Joining Fee:
Apply Now₹3000 +GST
Return Percentage:0.5% to 1%
Credit Card Overview
A Rubyx RuPay variant providing strong domestic acceptance, lifestyle rewards, and milestone vouchers for everyday users.
Best Suited For: Catalogue Products, Experience, Travel Booking, Hotel Transfer
ICICI
Fees and charges at a glance
- Annual fee
- ₹2,000
- Joining fee
- ₹3,000
- Reward rate
- 0.5% to 1%
- Forex markup
- 3.5%
- Interest rate
- 45% p.a.
- Add-on card
- ₹199
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
ICICI Rubyx (Rupay) credit card — Earn Categories
Other categories
- InternationalInternational · International4 reward points / ₹100
A maximum of 15,000 Reward Points can be earned per year.
- EducationEducation · Education2 reward points / ₹100
1% charge on this category
Everyday rate
- Base Rewards2 Reward Points (reward points) / ₹100
6 more earning categories on this card
We track all 9 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Skill Based Gaming
- Rent
- Wallets
- Jewellery
- Fuel