What is the annual fee of the ICICI Rubyx Credit Card against Fixed Deposit?

Rs 2,000 a year, before GST. It is waived if you spend Rs 3,00,000 in a year.

What is the forex markup on the ICICI Rubyx Credit Card against Fixed Deposit?

3.5% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the ICICI Rubyx Credit Card against Fixed Deposit?

No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.

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ICICI Rubyx Credit Card against Fixed Deposit

ICICI BankLast checked 11 Oct 2026fees only

The ICICI Rubyx Credit Card against Fixed Deposit costs Rs 2,000 a year, waived if you spend Rs 3,00,000 in a year. The forex markup is 3.5%. Read from the issuer's own documents on 11 Oct 2026.

Annual fee: Rs 2,000+ GST
Fee waived at: Rs 3,00,000annual spend
Base return: —
Forex markup: 3.5%
Interest: 3.75%a month

Fees

Joining fee	Rs 3,000
Annual fee	Rs 2,000
Annual spend that waives the fee	Rs 3,00,000
Fee notes	Fees from MITC. Add-on Rs 199.

Rewards

Reward currency	ICICI Bank Reward Points
Caps	Per statement cycle, points accrue only on the first Rs 80,000 of utility spend, Rs 80,000 of insurance spend, Rs 40,000 of grocery spend and (from 1 Feb 2026) Rs 20,000 of transportation spend.
Spends that earn nothing	No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.
Points expiry	3 years from issuance

Travel and perks

Forex markup	3.5%

Charges and eligibility

Interest per month	3.75%
Late payment fee	Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)
Cash advance fee	2.5% min Rs 500
Fine-print notes	Listed in the MITC fee table; the current FD-card page offers only Instant Platinum and Coral, so availability to new applicants is unclear. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.

Questions

What is the annual fee of the ICICI Rubyx Credit Card against Fixed Deposit?: Rs 2,000 a year, before GST. It is waived if you spend Rs 3,00,000 in a year.
What is the forex markup on the ICICI Rubyx Credit Card against Fixed Deposit?: 3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the ICICI Rubyx Credit Card against Fixed Deposit?: No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.