ICICI InterMiles Rubyx (Visa) Credit Card
ICICI Bank
Last updated: Feb 03, 2026
₹2,500
₹2,500
3.5%
2 visits/yr
Contents
A travel-focused co-branded credit card that rewards frequent flyers with InterMiles and provides travel-centric perks. Ideal for customers who prioritise airline miles, periodic vouchers and travel discounts. Offers a mix of accelerated earnings on travel-related spends and milestone/renewal bonuses.
Features of ICICI InterMiles Rubyx (Visa) Credit Card which makes it unique
InterMiles Program Access
Direct earn and redemption via InterMiles co-branded ecosystem
Easier flight and hotel redemptions
Better travel redemption options than generic reward cards
Renewal Miles
Bonus InterMiles on renewal
Keeps miles balance topped up annually
Useful for frequent travellers
Rewards Structure of ICICI InterMiles Rubyx (Visa) Credit Card
Milestones of ICICI InterMiles Rubyx (Visa) Credit Card
Renewal Bonus
— : 2,500 InterMiles on membership renewal (subject to T&C)
Spend Tier Benefits
Varies : Tier upgrades and additional benefits for higher spends as per InterMiles/ICICI programs
Fees & Charges of ICICI InterMiles Rubyx (Visa) Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,500 |
| Annual Fee | ₹2,500 |
| 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:Renewal benefits and annual fee waivers depend on membership tier and qualifying spends as per issuer terms.
Fee Explanation Standard issuer fees and interest apply for overdue amounts and cash transactions as per the card's MITC.
Detailed Explanation of ICICI InterMiles Rubyx (Visa) Credit Card Fees
Joining Fee: ₹2,500 (one-time)
Welcome benefits issued after realisation of joining fee; exact fee may vary by offer.
Annual Fee: ₹2,500 (yearly)
Annual fee may be waived or reduced based on bank offers or high spend criteria.
Forex Markup: 3.5% (transaction)
Applies on foreign currency transactions.
Lounge Access Benefits with ICICI InterMiles Rubyx (Visa) Credit Card
domestic Lounges
silverVisits per year: 2
Guest access: No
Complimentary domestic lounge access subject to issuer offers and partner network.
Insurance Coverage with ICICI InterMiles Rubyx (Visa) Credit Card
Travel Insurance
₹5,00,000Coverage subject to issuance and travel fulfilment conditions; check issuer MITC.
Purchase Protection
₹50,000Valid for specified period after purchase; T&Cs apply.
Additional Features of ICICI InterMiles Rubyx (Visa) Credit Card
Contactless Payments
Tap-and-pay enabled for faster checkout
Add-on Cards
Add-on cards available subject to bank policy
Fees may apply for add-on cards in some offers.
Welcome Bonus with ICICI InterMiles Rubyx (Visa) Credit Card
Welcome Bonus: 5,000 InterMiles vouchers.
Bonus Conditions: Welcome InterMiles and vouchers delivered within 45 days after payment of joining fee; new customers only; T&Cs apply.
Application Process for ICICI InterMiles Rubyx (Visa) Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via issuer or partner portal
Upload KYC documents
Receive verification call or message
Card dispatched within 5–7 business days after approval
Required Documents for ICICI InterMiles Rubyx (Visa) Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
ICICI InterMiles Rubyx (Visa) Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for ICICI InterMiles Rubyx (Visa) Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹20,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have valid PAN and Aadhaar; card issuance subject to bank verification and internal eligibility checks.
How Approval Is Decided
- Minimum income as per issuer slab
- Indian resident
- Credit score above issuer threshold
Pros of ICICI InterMiles Rubyx (Visa) Credit Card
- Good InterMiles earn for travel bookings
- Welcome and renewal InterMiles
- Useful travel vouchers via InterMiles portal
Cons of ICICI InterMiles Rubyx (Visa) Credit Card
- Joining/renewal fees apply
- Forex markup higher than ultra-premium travel cards
- Benefits best when booked via InterMiles channel
Frequently Asked Questions about ICICI InterMiles Rubyx (Visa) Credit Card
What is the welcome benefit?
New cardholders receive a welcome pack of 5,000 InterMiles plus flight and hotel discount vouchers after payment of the joining fee.
How much is the joining fee and annual fee?
Typical joining fee is ₹2,500 and annual fee is ₹2,500; offers may vary—check the issuer for current pricing.
How can I earn more InterMiles?
Earn accelerated miles on bookings through the InterMiles portal and on select promotional categories as advertised by the issuer.
Is there lounge access?
Complimentary domestic lounge access may be available subject to card variant and issuer offers—confirm at booking.
What are the foreign transaction charges?
Foreign currency markup typically around 3.5% on international transactions.
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