SwipeYield Review
A versatile mid-range card offering a dual-card experience with golf and travel perks.
LifestyleTravelGolf
ICICI Bank Rubyx Credit Card
By ICICI Bank
3.5SwipeYield Rating
Joining Fee₹3,000 + GST
Annual Fee₹2,000 + GST
Fee Waiver:
Waived on spending over ₹3 Lakhs in the previous year
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Reward TypeReward Points
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NetworkVisa, Mastercard, Amex, RuPay
Rewards
Base
0.5% (2 points per ₹100 domestic spends)
Accelerated
1% (4 points per ₹100) on international spends; Milestone points up to 15,000 annually
Lounge Access
2 domestic lounge visits per quarter (requires ₹75,000 spend in previous quarter); 2 railway lounge visits per quarter
Pros
- Multiple card networks
- Complimentary golf rounds
- High-value welcome vouchers
Cons
- Spend-based lounge access
- Annual fee is not easily waivable for moderate spenders
Eligibility
- Salaried: ₹50,000 monthly income
- Self-Employed: ₹5.5 Lakhs annual income