ICICI Bank Rubyx Credit Card is a versatile option that combines rewards, joining and milestone bonuses, discounts on movies and dining, complimentary airport and railway lounge access, golf privileges, and more. These benefits cater to key spending categories such as shopping, travel, dining, and entertainment. However, the overall value you receive from the card largely depends on your spending capacity, as many perks are linked to meeting specific spend milestones.
This card is most suitable for high spenders seeking an ICICI credit card that offers a wide range of lifestyle and domestic travel benefits. That said, the base reward rate on everyday spends is not as competitive when compared with alternatives like SBI Elite, Axis Select, or HDFC Regalia Gold. To maximize value, Rubyx cardholders would need to rely primarily on milestone rewards.
Rewards Program With the ICICI Rubyx Credit Card, cardholders can earn reward points on every ₹100 spent as follows:
4 Reward Points on international transactions
2 Reward Points on domestic purchases
1 Reward Point on utility and insurance payments
Redemption Options The accumulated reward points can be redeemed across a wide range of categories, including travel, health, beauty, fashion, electronics, home appliances, lifestyle products, shopping vouchers, and more.
Other Features and Benefits
Welcome Benefit
Vouchers worth ₹5,250 from top brands like Croma, Uber, EaseMyTrip, and Tata CLiQ on joining fee payment
Lounge Access
2 complimentary domestic airport lounge visits per quarter (on ₹75,000 quarterly spends)
8 complimentary railway lounge visits per year
Milestone Benefits
3,000 reward points on ₹3 lakh annual spends
1,500 reward points for every additional ₹1 lakh spent thereafter
Entertainment
25% off (up to ₹150) on minimum 2 tickets, twice a month, on BookMyShow & INOX
Golf Benefits
1 free round per ₹50,000 spent in previous month (max. 2 per month)
Everything you need to know about this credit card
The annual fee is ₹3,000 plus GST. However, the fee can be waived if you achieve the required annual spend milestone.
Yes, a forex markup fee of 3.50% will be charged on all international retail and online transactions. It also applies to POS machines registered internationally, such as duty-free shops.
To avail free domestic airport lounge access, you must spend at least ₹75,000 during the previous calendar quarter.
Cardholders can earn accelerated reward points on retail and international transactions, along with milestone-based bonus rewards.
The applicant must be between the ages of 21 and 65 years to be eligible for applying.
Yes, you can enjoy up to ₹3,600 annual savings on movie tickets booked through BookMyShow and INOX.
Yes, apart from airport lounge access, the card also provides railway lounge access and other lifestyle travel privileges.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
ICICI
Airport Lounge Access
Entertainment
Reward Points
