ICICI Rubyx Credit Card
ICICI · Premium · Visa/MC
Annual Fee
₹5,000
Fee Waiver
₹3L annual spend
Lounge Access
4/year
Best Rate
0.5%
Network
Visa/MC
⚠️ Data being verified
Reward Rates by Category
🍽️Dining
0.5%
✈️Travel
0.5%
🛒Online Shopping
0.5%
🥦Groceries
0.5%
🎬Entertainment
0.5%
🛍️Shopping
0.5%
💡Utilities
0.25%
⛽Fuel
0%
How Points Work
2 pts/₹100 retail (0.5%), 1 pt/₹100 utility (0.25%) · 1pt = ₹0.25 · 2,500 welcome points
🚀 Boosted Rates (Partners & SmartBuy)
BookMyShowBuy 1 Get 1
EazyDiner15% discount
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
BookMyShow BOGOEazyDiner 15% off4 lounge visits/yr2,500 welcome points
PROS
✅ Movie BOGO
✅ Dining discounts
✅ Decent lounge access
CONS
⚠️ ₹5,000 fee is high for 0.5% rate
⚠️ Low utility rate
⚠️ Better options available at lower fees
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