# ICICI Bank Rubyx Credit Card Mastercard


**Best for:** Frequent domestic travelers and spenders

**Think twice if:** Low spenders or infrequent travelers

**Key strengths:** Earn up to 15000 Reward Points annually · 2 Complimentary Domestic Lounge Access quarterly · 1 Reward Point per Rs.100 on utilities

## Fees

- **Joining Fee:** Joining Fee - Rs.3000
- **Annual Fee:** Second Year Onwards Annual Fee of Rs.2000
- **Fee Waiver:** Spend Rs.3 Lakh For Waiver of Annual Fee
- **Forex Markup:** 3.50% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** Earn 1 Reward Points per Rs.100 on Utilities
- **Welcome Benefit:** Welcome Vouchers - Worth Rs.5000 Plus
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- **Milestone Benefits:** Array

## Lounge Access

- **Domestic:** Enjoy 2 Complimentary Domestic Lounge Access Per Quarter

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