Cardfare / Cards / ICICI Bank Rubyx Credit Card
ICICI Bank Rubyx Credit Card: rewards, caps and changes
What this card earns where, the caps that stop it, and what changed recently. Rates in the "Worth" column value one ICICI Bank Reward Points unit at ₹0.25 (gift vouchers / catalogue on icici bank rewards).
What it earns
| Where | Rate | Worth | Conditions | Source |
|---|---|---|---|---|
| ICICI iShop | 12 pts / ₹100 | 3.0% | iShop accelerated (bonus) points capped at 15,000 per month (8,000 per day); cap is on bonus points, engine applies it to total | Terms |
| Bills & utilities | 1 pts / ₹100 | 0.3% | Reward points on utility (incl. government) spends up to ₹80,000 per month | Terms |
| Tax & government | 1 pts / ₹100 | 0.3% | Reward points on utility (incl. government) spends up to ₹80,000 per month | Terms |
| Insurance premiums | 1 pts / ₹100 | 0.3% | Reward points on insurance spends up to ₹80,000 per month | Terms |
| Groceries & quick commerce | 2 pts / ₹100 | 0.5% | Reward points on grocery/department-store spends up to ₹40,000 per month | Terms |
| Trains | 2 pts / ₹100 | 0.5% | Reward points on transport MCCs (4111, 4112, 4784, 4131) up to ₹20,000 spend per month from 1 Feb 2026 | Terms |
| International spends | 4 pts / ₹100 | 1.0% | — | Terms |
| Everything else | 2 pts / ₹100 | 0.5% | — | Terms |
| Fuel | No rewards | 0% | — | Terms |
| Rent | No rewards | 0% | — | Terms |
| Wallet loads | No rewards | 0% | — | Terms |
Milestones
- 3,000 bonus RP (≈₹750) on ₹3 lakh spend in a year, then 1,500 RP (≈₹375) per additional ₹1 lakh, up to 15,000 RP a year. Rent, government and education spends don't count.
Recent changes
-
CutICICI Bank· since 1 April 2026
ICICI BookMyShow offers now need ₹25,000 spend in the prior quarter
BookMyShow benefits on Coral, Rubyx, Sapphiro, Emeralde and other eligible ICICI cards unlock only after ₹25,000 of spend in the previous spend quarter. Instant Platinum cards lost the benefit altogether.
Cards: ICICI Bank Coral Credit Card, ICICI Bank Rubyx Credit Card, ICICI Bank Sapphiro Credit Card, ICICI Bank Emeralde Credit Card
-
CutICICI Bank· since 1 February 2026
ICICI caps rewards on transport spends
Transport-category spends (rail, local transit, bus and tolls) now earn points only on the first ₹20,000 a month on Rubyx, Sapphiro and Emeralde, and ₹10,000 on Coral, Platinum and other cards. Emeralde Metal also stopped earning on government, fuel, rent, tax and wallet spends, and HPCL Super Saver insurance rewards are capped at ₹40,000 of spend.
Cards: ICICI Bank Rubyx Credit Card, ICICI Bank Sapphiro Credit Card, ICICI Bank Emeralde Credit Card, ICICI Bank Coral Credit Card
Source: Business Today
-
New feeICICI Bank· since 15 January 2026
ICICI adds fees on gaming, wallet loads and big transport spends; revises DCC
ICICI charges 2% on skill-gaming platforms, 1% on wallet loads of ₹5,000 or more, and 1% on transport-category transactions above ₹50,000. DCC markups were revised to 3.5% on most cards, 2% on Emeralde variants, 1.99% on Amazon Pay and 0.99% on MakeMyTrip Travel.
Applies across ICICI Bank's cards
Source: Business Today
Live offers for this card
- GoibiboICICI Bank· until 30 September 2026
12% off up to ₹2,000 on ₹4,000+ · card EMI only
Up to 12% off domestic flights with ICICI credit card EMI · Code ICICIEMI
Offer terms · verified 7 Aug 2026
- GoibiboICICI Bank· until 30 September 2026
12% off up to ₹10,000 on ₹10,000+ · card EMI only
Up to 12% off international flights with ICICI credit card EMI · Code ICICIINTEMI
Offer terms · verified 7 Aug 2026