ICICI Bank Rubyx Credit Card

Name: ICICI Bank Rubyx Credit Card
Brand: ICICI
Price: 2000 INR
Availability: InStock
Rating: 3.5 (1 reviews)

Overview

The ICICI Bank Rubyx Credit Card fills the mid-tier space for cardholders who want lifestyle perks without premium pricing. A joining fee of ₹3,000 and annual fee of ₹2,000 (both plus GST) place it below the bank’s Sapphiro and Emeralde tiers but above entry-level Coral and Platinum products. The annual fee gets waived when you spend ₹3 lakh in a year, a threshold most active users should reach.Reward points accumulate at 2 per ₹100 on domestic transactions and 4 per ₹100 on international spend. Utilities and insurance payments earn 1 point per ₹100, while fuel transactions earn nothing. The iShop portal multiplies earnings to 6x or 12x at select merchants, pushing the effective earn rate well above what most mid-tier cards deliver. Milestone rewards add 3,000 points at ₹3 lakh annual spend, with 1,500 bonus points for each additional ₹1 lakh up to a 15,000-point annual cap.Lounge access comes with conditions. Domestic airport lounges allow 2 visits per quarter, but only after spending ₹75,000 in the previous quarter. Railway lounges are more accessible at 2 per quarter with no spend requirement. Golfers get up to 2 rounds per month through Golftripz, though each round requires ₹50,000 in retail spend the prior month. BookMyShow and INOX discounts of 25% (up to ₹150) on 2 tickets apply twice monthly.This card works well for salaried professionals earning ₹75,000+ per month who spend regularly on domestic purchases and appreciate lounge access as a bonus. If your primary need is international travel or high forex usage, the 3.5% markup and absence of international lounge access make dedicated travel cards a better fit.

Pros

↑Welcome vouchers worth ₹5,000+ cover the joining fee on day one, a benefit few mid-tier cards match at this price point
↑Milestone rewards up to 15,000 points per year (3,000 on ₹3L + 1,500 per additional ₹1L), among the better milestone structures for mid-tier cards
↑Combined airport (up to 8/year) and railway (8/year) lounge access at this fee tier is uncommon, as most cards in this range provide only one type

Cons

↓Airport lounge access requires ₹75,000 quarterly spend, unlike many mid-tier cards that provide unconditional lounge visits
↓3.5% forex markup is higher than the 1.5-2% charged by dedicated travel cards, limiting value for international spenders
↓No international lounge access at all, a benefit that several cards at this annual fee level include

Key Highlights

Welcome Offer
Welcome vouchers worth ₹5,000+
Tata CLiQ: ₹2,000
EaseMyTrip: ₹2,000 (2x ₹1,000)
EazyDiner: ₹1,095 (3-month Prime)
Croma: ₹1,000 (2x ₹500)
Delivered within 45 days of joining fee payment

Reward Rate
2 points per ₹100 domestic
International: 4 points per ₹100
Domestic: 2 points per ₹100
Utilities & Insurance: 1 point per ₹100
No points on fuel transactions

Minimum Salary
₹75,000/month (salaried)
Salaried: ₹75,000/month
Self-employed: ₹9,00,000/year
Age: 21 to 65 years
Indian citizen

Joining Fee
₹3,000 + GST
Joining fee: ₹3,000
Plus 18% GST
Welcome vouchers worth ₹5,000+ offset the cost

Annual Fee
₹2,000 + GST (waived on ₹3L spend)
Annual fee: ₹2,000
Plus 18% GST
Waived if annual spend exceeds ₹3 lakh

Why Choose?
Lifestyle perks with lounge access and golf
Up to 8 domestic airport lounge visits/year (conditional on ₹75K/quarter spend)
8 railway lounge visits/year
2 golf rounds/month (requires ₹50K spend/round)
BookMyShow 25% off twice/month
24x7 concierge service

Key Benefits

Dining

★3.0

▼

BookMyShow and INOX: 25% off up to ₹150
Minimum 2 tickets per booking
Available twice per month
Dual-variant cardholders get one offer per variant

Fuel

★4.0

▼

1% surcharge waiver on ₹400 to ₹4,000 transactions
All fuel outlets in India
Primary and supplementary cardholders
No reward points on fuel

Lifestyle

★3.5

▼

2 complimentary golf rounds/month via Golftripz (requires ₹50K spend per round in prior month)
BookMyShow and INOX: 25% off on 2+ tickets, twice monthly
24x7 concierge for reservations and bookings
EazyDiner Prime membership included with welcome benefits

Milestone

★4.0

▼

3,000 reward points on ₹3 lakh annual spend
1,500 points per additional ₹1 lakh
Maximum 15,000 reward points per year
₹3L spend also triggers annual fee waiver

Reward Points

★3.0

▼

International: 4 points per ₹100
Domestic: 2 points per ₹100
Utilities & Insurance: 1 point per ₹100
6x to 12x points on iShop purchases
Redeem via ICICI Bank Rewards portal

Shopping

★3.0

▼

6x to 12x reward points on iShop portal at select merchants
2 reward points per ₹100 on domestic purchases
Welcome vouchers from Tata CLiQ (₹2,000) and Croma (₹1,000)

Merchant Offers

▼

6x to 12x reward points on iShop
BookMyShow and INOX movie ticket discounts

Travel

★3.0

▼

2 domestic airport lounge visits per quarter (conditional on ₹75K quarterly spend)
No international lounge access
₹1 Cr air accident insurance (international flights, card used within 60 days)
24x7 concierge for hotel, flight, car rental bookings

Airport Lounge Access

▼

2 domestic visits per quarter (requires ₹75,000 spend in prior quarter)
Primary cardholder only
No international lounge access

Railway

▼

2 visits per quarter (8 per year)
No spend condition
Primary cardholder only
Extra visits charged at lounge provider rates

Liability Protection

▼

Counterfeit card liability protection
Account takeover cover

Insurance

▼

₹1 Cr air accident (international flights only, card used within 60 days)
₹2L personal accident (RuPay variant only)
Primary cardholder only

Emi

▼

EMI conversion on purchases above ₹2,500

Detailed Information

Joining Fee	₹3,000 + GST
Annual Fee	₹2,000 + GST
Annual Fee Waiver	Waived on ₹3L annual spend
Monthly Percentage Rate	3.75%
Annual Percentage Rate	45%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	₹100 to ₹1,300 based on outstanding
Overlimit Charges	2.5% of overlimit amount
Cash Advance Fee	2.5% of amount (min ₹500)
Balance Transfer Fee	2% of transferred amount (min ₹250)
Fee For Supplementary Card	₹199/year
Card Replacement Fee	₹100 to ₹200
Fee For Duplicate Statement	₹50 per statement
Fee For Cheque Bounce	₹500

Age Requirement Salaried	21-65 years
Age Requirement Self Employed	21-65 years
Minimum Annual Income Salaried	₹9.0 lakh (₹75,000/month)
Minimum Annual Income Self Employed	₹9.0 lakh/year
Minimum Credit Score	750+

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Voter ID
Address Proof	Aadhaar Card Passport Utility Bill (recent) Bank Statement
Income Proof Salaried	Latest 3 months salary slips Latest 3 months bank statement Form 16 or ITR
Income Proof Self Employed	Latest 2 years ITR Latest 6 months bank statement Business proof documents

Frequently Asked Questions

The joining fee is ₹3,000 plus 18% GST. Welcome vouchers worth ₹5,000+ from Tata CLiQ, EaseMyTrip, EazyDiner, and Croma offset this cost within 45 days of payment.

The annual fee of ₹2,000 plus GST gets waived when your total spending in the year crosses ₹3 lakh. This threshold also trigge₹3,000 milestone reward points.

Apply through the ICICI Bank website or iMobile app. The process is fully digital with no physical documents to submit. You need a PAN card, Aadhaar, and income proof (salary slips for salaried, ITR for self-employed). Existing ICICI Bank customers may find a pre-approved Rubyx offer directly in iMobile or internet banking.

Salaried applicants need a minimum monthly income of ₹75,000 (₹9 lakh per year). Self-employed applicants require an annual income of ₹9 lakh. You must be an Indian citizen aged 21 to 65 years. A credit score of 750 or higher is typically expected.

The Rubyx is available on Visa and RuPay networks. There is no Mastercard variant. The RuPay version carries an extra ₹2 lakh personal accident insurance cover that the Visa version does not include. Reward points, lounge access, golf rounds, and all other benefits stay the same across both networks.

You receive vouchers worth over ₹5,000: Tata CLiQ (₹2,000), EaseMyTrip (two vouchers of ₹1,000 each), EazyDiner (₹1,095 for a 3-month Prime membership), and Croma (two vouchers of ₹500 each). These arrive within 45 days of paying the joining fee through iMobile or internet banking. No separate activation is needed.

Domestic purchases earn 2 points per ₹100, international transactions earn 4 points per ₹100, and utilities or insurance payments earn 1 point per ₹100. Fuel transactions do not earn points. The iShop portal multiplies earnings to 6x or 12x at select merchants.

Fuel transactions earn zero points. Cash advances, EMI conversions, balance transfers, fee payments (joining, annual, GST), and penalty charges (interest, late fees) are also excluded. Utility and insurance payments earn at a reduced rate of 1 point per ₹100 instead of the standard 2 points on domestic spend.

You earn 3,000 reward points when annual spending reaches ₹3 lakh. For every additional ₹1 lakh spent, you receive 1,500 more points, up to a maximum of 15,000 points per year. The ₹3 lakh milestone also triggers an annual fee waiver.

Points can be redeemed through the ICICI Bank Rewards portal for shopping vouchers, electronics, home appliances, fashion, health and beauty, and travel. You can also redeem through the iMobile app or internet banking. Redemption categories and point values vary by product.

You need to spend ₹75,000 in the previous quarter to unlock 2 domestic airport lounge visits in the current quarter. This gives a maximum of 8 airport lounge visits per year if you meet the spend threshold every quarter. There is no international lounge access with this card. Railway lounges allow 2 visits per quarter with no spend requirement.

You can access up to 2 complimentary golf rounds per month through Golftripz. Each round requires ₹50,000 in retail spend during the prior month. This perk is typically reserved for higher-tier cards, making it a standout benefit for the Rubyx at this fee level.

The concierge handles restaurant reservations, hotel bookings, flight arrangements, car rentals, event tickets, and emergency travel assistance. Call 18002670731 (toll-free) for the Visa variant or 1800-26-78729 for the RuPay variant. The service runs round the clock and is available to primary cardholders.

The card includes air accident insurance up to ₹1 crore for international flights, provided the card was used within 60 days of travel. The RuPay variant also carries ₹2 lakh personal accident cover. Both apply to the primary cardholder only. There is no lost baggage or trip cancellation cover.

Any purchase above ₹2,500 can be converted to EMI through the iMobile app or internet banking. Tenure options and interest rates depend on the transaction amount and your account standing. EMI conversions do not earn reward points.

Supplementary cards cost ₹199 per year. Add-on cardholders earn reward points at the same rate as the primary card and share the fuel surcharge waiver. All points from supplementary card transactions accumulate in the primary cardholder's account.

The Visa variant works at any Visa-accepting merchant worldwide. International transactions earn 4 reward points per ₹100, double the domestic rate. A 3.5% foreign currency markup applies on all international purchases. There is no international airport lounge access with this card, so frequent international travellers may find better value with a dedicated travel card.

The foreign currency markup is 3.5% on all international transactions. While this is standard for mid-tier cards, dedicated travel cards typically charge 1.5% to 2%. If international spending is a priority, factor this cost into your decision.

The finance charge is 3.75% per month, which works out to 45% per year. This applies to any outstanding balance carried past the payment due date. Paying the full statement balance by the due date each month avoids interest charges entirely.

The minimum payment is 5% of the total outstanding balance or ₹200, whichever is higher. Paying only the minimum avoids late payment fees but triggers the 3.75% monthly finance charge on the remaining balance.

Late fees range from ₹100 to ₹1,300 depending on your total outstanding amount. These apply when you do not pay at least the minimum amount by the statement due date.

Cash advances carry a fee of 2.5% of the withdrawn amount (minimum ₹500). Interest of 3.75% per month starts from the date of withdrawal with no interest-free period. This makes ATM cash withdrawal one of the most expensive ways to use a credit card.

An overlimit charge of 2.5% applies on the amount exceeding your approved credit limit. Transactions beyond the limit may also be declined depending on your payment history and account standing.

At ₹50,000 monthly domestic spend (₹6 lakh per year), you earn roughly 12,000 base reward points plus 7,500 milestone points, totalling 19,500 points annually. Quarterly spend of ₹1.5 lakh clears the ₹75,000 threshold for airport lounge access every quarter. The ₹3 lakh milestone triggers the fee waiver, and welcome vouchers worth ₹5,000+ more than cover the ₹3,000 joining fee. This spend level extracts strong value from the card for domestic use. For heavy international spending, the 3.5% forex markup and no international lounge access mean a dedicated travel card is the better pick.

Call the ICICI Bank credit card helpline at 1800 1080 (toll-free). For concierge services, dial 18002670731 (Visa) or 1800-26-78729 (RuPay). You can also manage your card, raise disputes, and track rewards through the iMobile app or ICICI Bank internet banking.

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

Related Products

Pros

Cons