Key Features & Benefits
- ✦2 Reward Points per ₹100 on domestic spends (Mastercard)
- ✦4 Reward Points per ₹100 on international spends (Mastercard)
- ✦3 pts/₹100 domestic & 6 pts/₹100 international (Amex variant)
- ✦2 complimentary domestic lounge visits per quarter (8/year)
- ✦25% off on movie tickets, Buy 1 Get 1 at BookMyShow
- ✦1 complimentary golf round per month at premier courses
- ✦24×7 concierge services
- ✦ICICI Bank Culinary Treats — dining privileges
- ✦Complimentary roadside assistance
- ✦Annual fee waiver on ₹3L annual spend
- ✦Fuel surcharge waiver on ₹400–₹4,000 transactions
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Welcome & Joining Benefits
- ✦Travel & shopping gift vouchers worth ₹5,000 on card activation
Milestone Benefits
- ✦₹3L annual spend → ₹2,000 annual fee waived
Pros & Cons
✓ Advantages
- ✓Good movie benefits — BookMyShow BOGO
- ✓Golf access at premier courses — rare at this fee
- ✓Amex variant gives 3X domestic (better than standard 2X)
- ✓Annual fee waiver achievable at ₹25K/month spend
- ✓Dual network option (MC + Amex)
✗ Disadvantages
- ✗Only 2 lounge visits/quarter — lower than Sapphiro
- ✗3.5% forex markup — not suitable for international use
- ✗Low base reward rate (2X) on Mastercard domestic
Frequently Asked Questions
How does Rubyx compare to Sapphiro?▼
Sapphiro gives 6X rewards, 4 lounge visits/quarter, 2 free movies/month, and 2 international lounge visits vs Rubyx's 2X rewards, 2 lounge visits/quarter, and BOGO movies. Sapphiro is more rewarding but costs ₹3,500/year vs ₹2,000/year for Rubyx.
Is the golf benefit truly free?▼
Yes, 1 complimentary golf round per month is included. After the free monthly quota, additional rounds are chargeable at the respective course's green fee rates.
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