ICICI Rubyx Review: Is It Worth It for Travel Rewards in 2026?
Strong All-Round card earning 4 points per ₹100 on online, with ₹2,000 annual fee.
ICICI Rubyx fee structure and eligibility
| Detail | Value |
|---|---|
| Annual fee | ₹2,000 |
| Joining fee | ₹3,000 |
| Welcome bonus | None |
| Milestone bonus | 3,000 points on ₹3,00,000 annual spend |
| Eligibility tier | Mid-range income (₹6-12L/year) |
ICICI Rubyx earn rates by spend category
| Category | Earn Rate |
|---|---|
| Travel | 2 points per ₹100 |
| Dining | 2 points per ₹100 |
| Online | 4 points per ₹100 |
| Retail | 2 points per ₹100 |
| Fuel | 1 points per ₹100 |
| Other | 1 points per ₹100 |
iShop accelerated rates
| Category | Portal Rate |
|---|---|
| Travel | 6× via iShop |
| Hotels | 12× via iShop |
| Technology | 6× via iShop |
Where ICICI Rubyx points transfer
| Program | Transfer Ratio |
|---|---|
| Singapore Airlines KrisFlyer | Check issuer portal for current ratio |
| British Airways Avios (Executive Club) | Check issuer portal for current ratio |
Transfer ratios change periodically. Always verify the current ratio on your ICICI rewards portal before initiating a transfer.
What ICICI Rubyx does well
- Solid earn rate: 4 points per ₹100 on online spends
- Transfer partners: Singapore Airlines KrisFlyer, British Airways Avios (Executive Club)
- Low annual fee of ₹2,000 for the value offered
- 2× points on all retail; 4× on international spends
- 6× points on travel & tech via iShop portal (cap 9,000 pts/month)
Where ICICI Rubyx falls short
- Poor fuel earn rate — not suitable as a primary fuel card
- Earn rate is capped — points earning limited per billing cycle
ICICI Rubyx earns across Singapore Airlines KrisFlyer and British Airways Avios (Executive Club). Pick your destination and see what your points unlock.
ICICI Rubyx frequently asked questions
What is the annual fee for ICICI Rubyx?
ICICI Rubyx has an annual fee of ₹2,000 with a joining fee of ₹3,000.
What are the best spend categories for ICICI Rubyx?
ICICI Rubyx earns the highest rewards on online spends at 4 points per ₹100. 2× points on all retail; 4× on international spends.
Which airline and hotel partners can I transfer ICICI Rubyx points to?
ICICI Rubyx points transfer to: Singapore Airlines KrisFlyer, British Airways Avios (Executive Club). Transfer ratios vary by partner — check your issuer's portal for current rates.
Who should get the ICICI Rubyx card?
ICICI Rubyx is best suited for all-round and shopping spenders. Mid-range income (₹6-12L/year).