Rubyx Credit Card

Who Rubyx is really for

Rubyx makes sense for two kinds of people: someone ICICI offers it to lifetime free, and someone who will put ₹3 lakh a year on it. For everyone else, ₹3,540 to join and ₹2,360 a year after that buys a card that earns about 0.5% on daily spends, if a point is worth about ₹0.25.

Rubyx lounge access: the ₹75,000 gate

This is what most people search for, and the rule is stricter than older posts suggest. You get 2 domestic airport lounge visits per quarter, but only if you spent ₹75,000 or more in the preceding quarter. No spend, no lounge.

Two other points:

• Railway lounges: 8 visits a year, with no spend condition listed. Users appreciate this part.
• International lounges: none appear in the bank details we checked. Ignore pages that promise them.

Before you leave for the airport, check last quarter's spend in the iMobile app.

Visa + RuPay or Mastercard + Amex?

Rubyx comes as two cards on one account. Fees, earn rates and lounge rules are the same on both. Users report two pairings: Visa with RuPay, and Mastercard with American Express. Pick the RuPay pairing if you want to pay merchant UPI codes on credit. Pick the Amex pairing if you want Amex-only merchant offers. Our data does not confirm which pairings ICICI issues today, so check your offer.

What ₹3 lakh a year earns

You earn 4 points per ₹100 abroad, 2 per ₹100 at home and 1 per ₹100 on utilities and insurance. At about ₹0.25 a point, that is roughly 1%, 0.5% and 0.25%.

The milestones do the heavy lifting. Spend ₹3 lakh in a year and you get 3,000 bonus points, then 1,500 more for each extra ₹1 lakh, up to 15,000 a year. So ₹3 lakh of domestic spend earns 6,000 base points plus 3,000 bonus, about ₹2,250, and the ₹2,000 annual fee is waived too. At ₹1.5 lakh, you earn about ₹750 and pay ₹2,360 to renew.

Users report a ₹99 + GST fee per redemption, so redeem in large batches. In year one, the welcome travel vouchers worth ₹5,000+ from EaseMyTrip, Avis and Elivaas cover the joining fee if you use those brands anyway.

Smaller perks: up to 2 golf rounds a month, Culinary Treats dining discounts, and 25% off movie tickets up to ₹150 twice a month. From 1 April 2026, the BookMyShow offer needs ₹25,000 of spend in the previous quarter.

Take it free, pay only at ₹3 lakh

Take it if it is lifetime free. Users report such offers through workplace and ICICI Alumni channels. It is a useful side card for ICICI sale discounts that co-brand cards often miss, and for railway lounges.

Do not pay for it unless you will clear ₹3 lakh a year. If you hold a lifetime free ICICI Coral, users say keep it rather than upgrade, partly because upgrades may not raise your limit. Our Rubyx Reddit review has the longer version.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva