ICICI Bank Rubyx Credit Card: Features & Apply

Summary

Briefly, the ICICI Bank Rubyx Credit Card is a premium credit card that seeks to enhance the lifestyle of the card members. It offers double card benefits using both Visa and Mastercard in the same account for enhanced acceptability and higher rewards. The unique benefit offers card holders the flexibility to use either the card based on their choice or location.

In addition to this, the Rubyx Credit Card also provides a myriad of exclusive advantages that add thrill to your daily spends. For example, you can unwind at airport lounges, get dining discounts, and movie ticket offers. Also, the card gives you reward points on all your spends, which can be redeemed as gifts, vouchers, or flight reservations, and thus enable you to save more with every swipe.

The other significant benefit of the Rubyx card is the absence of fuel surcharge on charging at specific pumps and a 24/7 customer support service that will respond to any issues. The card also has superior security features in the form of chip and PIN, real-time SMS alerts, and protection against fraud, which ensure safety while transacting.

Introduction

With the fast way of life today, a good credit card is not merely a luxury but a smart financial instrument. Among the various cards available, the ICICI Bank Rubyx Credit Card is a high-end and rewarding one for those who desire more from their daily spending. If you enjoy shopping, travelling, dining out, or simply want to spend your money smartly, the card has been designed to give you convenience at every corner.

To begin with, the ICICI Bank Rubyx Credit Card is the first dual credit card of India. That is, you get two cards – one based on Visa and the other on Mastercard – under a single account. This unique advantage assists you in getting maximum acceptance across the globe and additional rewards and incentives. It combines lifestyle, convenience, and savings in an effortless manner.

Apart from that, the Rubyx Credit Card is loaded with various exclusive benefits which are just what today’s user needs. Be it free airport lounge access or restaurant discounts, fuel surcharge waiver, or reward points on every spend – this card offers you more value than a normal credit card. You also get special deals on movie tickets, travel reservations, and shopping with ICICI Bank’s tie-ups with top brands. By doing this, you save more every month but enjoy a good lifestyle.

Apart from the lifestyle benefit, the card also features excellent reward programs. With each swipe of the Rubyx Credit Card, you earn ICICI Reward Points. These points are easily redeemable for gifts, vouchers, bookings, etc. These little savings add up and translate into tremendous rewards in the long term.

What is the ICICI Bank Rubyx Credit Card?

The ICICI Bank Rubyx Credit Card is a premium credit card designed to offer more perks and lifestyle benefits to the cardholders. In contrast to a regular credit card, it offers two credit cards in one account – a Visa and a Mastercard. As a result, you enjoy more acceptance and double the offers and rewards.

Besides, the card is particular for regular travellers, shoppers, and diners as it benefits through lounge privilege at airports, discounts on dining, and earning points on every purchase. The movie ticket discounts, fuel surcharge rejection, and special offers can also be availed on partnering websites of ICICI Bank.

How is the design of the ICICI Bank Rubyx Credit Card?

The ICICI Bank Rubyx Credit Card is sleek and modern in design, therefore having a high-end look and feel. To begin with, the card has a beautiful black and red color combination, therefore appearing distinct from a regular credit card. The vibrant coloration exudes sophistication and confidence, which is appropriate for users who love classy and distinctive things.

Also, the card is manufactured with good-quality material and a smooth surface, thus giving you a great grip whenever you hold it. It further has a security chip, as well as a clean and simple design that makes it easily read details like your name, card number, and expiry date.

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

Here are some of its greatest benefits explained in simple words:

1. Double Credit Card Advantage

First of all, you get two cards – one Visa-based and one Mastercard-based – under a single account. This gives you extra offers, acceptance, and convenience when you use your card in India or abroad.

2. Airport Lounge Access

Free access to airport lounges in India is included when you have a Rubyx Card. That means, on every trip, you can relax at a friendly lounge and enjoy food, Wi-Fi, and a relaxing atmosphere.

3. Reward Points on Every Spend

Whenever you use the card, you gain ICICI Bank Reward Points. For example:

• 4 points per ₹100 spent overseas.

• 2 points per ₹100 spent domestically.

• These can be later redeemed for gifts, vouchers, or travel bookings.

4. Restaurant Discounts

Avail up to 15% discount at chain restaurants with the ICICI Bank Culinary Treats offer. This cuts the expense of dining out with friends and family.

5. Movie Ticket Discounts

Avail 1 free movie ticket per month on BookMyShow, while buying one. Thus, you get to watch your favorite films and save money at the same time.

6. Fuel Surcharge Waiver

If you use your card to pay for petrol or diesel at HPCL fuel stations, you get a 1% waiver on the fuel surcharge on payments up to ₹4,000.

7. Insurance and Travel Protection

The card also has insurance benefits such as:

• Personal air accident cover for ₹1 crore.

• Delayed and lost baggage coverage while abroad.

8. 24×7 Customer Support

In case of any question or urgency, ICICI Bank has 24/7 customer service so that your concerns are answered in a jiffy.

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

Here is a simple breakdown of the  ICICI Bank Rubyx Credit Card fees.

Joining Fee	Rs. 3,000 + GST
Annual Fee	Rs. 3,000 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.75% per month (45% annually) charge 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 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

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

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

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

The documents that you will have to submit to get an ICICI Bank Rubyx 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 employeeBank statement for the last 3 monthsITR 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 Bank 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 Bank Rubyx Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  ICICI Bank 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 Bank 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 ICICI 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 Bank Rubyx Credit Card.

• Just hover your cursor on the  ICICI Bank 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 you submit 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 Bank Rubyx Credit Card.

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

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

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

• 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 Bank 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, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes 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 ensure 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

Short and sweet, the ICICI Bank Rubyx Credit Card is one of the most advantageous and premium credit cards to possess in India today. It is created especially for people who would like to enjoy a higher quality of life, spending less on their day-to-day expenses while flying frequently, watching movies, dining outside quite often, or shopping online and offline. If you’re someone who flies often, goes to the cinema, dines outside quite often, or spends online and offline, then this card has something beneficial for one and all.

One of the best aspects of this card is that it gives you two cards in one – Visa and Mastercard – so you get greater acceptance, greater offers, and more rewards. It is a strange feature and yet extremely handy when you are traveling to cities or countries. You don’t need to worry about carrying one card, as both cards are linked to one account and offer great flexibility.

Also, the reward points system is extremely attractive. You earn points every time you use your card, whether for shopping, travel, dining out, or bill payments. These points can then be used to purchase gifts, vouchers, or reservations, thus making each transaction more rewarding. The lounge access at airports, discounts on movie tickets, restaurant discounts, and fuel surcharge waiver add value to your daily life.

Frequently Asked Questions (FAQ’s)