ICICI Bank Rubyx Credit Card: Benefits & Apply

Summary

ICICI Bank Rubyx Credit Card: A premium dual-card offering with an array of benefits across travel, lifestyle, dining, and entertainment. Available in both Visa and Mastercard variants, so one can get the best of both networks. The card rewards the user for spending with real reward points. There are 4 points for every ₹100 spent internationally, 2 points for every ₹100 of domestic spending, and 1 point for every ₹100 for utilities and insurance.

The card also encompasses free access to the airport and railway lounges (once within a quarter each) for frequent travelers. At the same time, it extends a 1% fuel surcharge waiver facility at HPCL petrol pumps as well, offering fuel savings, thereby making its usage a comprehensive comfort package.

Entertainment enthusiasts can get movie tickets on Buy One, Get One Free with BookMyShow. The dining benefit includes up to 15% discount at the partner restaurants through the ICICI Bank Culinary Treats Program.

Introduction

This Credit Card, offered by ICICI Bank, is a premium credit card designed for those who want to enjoy a little luxury and exclusive features in their everyday life. ICICI Rubyx Credit Card is specially designed for those customers who want to avail the best rewards and services on their spending. Bank Rubyx Credit Card can be used not just as a simple credit card but as a lifestyle product that makes every spend special.

Many benefits are there with the credit card, such as huge discounts on travel bookings, hotel stays, shopping, and other services. Along with this, it also has a great reward points program, in which you can earn reward points on every spend and redeem them according to your convenience.

Another feature of ICICI Rubyx Credit Card is that it is available in two options – American Express and MasterCard – so that you can choose any network at your convenience. With both options, you get many additional facilities and rewards, which make your lifestyle even better.

In today’s article, we will discuss in detail about ICICI Rubyx Credit Card. In which we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of ICICI Rubyx Credit Card and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not have any problems later.

What is the ICICI Bank Rubyx Credit Card?

The credit card is a premium credit card designed specifically for those who want to add extra perks and benefits to their lifestyle. With ICICI Rubyx Credit Card, you get reward points on every spend, which you can redeem on shopping, travel, or other services.

Apart from this, with ICICI Rubyx Credit Card, you also get airport lounge access, a free golf facility, and many special discounts. This Card is available in both American Express and MasterCard options, so you can choose according to your needs.

This is a unique and versatile credit card that offers you great rewards and exclusive features. ICICI Rubyx Credit Card not only makes your everyday spending special but also allows you to avail of premium services.

How is the ICICI Bank Rubyx Credit Card designed?

This premium dual-card credit card from ICICI Bank offers you both the Visa and Mastercard variants and is created with an elegant and stylish look with a feel of high-class appeal for professional and premium customers. The design of the card is created keeping in mind exclusivity for special travel, dining, lifestyle, and entertainment opportunities.

And above all, its unique gemstone-inspired pattern talks about luxury. The Rubyx Credit Card combines style and substance in financial dealings, with additional features such as airport lounge access, reward points on spending, and dining discounts.

What are the benefits of the ICICI Bank Rubyx Credit Card?

What you get

1. Reward Points on Every Spend

• 4 reward points per 100 ₹ for international transactions

• 2 reward points per 100 ₹ for domestic transactions

• 1 reward point per 100 ₹ for utilities and insurance categories

2. Airport Lounge Access

• Get one free airport lounge access per quarter with the DreamFolks Program.

3. Movie & Dining Discounts

• Movie ticket booking via BookMyShow Buy One, Get One Free; up to two times a month.

• 15% off on dining at partner restaurants through Culinary Treats of ICICI

4. Fuel Surcharge Waiver

• 1% fuel surcharge waiver on all HPCL fuel purchases at its pumps; max ₹200/month benefit

5. Travel Benefits

• Free railway lounge access twice per quarter at railway stations.

• Travel booking and reservations, and gifting services on the concierge.

6. Milestone Benefits

• Earn 1,500 bonus reward points if you spend ₹1,50,000 in a year.

• Earn 3,000 bonus reward points if you spend ₹3,00,000 in a year.

What are the fees for the ICICI Bank Rubyx Credit Card?

Here is a simple Credit Card fee breakup.

Joining Fee	₹2,999 = GST per year. This will be waived if you spend 3,00,000 or more in a year.
Annual Fee	₹1,999 = GST per year. This will be waived if you spend 50,000 or more in a year.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an ICICI Bank Rubyx Credit Card?

The following are the primary requirements:

1. You must be between 18 and 70 years old to apply for the ICICI Rubyx Credit Card.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 9 lakhs usually does the job.

3. A secured income ensures regular, timely payments on the credit card bill. Any amount above it increases the probability of approval.

4. Your credit score plays a role in the selection process. It is a tendency for ICICI Bank to favor borrowers with a better credit score usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an ICICI Bank Rubyx Credit Card?

The documents that you will have to submit to Get a ICICI Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employe Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the ICICI Bank Rubyx Credit Card be used?

Here is the list of places where you can use it:

• With the ICICI Rubyx Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your ICICI Rubyx Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The ICICI Rubyx Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the ICICI Bank Rubyx Credit Card?

The credit amount you can spend is what you are provided with an ICICI Rubyx Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an aaICICI Bank Rubyx Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the ICICI Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by ICICI Bank; for instance, you can choose the ICICI Rubyx Credit Card.

• Just hover your cursor on the ICICI Rubyx Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest ICICI Bank branch to apply for the ICICI Rubyx Credit Card.

• Request for the credit card application form for the ICICI Rubyx Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the ICICI Rubyx Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the ICICI Bank Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an ICICI Bank Rubyx Credit Card in 2025 be right?

Yes, getting an ICICI Bank Rubyx Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

ICICI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

The ideal option would be the ICICI Rubyx Credit Card for those who want their daily spending to be special and profitable. Some of the premium benefits provided with the ICICI Rubyx Credit Card, such as free golfing and airport lounge entries, along with a reward points scheme, make it very suitable. If you travel too much, frequently shop, or are looking to enhance your lifestyle, Rubyx Credit Card might be the right companion for you.

With the credit card from Rubyx, you get back on every spent amount, as per your demand, whether spending on travel, shopping, or other services. Other than this, you are also provided with additional cashback and discounts along with the ICICI Rubyx Credit Card that renders your expenses economical. The annual fee is also reasonable, and if one spends more money than the prescribed amount, then it can be completely waived, so this becomes even more feasible.

The process of applying for it is also very easy. You can apply for it online through the ICICI Bank website, or you can apply by visiting the nearest bank branch. If you are seeking a premium credit card that not only gives you great features but also meets your financial needs, then ICICI Rubyx Credit Card may prove to be a good option for you.

Frequently Asked Questions (FAQ’s)