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.
ICICI Rubyx Visa Credit Card Rewards Program
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)
Fee Waiver
Annual fee waived on ₹3 lakh annual spends
Dining Benefits
Discounts under ICICI Culinary Treats Programme
Concierge Services
24x7 assistance for travel & lifestyle needs
Fuel Benefit
1% surcharge waiver on fuel spends ₹400–₹4,000
Insurance Coverage
Personal Air Accident: ₹1 crore
Plane Hijacking & Credit Shield: ₹1 lakh
Loss of Checked-in Baggage: ₹84,000
Credit Shield & Card Liability: ₹50,000 each
Loss of Passport & Travel Documents: ₹35,000
Baggage Insurance: ₹25,000
Delay of Checked-in Baggage: ₹21,000
Missing Connecting International Flight: ₹21,000
Flight Delay: ₹17,500
Fees and Charges
Particulars
Amount
Joining Fee
Rs. 3,000 + Applicable Taxes
Annual Fee
Rs. 2,000 + Applicable Taxes
Finance Charges
3.75% per month (or 45% per annum)
Late Payment Charges
On outstanding balance of
Amount
Less than Rs. 100
Nil
Rs. 100 to Rs. 500
Rs. 100
Rs. 501 to Rs. 1,000
Rs. 500
Rs. 1,001 to Rs. 5,000
Rs. 600
Rs. 5,001 to Rs. 10,000
Rs. 750
Rs. 10,001 to Rs. 25,000
Rs. 900
Rs. 25,001 to Rs. 50,000
Rs. 1,100
More than Rs. 50,000
Rs. 1,300
Things to Know Before you apply
Get this card if:
You are a frequent spender who wants free domestic lounge access, milestone benefits, golf games, and annual fee waiver.
You are okay with a lower reward rate but want multiple redemption options like travel, shopping, and lifestyle vouchers.
You want extra lifestyle benefits such as discounts on movies, dining, and golf games.
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For ICICI Rubyx Visa Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
ICICI Rubyx Visa Credit Card Hilights
What do we like about this card?
Save up to ₹3,600 annually on movie tickets at BookMyShow & INOX.
Annual fee waiver on achieving minimum spend condition.
8 complimentary visits each to domestic airport and railway lounges every year.
Unlimited reward points with milestone bonus rewards for higher spends.
Enjoy complimentary golf games and lifestyle privileges.
Accelerated rewards on international transactions.
Pros
Save up to ₹3,600 annually on movie tickets via BookMyShow and INOX.
Annual fee can be waived off with a fairly achievable spend condition.
Enjoy up to 8 complimentary visits each to domestic airport and railway lounges per year.
Cons
Rewards earning rate is relatively low compared to other cards in this fee range.
High forex markup fee of 3.5% despite accelerated rewards on international transactions.
ICICI Bank Credit Card Contact Details
ICICI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
Helpline Numbers: 1860 120 7777 (India), +91 22 3366 7777 (International), or + 33667777 from your registered mobile.
Simply SMS: Send an SMS to 5676766 from your registered mobile number.
Frequently Asked Questions
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
