Route this card to lifestyle and movies spends first, then shift spillover transactions to stronger category alternatives
Skip it if
points-value realization depends on redemption choice and transfer use
Latest change: Marked partially-verified as lounge entitlement details vary across Rubyx variants and channel-specific issuance terms
For Lifestyle users looking for mixed rewards and entertainment perks. 0.3% on dining spend. ₹2,000 fee, waiver at ₹3,00,000 / year. Lounge rule: 2 visits / quarter.
Quick Overview
What matters before you apply.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Why get it
Why you should get it
Lifestyle users looking for mixed rewards and entertainment perks
Reward points across online and offline spends
Movie and entertainment privileges on partner platforms
Airport and lounge privileges via partner programs
Why skip it
Why you may regret it
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
Value depends on partner offers and redemption choices
Annual fee can reduce returns at lower spend levels
Annual Fee₹2,000Joining fee ₹3,000
Spend to Waive Fee₹3,00,000 / yearWaived on ₹3L annual spend
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Annual fee₹2,000
Joining fee ₹3,000
Fee waiver₹3,00,000 / year
Waived on ₹3L annual spend
Best return0.3%
Dining spend
Your spend, your value
Will this card earn its keep for you?
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year estimate after annual fee; excludes joining costs, taxes and unmodeled exclusions.
₹5K30,000/mo₹5L
Est. annual value+₹544after annual fee
Value covers the ₹2,000 annual fee
Fee waiver estimator
Adjust your spend only if you need to test whether the card pays for itself.
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Reward rate breakdown
Open the category chart when two cards are close and you need the exact spend shape.
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Reward rate by category
Earns hardest on dining — 0.25% vs 0.13% base.
Default redemption value, before fees, caps and exclusions. Points and NeuCoins may require eligible redemption channels.
Diningbest earn
0.25%
Movies
0.25%
Online
0.19%
Travel
0.19%
Basedefault
0.13%
Current Opportunities
Open the live value layer only if the card still looks strong.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Live offersNone right now
Offer availability changes often.
Best redemptionNot highlighted
Use the optimizer below for redemption math.
MilestonesNo milestone edge
No standout milestone boost highlighted.
Redemption tools
Use these only if your shortlist is down to cards where redemption value can change the decision.
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Lounge Reality
Treat lounge as real value only after the rule check passes.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
Rows mapped75 rows
55 domestic • 20 international policy count
Access rule2 visits / quarter
Card-level policy notes:
• Airport and lounge privileges via partner programs
- Source file: ICICI domestic consolidated lounge list PDF (last updated January 2026).
- Annexure 1 lists this variant with 2 complimentary domestic lounge visit(s) per quarter.
- Source terms mention authorization hold per lounge swipe (typically INR 2 on Visa/Mastercard/RuPay and INR 1 on AmEx) and guest visits are chargeable unless issuer states otherwise.
Verify latest spend criteria and guest access with issuer before travel.
Coverage sourceIssuer mapped
Mapped from issuer lounge dataset + card policy signals
Full lounge eligibility checklist
Open this to validate spend thresholds, program fit, and any conditions that can block access.
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Lounge eligibility checklist
Mapped from issuer lounge dataset + card policy signals
Lounge Spend Tracker
Threshold unknown
Check the spend threshold for ICICI Bank Rubyx Credit Card using spend in the issuer’s qualifying period.
₹0 spentAdd threshold to start tracking
Threshold check only. Confirm qualifying dates, remaining visits, card variant and airport with your issuer. Meeting this target does not guarantee lounge admission.
No spend threshold was detected from current lounge policy text. You can still track manually.
Spend threshold
Lounge access exists, but spend trigger is not explicitly listed in the current feed.
Quarter / cycle rule
Annexure 1 lists this variant with 2 complimentary domestic lounge visit(s) per quarter.
Guest access
Source terms mention authorization hold per lounge swipe (typically INR 2 on Visa/Mastercard/RuPay and INR 1 on AmEx) and guest visits are chargeable unless issuer states otherwise.
Priority Pass
International lounge access is listed; verify if this is via Priority Pass or direct network.
Airport-wise lounge locations
Open the full location map only if this card passes the lounge rule check above.
75 rows
Lounge locations
75 mapped rows available on demand
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Decision Details
Fees, exclusions and eligibility
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
FAQ & Evidence
Sources, review dates and limitations
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.
Truth Data Snapshot
Issuer-linked details for offers, redemption, lounges, and reliability status.
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Offer Truth
Joining fee₹3,000
Annual fee₹2,000
Waiver threshold₹3,00,000
Cap typenone
Cap resetnone
Last verified2026-02-13
Redemption Truth
Cash value/point₹0.25
Travel value/point₹0.25
Transfer partners0
Min redemptionNot listed
Expiry policyNot listed
Last verified2026-02-13
Lounge Truth
NetworkVisa
Domestic count55
International count20
Quarterly limit2
Airport-terminal rows75
Policy check2026-02-13
Reliability + Outcomes
Verification statusstale
Freshness days231
Source conflicts0
Applied reports0
Approval reports0
Frequently asked questions
Short answers for the usual apply, fee, reward, and lounge questions.
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Is ICICI Bank Rubyx Credit Card lifetime free?
It has an annual fee of ₹2000. Waived on ₹3L annual spend
What rewards does ICICI Bank Rubyx Credit Card offer?
Lifestyle-focused points card with movie and travel-oriented privileges.
Does ICICI Bank Rubyx Credit Card include lounge access?
ICICI Bank Rubyx Credit Card lists lounge access with 75 mapped lounge rows (55 domestic, 20 international policy count).
Who should consider ICICI Bank Rubyx Credit Card?
Lifestyle users looking for mixed rewards and entertainment perks
Sources and verification
Last verification date and how this page was assembled.
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Sources & Verification
Latest recorded check: 13 Feb 2026
Data Method: Imported issuer material and editorial research. Check dates can differ across fee, reward and lounge records; a timestamp alone does not guarantee every field is current.
