The ICICI Rubyx Mastercard has a ₹2,000 annual fee (waived on ₹3 lakh annual spend), earns 4 reward points For Every ₹100 on International Spends (2 Reward Points on Every ₹100 Domestic Spends), includes 2 airport lounge visits a quarter and charges a 3.5% forex markup.
| Annual fee | ₹2,000 |
|---|---|
| Joining fee | ₹3,000 |
| Annual fee waived | On ₹3 lakh annual spend |
| Top reward rate | 4 reward points For Every ₹100 on International Spends |
| Base rewards | 2 Reward Points on Every ₹100 Domestic Spends |
| Lounge access | 2 airport lounge visits a quarter |
| Forex markup | 3.5% |
From issuer benefit data, checked 24 Oct 2026. Top reward rate is the card's best partner or category rate; base rewards is the general earn rate. Caps and exclusions are under Key Benefits.
Key Benefits
Live offers on this card
185 online offers across 104 brands right now, each valid for at least another 7 days. Checked 23 Oct.
- EaseMyTrip: Flat Rs.15000 Discount · till 31 Mar 2027
- Croma: Rs.14000 Discount · till 31 Oct
- ixigo: Get Upto Rs.2500 off · till 31 Oct
- Paytm: Flat Rs.750 off · till 31 Dec
- MakeMyTrip: Upto 35% Instant Discount · till 31 Oct
These are ICICI Bank's own offers and Mastercard network offers, so they apply to every ICICI Bank Mastercard card, not just this one. All ICICI Bank offers by category.
More about the ICICI Bank Rubyx Credit Card Mastercard
Is the ICICI Bank Rubyx Credit Card Mastercard worth it in 2026?
Yes, the ICICI Bank Rubyx Credit Card Mastercard is worth it in 2026 for frequent domestic and international spenders. It offers up to 4 Reward Points per Rs.100 on international spends and 2 Reward Points per Rs.100 on domestic grocery and departmental store purchases. Additionally, you can earn up to 15,000 reward points every anniversary year.
Who should get the ICICI Bank Rubyx Credit Card Mastercard?
This card is ideal for users who spend regularly on utilities, insurance, groceries, and international travel. It suits individuals who can spend Rs.3 lakh annually to waive the Rs.2000 annual fee from the second year onwards and want benefits like 2 complimentary domestic lounge accesses per quarter.
How to maximise rewards on the ICICI Bank Rubyx Credit Card Mastercard?
To maximise rewards, focus on international spends to earn 4 Reward Points per Rs.100 and domestic grocery or departmental store spends for 2 Reward Points per Rs.100. Also, ensure to spend Rs.3 lakh annually to get the annual fee waived and benefit from up to 15,000 milestone reward points every anniversary.
Is the ICICI Bank Rubyx Credit Card Mastercard better than a top competing premium card?
The ICICI Bank Rubyx Credit Card Mastercard offers competitive rewards with 4 Reward Points per Rs.100 on international spends and complimentary lounge access, making it a strong contender. However, its Rs.3000 joining fee and Rs.2000 annual fee (waivable on Rs.3 lakh spend) should be compared against specific competitor benefits to determine overall value.