ICICI Bank Rubyx Credit Card

ICICI Bank Rubyx Credit Card

Fast Processing ✓ Great Discounts & Offers ✓ Easy EMI Facility | Apply for Credit Card now! 

ICICI bank is one of the largest banks in India and an important pillar of the Indian banking sector. With nearly 3 decades of experience in providing world-class banking services, ICICI has a large and contented customer base. Prominent among these services is the ICICI Rubyx credit card which is the country’s first dual credit card.  

What is ICICI Bank Rubyx Credit Card? 

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, ICICI Rubyx card also comes in two variants- either MasterCard or Visa. ICICI Rubyx is targeted at users with relatively high annual expenditures.  Read a detailed ICICI Rubyx credit card review below.

ICICI Rubyx Credit Card Benefits and Features

  • Handsome Welcome Voucher

Once you receive your ICICI Rubyx card, you get a welcome voucher worth more than ₹ 5000 for shopping, travelling, and other expenditures.

  • Payback Points 

The cardholder can earn payback points for each purchase worth more than ₹ 100 and 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 3000 points on making a purchase of ₹ 3 lakh and 1500 points for making a purchase worth ₹1 lakh. However, you can not win more than 15000 points in a particular year. 

  • Discounts on Movie Tickets

By using your ICICI Rubyx card for purchasing movie tickets through BookMyShow or INOX, you can earn a discount of 25%. The minimum value of the tickets needs to be ₹ 250. 

  • Lounge Access

Rubyx credit cardholders can avail of 2 visits to the airport and railway lounge in a quarter. For this offer, the cardholder needs to spend a minimum of ₹ 5000 in a quarter.

ICICI Rubyx Credit Card Fees & Charges

Find all the relevant details about ICICI Rubyx credit card charges and fee in the table below-

Type of Charge


Joining fee

₹ 3000

Annual fee

₹ 2000 (ICICI Rubyx credit card annual fee is waived off if spend more than ₹3 lakh in a year) 

Finance charge for cash advance

3.4% per month 

Overdue interest

3.4% per month

Over-limit charge

2.5% (minimum amount should be ₹500)

Cash advance charge

2.5% (minimum amount should be ₹300)

Redemption handling fee


Late payment charge

  • None for any amount less than ₹ 100.

  • ₹ 100 for an amount between ₹ 100-₹ 500.

  • ₹ 500 for an amount between ₹ 500-₹ 10,000.

  • ₹ 750 for an amount more than ₹ 10,000. 

ICICI Rubyx Credit Card Customer Care Number

For all queries related to your Credit card, you can reach the ICICI Bank credit card customer care team:

  • Email: Customer.care@icicibank.com

  • Phone: 1860 120 7777

  • Local call: 33667777 (prefix local area code)

ICICI Rubyx Credit Card Rewards

  • On purchasing Rubyx credit card, you are entitled to complimentary Sennheiser HD219 headphones

  • You get an air accident cover worth ₹1 crore and lost card liability cover worth ₹50,000.

  • Cardholders can use i-Assist to make quick reservations for hotels, cabs and other travel arrangements. 

  • If you are a Rubyx credit cardholder, you get access to 2 complimentary rounds of golf each month. 

  • Cardholders get a minimum discount of 15% while dining across major restaurants. 

ICICI Rubyx Credit Card Eligibility Criteria

Eligibility Criteria
  • You should be a citizen of India.
  • You should have attained a minimum age of 23 before applying for the card.
  • Your monthly salary must be over ₹50,000. In case you are self-employed, your annual salary should be above ₹6 lakh.
Documents Required
  • Identity proof- Aadhar card, PAN card, voter id, passport, etc.
  • Residence proof- Aadhar card, passport, electricity bill, etc.
  • Income proof- Bank statements of past 3 months, latest month salary slip, ITR copy

How to Apply for an ICICI Bank Rubyx Credit Card?

Just follow these 5 quick steps and you’re done!

  • Visit Finserv MARKETS

    Visit us online

  • Fill in your details

    Help us with a few of your details

  • Check out the list of multiple Credit Cards from ICICI Bank

    Compare between the multiple options available

  • Make a Choice!

    Select the ICICI Bank Rubyx Credit Card

  • Submit your form

    And you're done!

Frequently Asked Questions

  • ✔️Is ICICI Rubyx Credit Card good?

    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 booking. Further, your annual fee would be waived off if you spend more than ₹3 lakh in a year. 

    However, the card does not offer any memberships such as priority passes, etc.

  • ✔️What is the benefit of an ICICI Rubyx credit card?

    Rubyx credit cardholders can enjoy 2 complimentary access to the airport or railway lounge in a quarter. The card also provides a 1% fuel surcharge waiver at all major fuel refilling outlets. Further cardholders can redeem up to 15,000 payback points in an anniversary year. Lastly, cardholders can get up to a 15% discount if they use Rubyx credit card to pay their dining bills across major restaurants.

  • ✔️Is ICICI Rubyx credit card free?

    No. If your application is approved, you have to pay ₹ 3000 as a joining fee. You also have to pay ₹ 2000 as an annual fee if you spend less than ₹ 3 lakh through the card in an annual year. Further, you also need to earn at least ₹ 50,000 a month (salaried) or ₹ 75,000 (self-employed) to be able to receive an ICICI Rubyx credit card.