Rubyx
Base Rate
0.5%
Forex Markup
3.5%
Joining Fee
₹3,000
Milestones
1
💳 Fee Structure
🧮 Reward Calculator
Monthly Spending Breakdown
Net Annual Value
+₹1,238
After ₹2,000 annual fee deduction
Base Rewards
₹488
Forex Net
+₹0
Milestones
₹2,750
Milestone Progress
Renewal fee of ₹2,000 waived + 3,000 bonus points (worth ₹750) on spending ₹3L
Spend ₹3L annually
📝 Detailed Review
The CardVault Verdict
The ICICI Rubyx Credit Card is a mid-tier lifestyle credit card. It is highly popular due to its movie ticket discounts and railway lounge access. However, its poor 0.5% base reward rate and spend-gated domestic lounge visits (₹75k/quarter) make it less attractive compared to competitive cards like Millennia or SBI Cashback.
Who Should Apply?
Best for beginners who want railway lounge benefits, movie ticket BOGO offers, and can get the annual fee waived at ₹3L spends.
Lounge Access
Spend-Based Access
Spend ₹75,000/quarter to unlock
Required threshold to activate lounge visits
Visits / Year
16visits
Supported Networks
Additional Notes
2 domestic visits per quarter (spend-gated: min ₹75k in previous quarter) + 8 complimentary railway lounge visits per year.
⚖️ Pros & Cons
✓Pros
- •Welcome vouchers worth ₹5,000+ offset the ₹3,000 joining fee
- •Buy-one-get-one movie offer (up to ₹150 off) twice a month via BookMyShow/INOX
- •Includes 8 complimentary railway lounge visits per year
- •Includes up to 2 complimentary golf rounds per month
✗Cons
- •Domestic lounge access is spend-gated at a high ₹75,000 per calendar quarter
- •Movie and entertainment benefits require a minimum quarterly spend of ₹25,000
- •Poor reward rate (0.50% base return) and high 3.5% forex markup fee
Historical Changes
Track record of card modifications
Movie discount spend requirement introduced
BookMyShow and INOX movie ticket discount was gated behind a ₹25,000 quarterly spend requirement.