ICICI Bank Rubyx Credit Card

Lounge access

• Domestic airport lounge access: 2 complimentary visits per quarter, unlocked by spending ₹75,000 or more in the preceding calendar quarter (benefit applies to primary Cardholder only; for dual card variants, 2 domestic lounge visits per quarter for each variant).
• Railway lounge access: available to primary cardholders on presenting valid card and railway ticket (2 per quarter per Rubyx card variant; Rubyx eligible), at 21 railway stations.
• An authorisation amount of ₹2 is taken on each eligible card at the lounge entrance (Re. 1 on AMEX variants).

Verified · ICICI Bank Rubyx Credit Card product page · 2026-08-03 · source

Forex markup

• 3.50% mark-up on foreign currency transactions.
• A refund initiated by the customer on similar Foreign Currency transactions will also attract a 3.5% mark-up fee.

Verified · MITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current) · 2026-08-03 · source

Charge

• Finance charges (w.e.f. Nov 15, 2024): 3.75% per month (45% p.a.) on revolving credit for retail and cash advances.
• APR same for retail purchases, balance transfer, cash advances, non-payment of MAD and late payment.
• Cash advance transaction fee: 2.5% on advanced amount (min ₹500).
• Card replacement fee: ₹100 (₹200 w.e.f. July 1, 2024; ₹199 for Expressions).
• Dynamic Currency Conversion Fee: 1% (3.5% w.e.f. Jan 15, 2026) on transactions in INR at international locations or at India merchants registered abroad.
• Rent Pay: 1% (MCC 6513).
• Fuel transaction fee: 1% for fuel transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024).
• Utility transaction fee: 1% for utility payments exceeding ₹50,000 (w.e.f. Nov 15, 2024).
• Transportation transaction fee: 1% on transactions exceeding ₹50,000 (w.e.f. Jan 15, 2026).
• Education payment fee: 1% for education payments via third-party apps (w.e.f. Nov 15, 2024).
• Skill-Based Gaming: 2% (w.e.f. Jan 15, 2026, MCC 5816).
• Wallet Load: 1% for wallet loads of ₹5,000 or more (w.e.f. Jan 15, 2026, MCC 6540).
• Over-limit charges: 2.5% of over-limit amount (min ₹550).
• Fee on cash payment at branches: ₹100 (₹150 w.e.f. Jan 15, 2026).
• Late payment charges (w.e.f. Nov 15, 2024): None below ₹100.
• ₹100 (₹100-500).
• ₹500 (₹501-1,000).
• ₹600 (₹1,001-5,000).
• ₹750 (₹5,001-10,000).
• ₹900 (₹10,001-25,000).
• ₹1,100 (₹25,001-50,000).
• ₹1,300 (above ₹50,000).
• Return of cheque / Auto-Debit return fee: 2% of Total Amount Due (min ₹500) plus ₹50+GST.
• Supplementary/Add-On Card fee: ₹199 (annual, w.e.f. Nov 15, 2024).
• GST 18% applicable.

Verified · MITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current) · 2026-08-03 · source

Interest-free period

• Interest-free period could range from 18 to 48 days.
• A grace period of 3 days is given after the payment due date.

Verified · MITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current) · 2026-08-03 · source

Fuel surcharge waiver

• Fuel surcharge waiver of 1% of transaction value on HPCL petrol pumps (valid on max transaction of ₹4,000 when paid via ICICI Merchant Services swipe machines) and 1% on all petrol pumps on select cards.
• Waiver applicable for spends up to ₹50,000 per statement cycle (w.e.f. Nov 15, 2024).

Verified · MITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current) · 2026-08-03 · source

Milestone benefit

• BookMyShow offer (w.e.f. Jan 15, 2026): enjoy the offer by spending ₹25,000 or more in the preceding quarter.
• The cycle repeats every quarter.
• ICICI Bank Rubyx Credit Card is among the eligible cards.

Verified · MITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current) · 2026-08-03 · source

Redemption value

• Redemption Handling Fee (plus GST) per redemption request: ICICI Bank Rewards Scheme ₹99.
• Mine Cash Statement Credit Redemptions ₹99.
• Mine Cash Catalogue Based Redemptions ₹25.
• For ICICI Bank Rewards powered scheme: Catalogue Based Redemptions ₹99.
• Online and in-store redemptions at Online Partner Brands ₹25.
• Reward points have expiry of 36 months from date of issuance.

Verified · MITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current) · 2026-08-03 · source

Reward cap

• Reward Points accrued per statement cycle capped for certain MCCs (w.e.f. Nov 15, 2024) for ICICI Bank Rubyx Credit Card: Utility spend ₹80,000, Insurance spend ₹80,000, Grocery and Departmental spend ₹40,000.
• Transportation transaction capped at ₹20,000 per statement cycle (w.e.f. Feb 01, 2026).

Verified · MITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current) · 2026-08-03 · source

Reward exclusion

Verified · MITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current) · 2026-08-03 · source

Concierge

24/7 concierge service (iAssist) available on 1800-26-70731 (toll free for MTNL/BSNL lines) or 022-67872016, for assistance including online bookings.

Verified · ICICI Bank Rubyx Credit Card product page · 2026-08-03 · source

Golf benefit

• One complimentary round or lesson of golf for every ₹50,000 spent on retail purchases in the previous calendar month, up to a maximum of 2 rounds per month.
• Benefit booked through the Golftripz website.

Verified · ICICI Bank Rubyx Credit Card product page · 2026-08-03 · source

Travel benefit

• Railway lounge access programme: complimentary railway lounge access at participating stations for ICICI Bank Rubyx Credit Card (primary cardholders only).
• Requires presenting valid eligible card plus valid railway ticket.
• Includes 2-3 hours lounge stay, food/beverages, free Wi-Fi, newspaper/magazine.
• An authorisation amount of ₹2 is taken at entrance.

Verified · harvested from product page · 2026-08-03 · source

Insurance

• Coverage for Rubyx cardholders (Policy 4049/418250307/00/000): Personal Accident due to Air (Death only) ₹1,00,00,000.
• Plane Hijacking ₹1,00,000.
• Credit Shield ₹50,000.
• Loss of Checked in Baggage ₹84,000.
• Card Liability Cover (Lost Card / Counterfeit/Skimming/Phishing / Online Fraud) ₹50,000.
• Loss of Passport and travel documents ₹35,000.
• Baggage Insurance ₹25,000.
• Delay of Checked in Baggage ₹21,000.
• Missing Connecting International Flight ₹21,000.
• Delay in Flight ₹17,500.
• Air accident insurance applies only if card used at least once in 60 days prior to event.
• Covers international travel only where tickets purchased on the Card.
• Primary cardholders only.

Verified · harvested from product page · 2026-08-03 · source

Eligibility

Cash limit is a sub-set of the credit limit and will be 10% of the credit limit up to a maximum of ₹20,000 for the first 180 days from date of issuance of the Credit Card, unless specified otherwise.

Verified · MITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – covers Rubyx (icicibank.com, Jul 2026 version, most current) · 2026-08-03 · source

Official terms

https://www.icici.bank.in/personal-banking/cards/credit-card/rubyx-credit-card.

Verified · ICICI Bank Rubyx Credit Card product page · 2026-08-03 · source