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ICICI Bank

ICICI Rubyx

AmexMastercardMidPoints
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Annual Fee

₹2,000

Reward Type

Points

Forex

3.5%

Lounge

2 dom · 0 intl

Full Spec Sheet

Normalized · Verified

Fees

Joining Fee₹3,000
Annual Fee₹2,000(waived ≥ ₹3,00,000)
Min Monthly Income₹50,000

Rewards

Reward TypePoints
Base Rate0.5%
Point Value₹0.25/point

Redemption Values

vouchers₹0.25/pt

Travel & Global

Forex Markup3.5%
Domestic Lounge2 visits/yr
Intl. LoungeNone
Lounge NetworkDreamfolks
Lounge Spend Req.₹5,000 Quarterly

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

ICICI Sapphiro (99%) →ICICI Coral (97%) →Kotak League Platinum (97%) →ICICI Manchester United Platinum (97%) →IDBI Bank Royale Signature (97%) →

💡 Fee Waiver Strategy

Often LTF for salaried accounts.

⚖️ Breakeven Analysis

To recover the ₹2,000 annual fee at the base reward rate of 0.5%, you need to spend ₹4,00,000 annually.

🎯 Pro Tips

  • ▸Decent for movie tickets (BOGO).

🏷️ Best For

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