

≈0.5%Everything elseno cap stated

≈ marks a rate paid in points, converted at ₹0.25 a point: the lowest redemption value ICICI Bank documents. Some redemptions are worth more; we price at the floor, because that is what the points are worth whichever way you spend them.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Cash withdrawals and fees
Money transfers
Rent
Wallet loads
Fuel

What costs extra

Worse than earning nothing: ICICI Bank charges a fee for these.

1% on Rent pay, plus GST

Milestones

In ICICI Bank's own words:

₹3,00,000 annual spend, then every additional ₹1,00,000 → 3,000 Reward Points, then 1,500 per additional ₹1 lakh (max 15,000 per year)

Fees

Annual fee: ₹2,000, plus 18% GST
Joining fee: ₹3,000
Annual fee waived on ₹3,00,000 of spend in a card year
Foreign-currency markup: 3.5%

Where this comes from

Transcribed from ICICI Bank's own documents and checked against them on 28 August 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with ICICI Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

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Other ICICI Bank cards

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5% on Amazon.in purchases

ICICI Bank Coral Credit Card

≈0.5% on Transport

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≈14.4% on Ishop portal

ICICI Bank HPCL Super Saver Credit Card

≈5% on Bills, Groceries

ICICI Bank Platinum Chip Credit Card

≈0.5% on Transport

ICICI Bank Sapphiro Credit Card

≈1% on International spends

MakeMyTrip ICICI Bank Credit Card

6% on Hotel bookings on MakeMyTrip

Every card we have rules for