ICICI Rubyx Credit Card
ICICI Bank
last updated: Oct 28, 2025
₹999
₹999
1.99%
6 visits/yr
Contents
ICICI Bank Rubyx (RuPay) Credit Card is a dual-benefit lifestyle card that rewards you on dining, travel, and everyday purchases. It offers complimentary lounge access, milestone rewards, and exclusive partner benefits. Ideal for professionals seeking premium perks, high reward rates, and travel privileges at an affordable fee.
Features of ICICI Rubyx Credit Card which makes it unique
Smart EMI
Convert large purchases to easy EMIs instantly.
Flexible repayment options with low interest rates.
Faster processing than other banks.
Spend Analyzer
AI-based tool to track and categorise your spending.
Helps manage monthly budgets efficiently.
Exclusive feature for ICICI cardholders.
Rewards Structure of ICICI Rubyx Credit Card
Dining
acceleratedRestaurants and dining partners
Earn higher rewards at leading restaurants and food outlets.
Shopping
baseAll merchants
Standard earn rate across all retail spends.
International Spends
acceleratedAll overseas transactions
Extra rewards on all international transactions.
Milestones of ICICI Rubyx Credit Card
Quarterly Milestone
₹50,000 : ₹500 cashback
Annual Milestone
₹3,00,000 : 3,000 bonus reward points
Fees & Charges of ICICI Rubyx Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| 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:Waived on ₹1,00,000 annual spend
Fee Explanation Standard bank rates apply for overdue amounts and are subject to change.
Lounge Access Benefits with ICICI Rubyx Credit Card
domestic Lounges
goldVisits per year: 4
Guest access: No
Valid for primary cardholder only; quarterly spend conditions apply.
international Lounges
platinumVisits per year: 2
Guest access: Yes
Accessible through partner lounges under Priority Pass.
Insurance Coverage with ICICI Rubyx Credit Card
Travel Insurance
₹10,00,000Applicable for international trips booked with the card.
Purchase Protection
₹50,000Covers purchases within 90 days of transaction.
Additional Features of ICICI Rubyx Credit Card
Contactless Payments
Tap to pay for quick and secure transactions.
Add-on Cards
Up to 3 free add-on cards for family members.
Welcome Bonus with ICICI Rubyx Credit Card
Welcome Bonus: 10,000 reward points
Bonus Conditions: Valid for new customers only; points credited after eligible transactions.
Application Process for ICICI Rubyx Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via Finanjo portal
Upload KYC documents
Receive verification call
Card dispatched within 7 days
Required Documents for ICICI Rubyx Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
ICICI Rubyx Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for ICICI Rubyx Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have a valid PAN and Aadhaar card.
How Approval Is Decided
- Minimum income ₹30,000/month
- Indian resident
- Credit score above 700
Pros of ICICI Rubyx Credit Card
- Strong reward structure across categories
- Lounge access and insurance benefits
- Annual fee waiver option
Cons of ICICI Rubyx Credit Card
- Annual fee applies if spend criteria not met
- Limited partner offers
- High milestone thresholds for casual users
Frequently Asked Questions about ICICI Rubyx Credit Card
Is there a joining fee?
Yes, ₹999 is charged as a joining fee. Welcome vouchers may apply for eligible users.
How can I waive the annual fee?
Spend ₹1 lakh or more in a year to get the annual fee waived.
What is the reward rate on this card?
Earn 2 reward points per ₹100 on regular spends and up to 5 points per ₹100 on dining.
Does the card offer lounge access?
Yes, complimentary domestic and international lounge visits are included as per eligibility.
What documents are required to apply?
Provide PAN/Aadhaar as ID proof, passport or utility bill for address, and income proof like payslip or Form 16.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.
