Eligible spend
2 points per ₹100 on eligible spend
ICICI AMEX
Rubyx American Express
Card summary
Card fees ₹3,000 to join From year 2 · ₹2,000 / year
Rewards 2 pts / ₹100
Lounge access 2 per quarter · ₹75,000 spend in the previous calendar quarter
Forex markup 3.5% high
Compare with Axis Bank Privilege →
Similar lounge profile
What it costs to get, and to keep
Joining vs renewalFirst year
₹3,000joining fee
From year 2
₹2,000renewal fee
Waived above ₹3,00,000 eligible annual spend
Welcome offer
Issuer lists benefits worth over ₹5,000
Tata CLiQ · EaseMyTrip · Tata Croma · EaseMyTrip Holiday Packages · EazyDiner
Qualification and fulfilment conditions apply
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend2 pts / ₹100Credited as reward pointsDoes not earn on Not stated
- fuel
How to avoid the annual fee
Spend threshold for waiver Above ₹3L annual eligible spend required for the waiver
Annual fee is ₹2,000. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getPoint value
Not published by issuer — varies by redemption
No reward on
- Fuel
Realisation
Credited as reward points
Costs & fees
Eligibility
Applicant class · age · incomeReported criteria · as stated by sources
Salaried applicant
- Monthly income
- Above ₹75,000
Issuer-stated · not yet decision-readyIssuer source
Self-employed applicant
- Annual personal income
- Above ₹9,00,000
Issuer-stated · not yet decision-readyIssuer source
Evidence only · excluded from decisions
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Annual fee waiver₹3,00,000yearAnnual fee waiver
Domestic lounge spend gate₹75,000quarterLounge eligibility
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
- Reward point value isn't clearly documented yet, so overall returns may vary.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Up to ~1,000 pts/month if the entire spend qualifies for base earn · uses base/general earn rate. Excluded transactions earn less.
- We can estimate the points earned, but not a verified ₹ value yet.
- Fee waiver achievable at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- 2 per quarter Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
- International (cardholder)
- Not included on base card No international lounge access.
Rewards
- Points per ₹100
- 2 points per ₹100 value depends on redemption
- Point validity
- Points expire 3 years after earning
Insurance Cover
- Air accident cover
- ₹1 crore · verified 6 Jul 2026
- Lost card liability cover
- ₹50,000 · verified 6 Jul 2026
- Underwriter
- Insured by ICICI Lombard General Insurance Company Limited · verified 7 Jul 2026
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹2,000
- Joining fee
- ₹3,000 · verified 3 Sept 2026
- Fee waiver spend
- Above ₹3,00,000 · verified 3 Sept 2026 Annual fee waived on eligible anniversary-year spend above ₹3,00,000.
- Interest-free period
- Up to 48 days · verified 7 Jul 2026
- Late-payment charge
- ₹100–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.
International Use
- Forex markup
- 3.5%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- ICICI official page
- CardInsider
- Card Maven
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
- Product tier
- Mid-tier
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹4,000.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshExclusions
These spends do not earn reward points.
Financial
- Fuel
Latest update
- Annual fee: ₹2,000.
- Forex markup currently listed at 3.5%.
- 2 per quarter domestic lounge · ₹75,000 spend in the previous calendar quarter.
Common questions
From verified card factsIs this good for lounge access?
2 per quarter domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Fee waiver applies above ₹3,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
Issuer lists a welcome benefit over ₹5,000. Included items: Tata CLiQ — Illustrative verified item from issuer page bundle; issuer wording indicates additional items., EaseMyTrip — Illustrative verified item from issuer page bundle; issuer wording indicates additional items., Tata Croma — Illustrative verified item from issuer page bundle; issuer wording indicates additional items., EaseMyTrip Holiday Packages — Illustrative verified item from issuer page bundle; issuer wording indicates additional items., EazyDiner — Issuer page lists EazyDiner in the welcome bundle without a verified scalar amount. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Learn more
Guides matched to this card — not a random syllabus.
- How reward rate works
Pts / ₹100 without the marketing fog - Billing cycle
Statement date vs due date, clearly - How interest works
The real cost of paying the minimum