Best way to redeem 10k reward points in my icici RuByx card ?

I have 10k reward points in my icici RuByx master card . Other than opting for amazon pay git card , what would be the better way to redeem? I also have one Amex card for the same which I haven't used so far.

By Supriyo Mondal₹0NARubyx (Mastercard)

Best way to redeem 10k reward points in my icici RuByx card ?

Rewardly Expert

Here are practical ways to redeem 10,000 ICICI Rubyx Reward Points (beyond Amazon Pay gift cards), with a simple playbook:
Best value (usually): redeem on ICICI iShop for travel — iShop allows up to 100% reward point redemption on flight/bus bookings (as per the iShop portal).
Example (flight booking): Flight fare ₹5,000 → redeem 5,000 points at checkout → pay only the redemption/processing fee shown at checkout (often ~₹99 + GST) → points left: 5,000.
Hotel bookings on iShop: you can redeem up to ~90% with points. Example: Hotel ₹8,000 → redeem 7,200 points + pay ₹800 by card + redemption/processing fee.
Shopping vouchers on iShop: you can redeem up to ~50% with points. Example: Voucher ₹2,000 → redeem 1,000 points + pay ₹1,000 by card + redemption/processing fee. This is usually less point-efficient than flights/hotels.
How to do it: open iShop via ICICI NetBanking or iMobile → choose Flights/Hotels/Vouchers → proceed to payment → select Reward Points redemption → pay any remaining amount using the Rubyx card.
Simple rule of thumb: prioritize redemptions where points cover most of the bill (flights first, then hotels). Avoid low-value redemptions like random products unless you need them urgently.
Important watch-outs: the redemption % and fees are controlled by iShop and may vary by category/merchant; confirm the allowed redemption and final payable amount on the payment page before you proceed.
iCash note: iShop also advertises iCash offers for NetBanking users; do not assume iCash and reward points can be combined in the same transaction—follow the checkout rules shown.
About your Amex card: keep the ecosystems separate—Amex MR points are typically best used via their own rewards/transfer partners, while Rubyx points are the most straightforward via iShop travel redemptions.
Best strategy for 10k points: use them in 1–2 larger redemptions (instead of many small ones) because per-transaction redemption/processing fees reduce value when you split redemptions.

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