Key Benefits
More about the ICICI Bank Rubyx Credit Card Mastercard
Is the ICICI Bank Rubyx Credit Card Mastercard worth it in 2026?
The ICICI Bank Rubyx Credit Card Mastercard offers strong rewards with up to 4 Reward Points per Rs.100 on international spends and 2 Reward Points on domestic grocery and departmental store purchases. With a joining fee of Rs.3000 and an annual fee waiver on spending Rs.3 lakh, it remains a valuable card for frequent spenders in 2026.
Who should get the ICICI Bank Rubyx Credit Card Mastercard?
This card is ideal for users who spend regularly on utilities, groceries, insurance, and international travel. It suits individuals who can leverage the 2 complimentary domestic lounge accesses per quarter and aim to earn up to 15,000 reward points annually.
How to maximise rewards on the ICICI Bank Rubyx Credit Card Mastercard?
Maximise rewards by focusing on international spends to earn 4 Reward Points per Rs.100 and domestic grocery or departmental store purchases for 2 Reward Points per Rs.100. Additionally, utilising the card for utilities and insurance expenses earns 1 Reward Point per Rs.100, helping accumulate points faster.
Is the ICICI Bank Rubyx Credit Card Mastercard better than a top competing premium card?
The Rubyx card offers competitive rewards on international and domestic spends along with 2 complimentary domestic lounge accesses per quarter. While the joining fee is Rs.3000 and annual fee Rs.2000 (waived on Rs.3 lakh spend), its value depends on your spending pattern compared to other premium cards with higher fees but different benefits.