ICICI Rubyx Credit Card Review (2026)
ICICI's premium card for dining and shopping enthusiasts. 8x on restaurants, 6x on Amazon/Flipkart, with 8+4 lounge visits.
Last updated: 2026-03-27· By PointsWallah Editorial
Fee Details
| Annual Fee | ₹3,000 |
| Joining Fee | ₹3,000 |
| Fee Waiver | Spend 3.5L in a year |
| Income Required | ₹10L/year |
| Network | Visa |
| Fuel Surcharge Waiver | Yes |
Reward Rates
Currency: ICICI Reward Points
Milestone Benefits
3,500 bonus reward points on spending 3.5L
Lounge Access
Our Review
The Rubyx positions itself between the Coral and Sapphiro in ICICI's lineup, and it's actually the best choice for most ICICI customers. The 8x on dining beats the Sapphiro's flat 4x for restaurant spending, and the 6x on Amazon/Flipkart is a meaningful boost for online shoppers. If your spending is heavily tilted toward food and online shopping (which describes most urban Indians), the Rubyx can outperform the Sapphiro in total rewards earned. The catch is the slightly higher 3.5L fee waiver vs Regalia's 3L. For ICICI salary account holders, this is often the card the bank offers first as a premium upgrade, and it's worth accepting.
Pros & Cons
Pros
- + 8x on dining — one of the highest dining earn rates at this tier
- + 6x on Amazon and Flipkart online shopping
- + Solid lounge access (8 domestic + 4 international)
- + ICICI Culinary Treats program included
Cons
- - 3,000 annual fee is on par with Regalia for arguably fewer benefits
- - ICICI reward point redemption options are less flexible than HDFC
- - 3.5L fee waiver threshold is higher than Regalia's 3L
- - 4 international lounge visits is less than Sapphiro's 6
Best For
Frequently Asked Questions
Is the ICICI Rubyx Credit Card worth it in 2026?
It depends on your spending. The ICICI Rubyx Credit Card costs ₹3,000/year (waiver: Spend 3.5L in a year). With an effective base return of 1.2%, you'd need to spend approximately ₹2.5L per year just to break even on the fee. If your annual spend exceeds that, the card earns you money.
What is the ICICI Rubyx Credit Card annual fee?
The ICICI Rubyx Credit Card has an annual fee of ₹3,000. Joining fee is also ₹3,000. Fee waiver: Spend 3.5L in a year.
What is the minimum salary required for ICICI Rubyx Credit Card?
The minimum annual income required for the ICICI Rubyx Credit Card is ₹10L. However, if you have an existing banking relationship with ICICI Bank, you may get approved at a lower income level.
Disclaimer: This review is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on ICICI Bank's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial assessment.