ICICI Rubyx (Amex) Credit Card
ICICI Bank
Last updated: Feb 03, 2026
₹2,000
₹3,000
1.99%
16 visits/yr
Contents
ICICI Bank Rubyx (Amex) is a premium lifestyle credit card built for shopping, travel and dining. It bundles welcome vouchers, lounge and railway lounge privileges, and milestone rewards. Suited to customers who want high-value partner vouchers and curated lifestyle benefits.
Features of ICICI Rubyx (Amex) Credit Card which makes it unique
Welcome Vouchers
Vouchers from retail and travel partners on joining fee payment
Immediate value offsetting joining fee
Competitive compared with similar premium cards
Railway Lounge Access
Complimentary railway lounge visits each year
Comfort during travel
Useful for frequent rail travellers
Rewards Structure of ICICI Rubyx (Amex) Credit Card
Milestones of ICICI Rubyx (Amex) Credit Card
Annual Milestone
₹3,00,000 : Reward points bonus on achieving annual spend
Additional Spend Bonus
Every ₹1,00,000 after milestone : Extra reward points credited as per bank policy
Fees & Charges of ICICI Rubyx (Amex) Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹3,000 |
| Annual Fee | ₹2,000 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee waiver on meeting specified annual spend threshold; check latest T&Cs.
Fee Explanation Standard bank interest and charges apply for overdue and cash transactions as per ICICI Bank terms.
Detailed Explanation of ICICI Rubyx (Amex) Credit Card Fees
Joining Fee: ₹3,000 + GST (one-time)
Welcome vouchers issued on joining fee payment; check bank T&Cs.
Annual Fee: ₹2,000 + GST (yearly)
Waiver available on meeting specified annual spend threshold.
Cash Advance Fee: 2.5% (transaction)
Minimum charges may apply.
Lounge Access Benefits with ICICI Rubyx (Amex) Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Complimentary domestic airport lounge visits subject to quarterly spend criteria; refer to bank T&Cs.
domestic Lounges
silverVisits per year: 8
Guest access: No
Railway lounge visits subject to eligibility rules and variant.
Insurance Coverage with ICICI Rubyx (Amex) Credit Card
travel insurance
₹10,00,000As per card membership terms on international travel
purchase protection
₹50,000Covers eligible purchases within stipulated days of purchase
Additional Features of ICICI Rubyx (Amex) Credit Card
Contactless Payments
Tap-and-pay enabled for fast POS transactions
Concierge Services
24x7 concierge for bookings and assistance
Subject to card membership terms
Welcome Bonus with ICICI Rubyx (Amex) Credit Card
Welcome Bonus: Vouchers worth ₹5,000
Bonus Conditions: Welcome vouchers provided on payment of joining fee; subject to eligibility and T&Cs; new cardholders only.
Application Process for ICICI Rubyx (Amex) Credit Card
Processing Time
5-10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via ICICI Bank card portal or branch
Upload KYC documents and income proof
Receive verification call or message
Card dispatched upon approval (timelines per bank)
Required Documents for ICICI Rubyx (Amex) Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
ICICI Rubyx (Amex) Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India
International Acceptance
Accepted where American Express is supported
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for ICICI Rubyx (Amex) Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and KYC documents required; subject to bank's internal eligibility checks.
How Approval Is Decided
- Minimum income as per bank standards
- Indian resident
- Satisfactory credit history
Pros of ICICI Rubyx (Amex) Credit Card
- Generous welcome voucher package
- Lounge and railway lounge access
- Useful lifestyle and entertainment offers
Cons of ICICI Rubyx (Amex) Credit Card
- Joining and annual fees apply
- Rewards and lounge access subject to spend thresholds
- Some partner offers are variant specific
Frequently Asked Questions about ICICI Rubyx (Amex) Credit Card
Is there a joining fee?
Yes. The Rubyx card typically carries a joining fee (often quoted around ₹3,000 + GST) with welcome vouchers issued on payment; confirm latest rates on ICICI's site.
How do I get lounge access?
Domestic airport lounge access and railway lounge privileges are offered but are subject to quarterly/annual spend criteria; check the card's membership T&Cs.
What is the welcome voucher value?
Current product information lists welcome vouchers worth around ₹5,000 on joining fee payment; terms and partners vary.
Is the annual fee waivable?
Yes. Annual fee waiver or partial waiver is possible on meeting specified annual spends — review the bank terms for exact thresholds.
Who is eligible to apply?
Indian residents meeting the bank's minimum income and credit criteria can apply; standard KYC (PAN, address proof, income proof) required.
Are fuel transactions eligible for rewards?
Some ICICI reward programmes exclude fuel; check the latest product terms for Rubyx earn rules and exclusions.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.