The ICICI Bank Rubyx Credit Card is available in Visa, Mastercard, and Amex versions for those who spend high and are looking for a combination of lifestyle and travel benefits. The card provides welcome vouchers of more than ₹5,000, 4 reward points for each ₹100 spent, and free airport and railway lounge passes every quarter. Cardholders also get movie ticket discounts on BookMyShow, golf access, and a 15% discount on dining at partner restaurants. The membership fee is ₹3,000, and the annual fee of ₹2,000 is waived off if ₹3 lakhs are spent on the card last year. It is best suited for people who spend a lot on travel, entertainment, and shopping, and also seek high-value rewards.
The ICICI Bank Rubyx Credit Card benefits provides lifestyle, travel, dining, and entertainment privileges, making it a good option for regular spenders who look for premium benefits.
ICICI Bank Rubyx Credit Card Welcome Benefits
Receive a set of welcome vouchers worth over ₹5,250 from top brands like TataCliq, EaseMyTrip, and Uber on becoming a new ICICI Bank Rubyx Credit Card member. These vouchers are provided within 45 days of joining fee payment and are a direct value addition, especially for frequent shoppers and travellers.
| Voucher Type | Voucher Value | Details |
|---|---|---|
| Tata CliQ | ₹ 2,000 | Single voucher |
| EaseMyTrip | ₹ 2,000 | Two vouchers of ₹ 1,000 each |
| Uber | ₹ 250 | Single voucher |
| Tata Croma | ₹ 1,000 | Two vouchers of ₹ 500 each |
| Total Value | ₹ 5,250+ |
Travel benefits
Cardholders are also entitled to an air accident cover of ₹1 crore, which covers financial loss in the case of air travel. On top of that, the card also carries a credit shield of ₹50,000, which covers outstanding amounts in case of an unexpected turn of events. Overseas travelers also receive the advantage of baggage coverage up to ₹25,000, loss of documents while traveling up to $500, and compensation for flight delays of over 12 hours.
ICICI Bank Rubyx Credit Card Lounge Access
Cardholders are entitled to a maximum of 2 free domestic airport lounge visits within a quarter. This amenity is offered across Visa, Mastercard, and American Express versions of the card, and is enabled through the Dreamfolks network or respective card networks. For availing of this benefit, a spend of a minimum of ₹75,000 within the previous calendar quarter is necessary. These lounges usually have comforts such as comfortable seating, complimentary drinks and snacks, clean toilets, free Wi-Fi, charging facilities, and more, making the passengers relax before their journey. Below are the partial list of lounge access over different cities, its advisable to check official icici bank website for full list.
| City | Lounge Name | Airport |
|---|---|---|
| Bengaluru | BLR Lounge | Kempegowda International Airport |
| Mumbai | Travel Club / Loyalty Lounge | Chhatrapati Shivaji Int’l Airport |
| Delhi | Encalm Lounge | Indira Gandhi International Airport |
| Hyderabad | Plaza Premium Lounge | Rajiv Gandhi International Airport |
| Chennai | Travel Club Lounge | Chennai International Airport |
| Kolkata | Travel Club Lounge | NSCB International Airport |
| Goa | Good Times Lounge | Dabolim Airport |
| Pune | Earth Lounge | Pune Airport |
| Ahmedabad | Port Lounge | Sardar Vallabhbhai Patel Airport |
| Cochin | Earth Lounge | Cochin International Airport |
The Rubyx Card also provides 2 free railway lounge entries per quarter at major Indian railway stations. The lounges belong to IRCTC and feature air-conditioned waiting areas, free food, newspapers, and access to Wi-Fi. The advantage does not require any minimum spend requirement, so this is an added feature for frequent train travelers.
| City | Lounge Name | Railway Station |
|---|---|---|
| New Delhi | Executive Lounge | New Delhi Railway Station |
| Jaipur | Executive Lounge | Jaipur Railway Station |
| Agra | Executive Lounge | Agra Cantt Railway Station |
| Ahmedabad | Executive Lounge | Ahmedabad Railway Station |
| Varanasi | Executive Lounge | Varanasi Railway Station |
| Sealdah | Executive Lounge | Sealdah Railway Station |
| Vijayawada | Executive Lounge | Vijayawada Railway Station |
| Madurai | Executive Lounge | Madurai Railway Station |
Its advisable to refer official ICICI bank website for full list.
ICICI Bank Rubyx Credit Card Milestone Benefits
The ICICI Bank Rubyx Credit Card provides milestone rewards that reward steady annual spend. When you spend ₹3,00,000 in an anniversary year, you get 3,000 reward points as a bonus. Apart from this, for every extra ₹1,00,000 you spend, you get an extra 1,500 reward points with a maximum of up to 15,000 bonus points per annum. These points get credited towards the end of your card anniversary cycle and are on top of your normal reward earnings, making it an attractive feature for high annual spend users.
Golf Benefits
The cardholders are entitled to free golf lessons or golf rounds in designated golf courses, allowing them to enhance their skills or play the game without further expense. Particularly, cardholders can earn one free round or lesson of golf for each ₹50,000 in retail spend made in the last calendar month, with a cap of two such benefits each month.
Book My Show Benefits
ICICI Bank Rubyx Credit Card members have the added benefit of 25% cashback and offers on BookMyShow movie ticket bookings. The users usually get a maximum of ₹150 as cashback on a minimum purchase of ₹600, thus making movie nights less expensive.
ICICI Bank Rubyx Credit Card Rewards Redemption
ICICI Bank Rubyx Credit Card offers a reward scheme that is beneficial as well as profitable for customers who are making purchases in various categories. Based on genuine statistics released by ICICI Bank, the card gives you 4 reward points on every ₹100 spent abroad, which proves useful especially for customers who shop from foreign websites or travel abroad more frequently. For retail shopping at home, you get 2 points per ₹100 spent, and on expenses towards utility and insurance, you get 1 point per ₹100.
Value-wise, reward points are usually redeemable at ₹0.25 per point, and points can be redeemed using the ICICI Bank Rewards website. You can redeem points for travel reservations, shopping coupons, gadgets, and lifestyle products. Redemptions incur a handling charge of ₹99, which is typical with most high-end credit cards.
ICICI Bank Rubyx Credit Card Charges
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | ₹3,000 + GST |
| Welcome Benefit | Vouchers worth ₹5,000+ from select brands |
| Annual Fee (2nd year onwards) | ₹2,000 + GST |
| Annual Fee Waiver | Waived on annual spends of ₹3,00,000 or more |
| Finance Charges | 3.40% per month (40.8% per annum) |
| Cash Advance Charges | 2.5% of the amount withdrawn (Minimum ₹300) |
| Over-limit Charges | 2.5% of the over-limit amount (Minimum ₹500) |
| Late Payment Charges |
₹0 – ₹100: Nil ₹100 – ₹500: ₹100 ₹501 – ₹10,000: ₹500 Above ₹10,000: ₹750 |
| Foreign Currency Mark-up | 3.5% |
| Redemption Handling Fee | ₹99 per request |
| Card Replacement Fee | ₹100 |
| Duplicate Statement Fee | ₹100 per statement |
| Cash Payment at Branches | ₹100 per payment |
| Auto-Debit Return Fee | 2% of total amount due (Minimum ₹450) |
| Outstation Cheque Fee | 1% of cheque value (Minimum ₹100) |
| Charge Slip Retrieval Fee | ₹100 per slip |
ICICI Bank Rubyx Credit Card Eligiblity
ICICI Bank Rubyx Credit Card requires Indian citizenship, who are 23 years or older, with a salary of at least ₹50,000 per month for salaried and an income of ₹5.5 lakh per year for self-employed applicants. A good credit rating of around 750 and above is necessary for approval.
They must provide valid proof of identity like PAN or Aadhaar card, address proof like utility bills or passport, and income proof—salary slips or Form 16 for salaried and income tax returns with bank statements for the self-employed. A recent passport-sized photo is also mandatory.
How to Apply Online for ICICI Bank Rubyx Credit Card
- Visit the official ICICI Bank website and select the Rubyx Credit Card page.
- Click on “Apply Now” to start with your application.
- Provide your personal information, like name, date of birth, and contact details.
- Provide your income and employment details as requested.
- Upload documents such as ID proof (PAN/Aadhaar), address proof, and proof of income (salary slips or bank statements).
- Check everything thoroughly to ensure that all information is accurate.
- Send in your application.
- Monitor your application status at any time on the ICICI Bank website.
ICICI Bank Rubyx Credit Card Review
The ICICI Bank Rubyx Credit Card is excellent value in particular for frequent domestic travelers and shoppers. Another benefit that free railway lounge access with no spend constraints, airport lounges have simple spending requirements but achievable, which makes travel a lot more relaxing. While a ₹3,000 joining fee might look expensive but, it is compensated by welcome vouchers worth over ₹5,000, so the overall joining fees will be almost zero. However, one must observe that the vouchers need to be redeemed on several platforms, which can be troublesome to some customers and might further result in underutilization.
From a rewards perspective, the card offers a basic but competitive rewards points conversion rate, similar to other premium cards in its category. The BookMyShow advantages offer additional entertainment cashback, attracting users who book movie tickets frequently. Free golf benefits are also offered, but the feature is for a golf intrested audience due to the low popularity of golf in India. Milestone rewards supplement the card’s value proposition through the offering of rewards to frequent and repeat users.
Overall, looking at a fees, and benefits, ICICI Bank Rubyx Credit Card is best suited for frequent travelers as well as shopping interested users get equal ratio of travel benefits and lifestyle rewards.
FAQ
Q1. What are the welcome benefits of the ICICI Bank Rubyx Credit Card?
The card provides welcome gift vouchers that total value of ₹5,250, such as vouchers for Tata CliQ, EaseMyTrip, Uber, and Tata Croma. These are provided within 45 days of joining fee payment.
Q2. Is lounge access free with the Rubyx Credit Card?
Yes, the card provides complimentary access to selected or partner domestic airport lounges (2 per quarter) and railway lounges (1 per quarter), making it ideal for frequent travelers.
Q3. what re the reward points on the Rubyx Credit Card?
The card offers a competitive reward structure with 2 to 4 points per ₹100 spent, depending on the category. Points can be redeemed for gifts, travel, and vouchers through ICICI’s rewards portal.
Q4. What is the joining fee for this card?
Joining fees are ₹3000 and annual fees are ₹2000.
Q5. Who should consider applying for the ICICI Rubyx Credit Card?
This card is ideal for frequent domestic travelers and urban consumers who can gain from lounge access, milestone rewards, lifestyle privileges, and entertainment benefits.
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