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ICICI BankMastercard + American Express / RuPay • Mid-Tier Tier Source Verified

ICICI Bank Rubyx Credit Card Fees & MITC Charges

Dual-card power: 2 cards (Visa + Mastercard) on 1 credit limit with ₹5,000 welcome shopping vouchers and 25% BookMyShow discount.

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ICICI Bank
RuPay▶

RUBYX

•••• •••• •••• 2026

Mid-Tier
Joining Fee
₹3,000
+ 18% GST on issuance
Annual Renewal Fee
₹2,000
Total billed: ₹2,360 incl. GST
Annual Fee Waiver Spend
₹3,00,000
Waived upon reaching annual spend
Forex Markup Fee
3.5%
Effective 4.13% incl. GST

Airport Lounge Access Policy (2026 Update)

Domestic Lounge Allowance:2 visit(s) per quarter
International Lounge Allowance:None
Quarterly Spend Condition:₹50,000 in prior quarter

Official Rule: 2 complimentary domestic airport lounge visits per quarter on ₹50,000 previous quarter spend + 2 railway lounge visits.

Surcharges & Utility Caps

Fuel Surcharge:1% waiver on transactions between ₹400 and ₹4000 (up to ₹250/month).
Utility Spends:1% surcharge applies on cumulative monthly utility bill payments exceeding ₹50,000.

Key Strengths

  • •₹5,000 welcome vouchers covering shopping, travel, and lifestyle
  • •Dual card setup (Visa + Mastercard) to maximize point promotions
  • •25% discount on BookMyShow and Inox (up to ₹150 twice a month)

Limitations & Drawbacks

  • •Domestic lounge access mandates ₹50,000 prior quarter spend
  • •No international airport lounge access included
  • •₹3,00,000 spend required for annual renewal waiver
Source Provenance
Primary Authority Document:Official Issuer Most Important Terms & Conditions (MITC)
Last Verified Date:2026-08-21
Regulatory Compliance:RBI Master Direction – Credit Card and Debit Card Issuance and Conduct Directions
View Official Bank MITC Apply on Official Bank Website →

Related Intelligence Tools

• Calculate Your Net Value for this Card →• Check Airport Lounge Spend Criteria →• Compare with 0% Forex Cards →• Decode Credit Card Statement Charge →

Questions about ICICI Bank Rubyx Credit Card charges

What is the annual fee for ICICI Bank Rubyx Credit Card?

The annual fee for ICICI Bank Rubyx Credit Card is ₹2000 + 18% GST (total ₹2360). It can be waived by spending ₹3,00,000 in the preceding card anniversary year.

What is the foreign currency (forex) markup on ICICI Bank Rubyx Credit Card?

ICICI Bank Rubyx Credit Card charges a 3.5% foreign currency markup fee + 18% GST on all non-INR currency transactions and foreign merchants.

Does ICICI Bank Rubyx Credit Card offer airport lounge access in 2026?

ICICI Bank Rubyx Credit Card provides 2 complimentary domestic lounge visit(s) per quarter. Under 2026 bank rules, you must spend at least ₹50,000 in the preceding calendar quarter to unlock complimentary access.