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ICICI Bank Rubyx Credit Card

The ICICI Bank Rubyx credit card is a dual credit card. This means that you can avail the benefits of 2 credit cards from a single account. Like coral credit cards, the ICICI Rubyx Card comes in two variants - MasterCard or Visa. Furthermore, the ICICI Rubyx card is ideal for users with relatively high annual expenditures. Read a detailed ICICI Rubyx credit card review below.

Key Highlights of the ICICI Rubyx Credit Card

Here is a broad overview of what you need to know before you apply for the ICICI Bank Rubyx credit card.



Type of Card

Top-level credit card

Category of Card

Special credit card

Membership Fee

₹3,000 plus GST

Annual Renewal Fee

₹2,000 plus GST (waived off spends above ₹3 lakh during the year)

Income Requirements

  • Salaried Individual - ₹50,000 or above per month
  • Self-employed Individual - Annual income of ₹5.5 lakhs or above

Best Features of the Card

  • 25% discounts up to ₹150 on movie ticket bookings via BookMyShow or INOX.
  • Complimentary access to 2 domestic airport lounges and railway lounges in India every quarter
  • Discounts on dining at select restaurants in the country
  • Concierge services with i-Assist, a 24x7 premium facility that takes care of all your needs, right from making travel reservations to doorstep delivery of movie tickets


How to Apply for the ICICI Rubyx Credit Card

Applying for this credit card from ICICI Bank on Bajaj Markets is very simple. You just need to follow the steps listed below.

  • Step 1: Visit the Bajaj Markets website.

  • Step 2: Head to the ‘Credit Cards’ section.

  • Step 3: Click on the ‘Apply Now’ button.

  • Step 4: Enter the details needed, including your mobile number, profession and date of birth, among others.

  • Step 5: Enter the OTP received on your phone and proceed.

  • Step 6: Then select the ICICI Credit Card that you wish to apply for. In this case, that would be the ICICI Rubyx credit card.

  • Step 7: Fill out the credit card application form accurately and completely, and submit it online.

  • Step 8: You will receive the credit card at the address provided by you after your application is successfully verified.

Eligibility Criteria and Documents Required for the ICICI Rubyx Credit Card

Before applying for this credit card, it is important to know the eligibility criteria as well as the documents you need to submit as a part of the application. Here are the details about these two essential aspects.

1. Eligibility Criteria for the ICICI Rubyx Credit Card

  • Citizenship: Indian
  • Minimum age: 23 years for a primary card and 18 years for a secondary card

  • Occupation: Self-Employed or Salaried

  • Income Criteria: ₹50,000 or above per month for salaried individuals and an annual income of ₹5.5 lakhs or above for self-employed individuals 

2. Documents Required for the ICICI Rubyx Credit Card 

  • Identity Proof: PAN, Aadhaar Card, Passport, Voter’s ID, Driving licence, or any other government-approved photo ID proof

  • Address Proof: Aadhaar Card, Passport, Driving licence, latest utility bill, Voter’s ID, or any other government-approved address proof

  • Income Proof: Payslips (Latest), Income Tax Return, or Form 16

  • Miscellaneous: A colour photograph of the applicant

Rewards of ICICI Rubyx Credit Card

Each time you use your ICICI Rubyx credit card on eligible transactions, you can earn a number of rewards points as per the bank’s comprehensive rewards program. Check out the rewards on every ₹100 spent below.

  • 2 ICICI Bank reward points on domestic transactions (except fuel)

  • 4 ICICI Bank reward points on international transactions

Features and Benefits of the ICICI Rubyx Credit Card

ICICI Rubyx credit card benefits are many and varied. Here is a closer look at some of the top advantages of this credit card.

  • Handsome Welcome Voucher

Once you receive your ICICI Rubyx card, you get a welcome voucher worth more than ₹5,000 for shopping, travelling, and other expenditures.

  • Payback Points

As a cardholder, you earn payback points for each purchase (both domestic and international) worth more than ₹100. You can then redeem these points for cash or a gift voucher.

  • Milestone Benefits

You stand to earn a large number of payback points by making a large transaction through the Rubyx credit card. You can earn 3,000 points on spending ₹3 lakh on your card, and 1,500 points on spending over ₹1 lakh.

  •  Discounts on Movie Tickets

By using your ICICI Rubyx card for purchasing at least 2 movie tickets through BookMyShow or INOX, you can earn discounts of 25%, up to ₹150.

  • Lounge Access

Rubyx credit cardholders get complimentary access to 2 airport and railway lounges each in a quarter. For this offer, you need to spend a minimum of ₹5,000 in a quarter. 

Fees and Charges of ICICI Rubyx Credit Card

The ICICI Rubyx credit card comes with the following fees and charges. Make a note of them before you apply for this card.



Joining fee

₹3,000 + GST

Annual fee

₹2,000 + GST (waived off on spends above ₹3,000 during the year)

Finance charges

3.40% per month or 40.80% per annum

Cash advance fees

3.40% per month or 40.80% per annum

Foreign currency conversion charges


Card replacement charges


Over-limit fee

2.5% of the over-limit amount (subject to a minimum of ₹550)

Late Payment Charges

Statement Balance

Late Fee

Less than ₹100


Between ₹100 and ₹500


Between ₹501 and ₹5,000


Between ₹5,001 and ₹10,000


Between ₹10,001 and ₹25,000


Between ₹25,001 and ₹50,000


Above ₹50,000


ICICI Rubyx Credit Card Customer Care Number

If you want to get any queries clarified or register a complaint regarding your ICICI Bank Rubyx credit card, all you need to do is get in touch with the team of ICICI Credit Card Customer Care. You can do this in any of the following ways.

  • Call them at 1800 1020 1239

  • Email the bank at customer.care@icicibank.com

  • Write to the bank at the following address —


ICICI Bank Limited

ICICI Phone Banking Centre, ICICI Bank Tower, 7th floor, Survey no: 115/27, Plot no. 12, Nanakramguda, Serilingampally,

Hyderabad – 500032 

FAQs on the ICICI Rubyx Credit Card

Is the ICICI Rubyx credit card good?

The ICICI Bank Rubyx credit card is meant for frequent travellers and those who often spend big on shopping and other purchases. The card is quite a handful due to its payback points policy and handsome discounts on movie ticket bookings. Further, your annual fee is also waived off if you spend more than ₹3 lakh in a year.

What is the benefit of an ICICI Rubyx credit card?

Rubyx credit cardholders can enjoy many benefits, some of which are outlined below:

  • 2 complimentary accesses to the airport or railway lounge in a quarter
  • 1% fuel surcharge waiver at all major fuel refilling outlets
  • Up to 15,000 payback points in an anniversary year
  • Air accident insurance of ₹1 crore and a lost card liability of ₹50,000

Is ICICI Rubyx credit card free?

No. If your application is approved, you have to pay ₹3,000 as a joining fee. You also have to pay ₹2,000 as an annual fee if you spend less than ₹3 lakh through the card annually. Further, you also need to earn at least ₹50,000 a month (if you are a salaried person) or earn an annual income of ₹5,50,000 (if you are self-employed) to be able to receive an ICICI Rubyx credit card.

What is the annual fee on the ICICI Rubyx credit card?

The annual fee on the ICICI Rubyx card is ₹3,000 in the first year and ₹2,000 from the second year onward. This annual fee is waived off if you spend at least ₹3 lakh through the card in the previous anniversary year.

Who should apply for an ICICI Rubyx credit card?

Since the Rubyx credit card from ICICI Bank offers a wide range of lifestyle and travel benefits, frequent travellers and shoppers would greatly benefit from this card.

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