ICICI Rubyx Credit Card
ICICI Bank
Last updated: Feb 03, 2026
₹999
₹750
1.99%
16 visits/yr
Contents
ICICI Bank Rubyx is a value-oriented lifestyle credit card that bundles welcome vouchers, periodic lounge access and entertainment discounts. The card targets customers who want routine rewards on everyday spends plus occasional travel and lifestyle perks. It’s a good fit for users seeking modest annual fees with practical benefits.
Features of ICICI Rubyx Credit Card which makes it unique
Welcome Vouchers Pack
Vouchers from popular merchants on payment of joining fee
Immediate value on card activation
Competitive first-year value vs peers
Lounge Access on Qualifying Spend
Quarterly lounge access when spend thresholds are met
Practical travel perks for moderate spenders
Accessible lounge benefit without very high annual spend
Rewards Structure of ICICI Rubyx Credit Card
Milestones of ICICI Rubyx Credit Card
Quarterly Lounge Eligibility
₹75,000 (calendar quarter) : Eligible for complimentary domestic lounge visits in the following quarter
Annual Spend Milestone
₹3,00,000 (annual) : Bonus reward points on reaching the milestone (see bank terms)
Fees & Charges of ICICI Rubyx Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹750 |
| 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:Annual fee may be waived or reduced based on specified annual spend thresholds or bank offers.
Fee Explanation Standard bank rates apply for overdue amounts and cash advances; refer to the bank's Terms & Conditions for exact calculations.
Detailed Explanation of ICICI Rubyx Credit Card Fees
Joining Fee: 750 (one-time)
Joining fee applicable; offers may change per bank promotion.
Annual Fee: 999 (yearly)
Waiver or reduction possible based on annual spend or bank promotion.
Cash Advance Fee: 2.5% (transaction)
Minimum charges may apply; refer to bank T&Cs.
Lounge Access Benefits with ICICI Rubyx Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Two complimentary domestic airport lounge visits per quarter on meeting prior-quarter spend eligibility (see bank terms).
domestic Lounges
silverVisits per year: 8
Guest access: No
Railway lounge visits available per year subject to transaction and eligibility requirements.
Insurance Coverage with ICICI Rubyx Credit Card
Travel insurance
₹10,00,000Coverage and eligibility depend on type of travel and card variant; check membership kit.
Purchase protection
₹50,000Applies for eligible purchases within a specified timeframe; refer to bank terms.
Additional Features of ICICI Rubyx Credit Card
Contactless Payments
Tap-to-pay enabled for quick transactions
Add-on Cards
Add-on cards available as per bank policy
Up to bank-specified number of add-ons; charges may apply for replacements.
Welcome Bonus with ICICI Rubyx Credit Card
Welcome Bonus: Vouchers worth ₹5,250
Bonus Conditions: Welcome vouchers (approx. ₹5,250) are provided on payment of the joining fee; brands and exact voucher mix vary by offer and may require activation within specified timelines.
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 ICICI Bank portal or authorised channels
Upload KYC and income documents
Receive verification call and OTP verification
Card dispatched within bank-specified timeline after approval
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 (Visa network)
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for ICICI Rubyx Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹20,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must provide valid PAN and Aadhaar (or other KYC documents) as per bank policy.
How Approval Is Decided
- Minimum income as per bank eligibility
- Indian resident
- Credit score above benchmark (typically 700+ for better chances)
Pros of ICICI Rubyx Credit Card
- Valuable welcome voucher pack
- Periodic lounge access for eligible spenders
- Good entertainment discounts like BookMyShow/INOX
Cons of ICICI Rubyx Credit Card
- Joining fee applicable (offers often tied to fee payment)
- Milestone benefits require higher annual spends for best value
Frequently Asked Questions about ICICI Rubyx Credit Card
Which documents are required to apply?
Standard KYC documents such as PAN, Aadhaar, address proof and income proof (for salaried/self-employed applicants) are required.
Is there a joining fee?
Yes. A joining fee is applicable (typically ₹750) and welcome vouchers are provided on payment of the fee.
What are the annual fee waiver conditions?
Annual fee waivers or reductions may apply based on annual spend thresholds or bank promotions; check the membership kit for details.
How can I get complimentary lounge access?
Complimentary lounge visits are available after meeting the qualifying spend threshold in the prior quarter; refer to the bank's eligibility rules.
What is included in the welcome benefit?
The welcome benefit typically includes vouchers from select partner brands (value published by the bank) upon payment of the joining fee.
Can I convert large purchases into EMI?
EMI conversion options may be available via the bank or partner merchants; terms and interest will vary by transaction and promotion.
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