Question 1

Is ICICI Rubyx Credit Card worth the ₹2,000 annual fee?

Accepted Answer

ICICI Rubyx Credit Card has an annual fee of ₹2,000. The fee can be waived if you spend ₹3l/year. With a base reward rate of 0.5% (up to 4%), 8 domestic lounge visits, and a CardTrail Score of 4.8/10, it may suit specific spending patterns.

Question 2

What is the reward rate on ICICI Rubyx Credit Card?

Accepted Answer

ICICI Rubyx Credit Card offers a base reward rate of 0.5% on regular spends, going up to 4% on select categories. Rewards are earned as PAYBACK Points. New cardholders also get a welcome bonus of 2,000 Reward Points.

Question 3

Does ICICI Rubyx Credit Card have airport lounge access?

Accepted Answer

Yes, ICICI Rubyx Credit Card provides 8 domestic and 0 international lounge visits per year. Note: You must spend ₹75,000 per quarter to activate lounge access.

Question 4

What is the forex markup on ICICI Rubyx Credit Card?

Accepted Answer

ICICI Rubyx Credit Card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup (effective rate: 4.13%). For international spends, consider zero-forex alternatives like Scapia or IDFC First Wealth.

Question 5

ICICI Rubyx Credit Card vs Axis Atlas — which is better?

Accepted Answer

ICICI Rubyx Credit Card (CardTrail Score: 4.8/10) and Axis Atlas (Score: 9.1/10) are both premium cards. ICICI Rubyx Credit Card by ICICI has a ₹2,000 fee with 0.5% base rewards, while Axis Atlas by Axis has a ₹5,000 fee with 2% base rewards. Use our comparison tool for a detailed side-by-side analysis.

ICICI Rubyx Credit Card

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