ICICI Intermiles Rubyx (Rupay) Credit Card
ICICI Bank
Last updated: Feb 03, 2026
₹2,000
₹3,000
3.5%
16 visits/yr
Contents
A travel-and-lifestyle focused co-branded card that earns InterMiles on everyday spends. Ideal for frequent flyers who want lounge access, welcome vouchers and accelerated miles on travel and partner spends. Offers concierge services, movie discounts and milestone rewards.
Features of ICICI Intermiles Rubyx (Rupay) Credit Card which makes it unique
InterMiles Co-branding
Direct earning of InterMiles and partner benefits.
Better redemption value for flights and travel vouchers.
Stronger travel value vs generic reward cards
Welcome Vouchers
Tata CliQ, EaseMyTrip, Croma and EazyDiner vouchers on joining fee payment.
Immediate value on joining
Higher initial voucher value than many mid-tier cards
Rewards Structure of ICICI Intermiles Rubyx (Rupay) Credit Card
Milestones of ICICI Intermiles Rubyx (Rupay) Credit Card
Quarterly Lounge Eligibility
₹75,000 per quarter : Domestic lounge access for next quarter
Annual Spend Waiver
₹300,000 per year : Annual fee waiver for next year
Fees & Charges of ICICI Intermiles Rubyx (Rupay) Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹3,000 |
| Annual Fee | ₹2,000 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 3.75% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 4% |
Renewal Conditions:Annual fee waived on eligible spends (refer to issuer T&Cs).
Fee Explanation Standard bank fees apply. Joining and annual fees are plus GST; fee waivers tied to spend thresholds per issuer T&Cs.
Detailed Explanation of ICICI Intermiles Rubyx (Rupay) Credit Card Fees
Joining Fee: 3000 + GST (one-time)
Joining fee payable at issuance; welcome vouchers delivered after payment.
Annual Fee: 2000 + GST (yearly)
Waiver available on meeting specified annual spend threshold.
Forex Markup: 3.5% (transaction)
Applies to international transactions.
Lounge Access Benefits with ICICI Intermiles Rubyx (Rupay) Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Domestic lounge access eligibility tied to quarterly spends; primary cardholder only.
domestic Lounges
silverVisits per year: 8
Guest access: No
Select railway lounge accesses subject to terms.
Insurance Coverage with ICICI Intermiles Rubyx (Rupay) Credit Card
Air Accident Insurance
₹1,00,00,000Coverage applicable if card used to purchase travel ticket and other T&Cs apply.
Purchase Protection
VariesPurchase protection per issuer terms and timelines.
Additional Features of ICICI Intermiles Rubyx (Rupay) Credit Card
Contactless Payments
Tap-and-pay enabled for faster checkout.
Add-on Cards
Supplementary cards available as per bank policy.
Welcome Bonus with ICICI Intermiles Rubyx (Rupay) Credit Card
Welcome Bonus: 5,000 InterMiles.
Bonus Conditions: Welcome bonus awarded after successful payment of joining fee; renewal bonus 2,500 InterMiles on renewal; welcome vouchers worth over ₹5,000 may apply per ICICI terms.
Application Process for ICICI Intermiles Rubyx (Rupay) Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via ICICI / Finanjo portal
Upload KYC documents
Receive verification call or SMS
Card dispatched as per bank timelines
Required Documents for ICICI Intermiles Rubyx (Rupay) Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
ICICI Intermiles Rubyx (Rupay) Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted at RuPay-enabled merchants
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for ICICI Intermiles Rubyx (Rupay) Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹75,000
Minimum annual income
Self-Employed Applicants
₹900,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar required; subject to bank eligibility checks.
How Approval Is Decided
- Minimum age 21 years
- Resident Indian
- Credit score and income as per bank policy
Pros of ICICI Intermiles Rubyx (Rupay) Credit Card
- Good InterMiles earning potential for travel
- Welcome vouchers and renewal bonuses
- Lifestyle and travel partner offers
Cons of ICICI Intermiles Rubyx (Rupay) Credit Card
- High joining and annual fees (plus GST)
- Higher forex markup compared with some premium travel cards
Frequently Asked Questions about ICICI Intermiles Rubyx (Rupay) Credit Card
What is the joining fee and annual fee?
Joining fee is ₹3,000 + GST; annual fee is ₹2,000 + GST. Fee waivers apply on meeting spend thresholds.
How many InterMiles do I get as a welcome bonus?
You get 5,000 bonus InterMiles on joining (after successful payment of the joining fee).
How do I earn InterMiles on spends?
Earn InterMiles/ICICI reward points on retail spends; accelerated miles apply for flights/partner bookings as per variant rules.
What lounge access does the card provide?
Domestic lounge access and select railway lounge access are available subject to quarterly spend criteria (e.g., ₹75,000 per quarter for domestic lounges).
What is the forex markup on international transactions?
Forex markup is 3.5% on foreign currency transactions (issuer charge).
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