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Last updated: 01-06-2026
ICICI Bank Rubyx Credit Card
ICICI Bank

ICICI Bank Rubyx Credit Card

"ICICI's mid-range lifestyle card โ€” welcome vouchers worth โ‚น5,000+, domestic lounge access, golf, movies and dining discounts"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น3,000 + GST
๐Ÿ”„ Renewal Fee
โ‚น3,000 + GST
Waived: Annual fee waived on spending โ‚น5 lakh or more in the anniversary year
๐ŸŽฏ Best Suited For
Mid-level spenders who want rewards on everyday purchases plus lounge access, dining discounts and movie offers; upgrade path from ICICI Coral
๐ŸŽ Reward Type
ICICI Reward Points (1 RP = โ‚น0.25; redeemable for merchandise, vouchers, travel)
๐ŸŽ‰ Welcome Benefit
Vouchers worth over โ‚น5,000 from Tata CLiQ (โ‚น2,000), EaseMyTrip (โ‚น2,000 for flights), Croma (โ‚น1,000), EaseMyTrip holiday packages (โ‚น3,000) โ€” within 45 days of joining fee payment
๐Ÿ’ฐ Reward Rate
3 RPs per โ‚น100 on domestic retail spends (0.75% effective); 4 RPs per โ‚น100 on international spends (1% effective); 1 RP per โ‚น100 on utility and insurance; milestone: 3,000 RPs on โ‚น3L annual spend; 1,500 RPs per additional โ‚น1L (max 15,000 RPs per year)
โœˆ๏ธ Lounge Access
2 complimentary domestic airport lounge visits per quarter on spending โ‚น75,000 in the preceding quarter; no international lounge access on base variant
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โœ… Pros
  • Welcome vouchers โ‚น5,000+ from top brands
  • 2 domestic lounge visits per quarter
  • Buy 1 Get 1 movies via BookMyShow
  • 15% off at 2,500+ restaurants
  • Golf rounds on โ‚น50K monthly spend
  • 24x7 concierge service
โŒ Cons
  • High forex markup 3.5%
  • Domestic lounge requires โ‚น75K quarterly spend
  • Movie benefit requires โ‚น25K quarterly spend (April 2026)
  • Base reward rate 0.75% is average
  • 1 RP = โ‚น0.25 is low redemption value
  • Transport spend reward cap โ‚น20K per month

๐ŸŽ Rewards & Benefits

Reward Type
ICICI Reward Points (1 RP = โ‚น0.25; redeemable for merchandise, vouchers, travel)
Welcome Benefits
Vouchers worth over โ‚น5,000 from Tata CLiQ (โ‚น2,000), EaseMyTrip (โ‚น2,000 for flights), Croma (โ‚น1,000), EaseMyTrip holiday packages (โ‚น3,000) โ€” within 45 days of joining fee payment
Reward Rate
3 RPs per โ‚น100 on domestic retail spends (0.75% effective); 4 RPs per โ‚น100 on international spends (1% effective); 1 RP per โ‚น100 on utility and insurance; milestone: 3,000 RPs on โ‚น3L annual spend; 1,500 RPs per additional โ‚น1L (max 15,000 RPs per year)
Reward Redemption
ICICI rewards portal or iMobile app: merchandise, vouchers, travel; 1 RP = โ‚น0.25; airline partner transfers
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations on transactions โ‚น400 to โ‚น4,000
Lounge Access
2 complimentary domestic airport lounge visits per quarter on spending โ‚น75,000 in the preceding quarter; no international lounge access on base variant
Spend Based Fee Waiver
Annual fee waived on โ‚น5 lakh annual spend
Milestone Benefits
3,000 RPs on โ‚น3L annual spend; 1,500 RPs per additional โ‚น1L (max 15,000 RPs per year); annual fee waiver on โ‚น5L spend; golf rounds on โ‚น50K monthly spend (max 2 per month)
Other Benefits
Buy 1 Get 1 on movie tickets via BookMyShow (up to โ‚น500 off on 2nd ticket) โ€” 1 time per month on โ‚น25,000 quarterly spend; 15% off at 2,500+ restaurants via ICICI Culinary Treats; complimentary golf rounds (1 per โ‚น50,000 monthly spend, max 2 per month); 24x7 iAssist concierge; air accident insurance; fuel surcharge waiver

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Air accident insurance; zero card liability on loss reporting
Add-on Cards
Add-on cards for family members
Concierge Services
24x7 iAssist concierge: 1800-26-70731 (toll-free)
Special Offers
BookMyShow BOGO (on โ‚น25K quarterly spend); ICICI Culinary Treats 15% off; golf on โ‚น50K monthly spend

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น3,000 + GST
Annual Fee / Renewal Fee
โ‚น3,000 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น5 lakh or more in the anniversary year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.4% per month (40.8% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per ICICI Bank prevailing slab
Over Limit Charges
As per ICICI Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Lounge access requires โ‚น75,000 quarterly spend; movie benefit requires โ‚น25,000 quarterly spend (from April 2026); transport spends reward cap โ‚น20,000 per month

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 60 years; minimum monthly income โ‚น50,000 (salaried); Indian resident; strong credit history
Credit Score Requirement
720+ CIBIL recommended
Credit Limit
Based on income and ICICI Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Easy EMI on transactions above โ‚น5,000
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per ICICI Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via ICICI iMobile app
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
Zero card liability on timely reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on unauthorized transactions

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1800 200 3344 (24x7 toll-free)
Chat / Email Support
Chat via ICICI iMobile app and website
Mobile App
ICICI iMobile: manage card, track RPs, pay bills, EMI
Online Banking
Full management via ICICI Bank NetBanking

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:32 PM
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