ICICI Bank Rubyx Credit Card
Rewards & Benefits
Welcome Benefits
Welcome benefit: Users can avail welcome vouchers worth ₹ 5,000+ within 45 days of payment of joining fees: Tata CliQ voucher worth Rs 2000. EaseMyTrip vouchers worth ₹ 2000. Uber voucher worth ₹ 250. Tata Croma vouchers worth ₹ 1000.
Milestone Benefits
Cashback Rate
1RP = Rs. 0.25.
Users will earn 2 reward points on every ₹100 domestic spends, effective cashback rate: 0.50%.
4 reward points on every ₹100 international spends, effective cashback rate: 1%.
1 reward point on every ₹100 on utilities and insurance, effective cashback rate: 0.25%.
Movie Benefits
Users can avail 25% discount upto Rs 150 on purchasing a minimum of 2 movie tickets per transaction on BookMyShow and Inox.
Dining Benefits
Other Benefits
Earn up to maximum of 15,000 
Lounge Access
Users will get 2 complimentary access per quarter to select airport lounges in India.
Rewards & Benefits
Welcome Benefits
Welcome benefit: Users can avail welcome vouchers worth ₹ 5,000+ within 45 days of payment of joining fees: Tata CliQ voucher worth Rs 2000. EaseMyTrip vouchers worth ₹ 2000. Uber voucher worth ₹ 250. Tata Croma vouchers worth ₹ 1000.
Milestone Benefits
Cashback Rate
1RP = Rs. 0.25.
Users will earn 2 reward points on every ₹100 domestic spends, effective cashback rate: 0.50%.
4 reward points on every ₹100 international spends, effective cashback rate: 1%.
1 reward point on every ₹100 on utilities and insurance, effective cashback rate: 0.25%.
Movie Benefits
Users can avail 25% discount upto Rs 150 on purchasing a minimum of 2 movie tickets per transaction on BookMyShow and Inox.
Dining Benefits
Other Benefits
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Lounge Access
Users will get 2 complimentary access per quarter to select airport lounges in India.
Fees & Charges
Joining Fee
3,000 + GST
Annual Fee
2,000 + GST from the second year onwards.
Cash Advance Fee
Cash Advance Fee:2.5% of the amount withdrawn, minimum Rs. 500.
Interest rate
Interest Rate:3.40% per month or 40.80% per year
Late Payment Fee
Late Payment Fee:Rs. 100 or 5% of the outstanding balance, whichever is higher.
Foreign Currency Transactions Fee
Foreign Currency Transaction Fee:3.5% on all international transactions.
Other Fees
Fees & Charges
Joining Fee
3,000 + GST
Annual Fee
2,000 + GST from the second year onwards.
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate:3.40% per month or 40.80% per year
Late Payment Fee
Late Payment Fee:Rs. 100 or 5% of the outstanding balance, whichever is higher.
Foreign Currency Transactions Fee
Foreign Currency Transaction Fee:3.5% on all international transactions.
Other Fees
Special Features
Users can earn up to a maximum of 15,000 ICICI Bank reward points every anniversary year with an ICICI Bank Rubyx credit card.
Eligibility Criteria
Citizenship: You must be a citizen of India.
Age:
Primary card: Minimum age is 23 years old.
Supplementary card: Minimum age is 18 years old.
Income:
Salaried: Minimum monthly salary of Rs. 50,000.
Self-employed: Minimum annual income of Rs. 5.5 lakhs.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Head to the website: Visit the official ICICI Bank Rubyx Credit Card application page: https://www.icicibank.com/
Select your preferred variant: Choose between the regular Rubyx Credit Card and the Emirates Skywards Rubyx Credit Card (offers additional travel benefits).
Fill in the details: Provide your accurate personal information, contact details, employment details, and income information.
Upload documents: Scan and upload copies of required documents, such as PAN card, Aadhaar card, proof of address, and latest salary slips/IT returns.
Review and submit: Carefully review your application before submitting it. Once submitted, you'll receive a confirmation message.
Contact Details
1800 1080
Account Opening and Procedure
Along with being the first dual platinum credit card in India, the ICICI Bank Rubyx Card can be considered an ideal card that provides its customers with exclusive Reward offers & all the other benefits that one might be looking for. It provides you with complimentary railway and airport lounge access, so it doesn’t matter whether you are travelling by train or on a flight; you are going to have a luxurious experience in both cases. Moreover, the reward points you earn can be redeemed against cash or gifts. The exclusive Insurance & concierge benefits can also not be ignored. With all these exciting benefits, the ICICI Bank Rubyx Card has become a great choice for everyone looking for an affordable credit card with great advantages.
Along with being the first dual platinum credit card in India, the ICICI Bank Rubyx Card can be considered an ideal card that provides its customers with exclusive Reward offers & all the other benefits that one might be looking for. It provides you with complimentary railway and airport lounge access, so it doesn’t matter whether you are travelling by train or on a flight; you are going to have a luxurious experience in both cases. Moreover, the reward points you earn can be redeemed against cash or gifts. The exclusive Insurance & concierge benefits can also not be ignored. With all these exciting benefits, the ICICI Bank Rubyx Card has become a great choice for everyone looking for an affordable credit card with great advantages.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai