ICICI Bank Rubyx

Fees

Waiver: First-year fee is charged upfront; from the second year onwards the ₹2,000 renewal fee is waived if annual spend in the preceding 12 months was ₹3,00,000 or more.

Rewards

Perks

• ✓Domestic lounge access: 8/yr2 complimentary domestic airport lounge visits per quarter (primary cardholder only), unlocked by spending ₹75,000 or more on the card in the preceding calendar quarter; plus 8 complimentary railway lounge visits per year (2 per quarter at select stations), which sources do not tie to a spend condition.
• ✓Fuel surcharge waiver: 1%Applies on transactions between ₹400 and ₹4,000. ICICI's own Rubyx-specific page states only this per-transaction range; no aggregate monthly/statement-cycle cap is confirmed for this card (a ₹400/cycle figure appears in ICICI's cross-portfolio boilerplate for other cards, but wasn't independently confirmed here, so it's deliberately left out).
• ✓Forex markup: 3.5%
• ✓Concierge service
• ✓Up to 2 complimentary golf rounds or lessons per month, earned at 1 round/lesson per ₹50,000 of retail spend in the preceding calendar month (max 2/month)
• ✓Air accident cover: ₹1 crore (primary cardholder, for international air tickets purchased on the card)
• ✓Lost card liability cover: ₹50,000
• ✓4 Reward Points per ₹100 on international spends vs 2 per ₹100 on domestic spends (fuel transactions earn no points)
• ✓1 Reward Point per ₹100 on utility and insurance bill payments
• ✓Milestone bonus: 3,000 points on ₹3 lakh annual spend, plus 1,500 points per additional ₹1 lakh, capped at 15,000 milestone points/year
• ✓Reward points redeemable against statement balance or gifts at a rate of 1 point = ₹0.25; a redemption fee of ₹99 + GST applies per redemption request
• ✓24/7 concierge (i-Assist) for travel, dining and lifestyle bookings