ICICI Bank Rubyx Credit Card

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The ICICI Bank  Rubyx Credit Card is India’s first dual platinum credit card, offering both Visa and Mastercard versions under one account. It is ideal for frequent travelers and big spenders, with a joining fee of ₹3,000 and an annual fee of ₹2,000. Cardholders enjoy benefits like discounts on movie tickets (BookMyShow & Inox), complimentary access to airport and railway lounges, free golf rounds, concierge services, and insurance coverage. You can also earn up to 4 Reward Points for every ₹100 spent, which can be redeemed for cash or gifts.

Additionally, the card provides welcome vouchers worth ₹5,000 or more and offers discounts on dining. If you spend enough in a year, you can get your renewal fee waived. Currently, only the Visa variant is available. With perks across travel, entertainment, and shopping, this card is a great option for those looking to save while enjoying premium benefits.

Credit Card Detail
ICICI Bank Rubyx Credit Card
Joining Fee
Rs. 3000.00 +GST
Renewal Fee
Rs. 2000.00 +GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
Get Shopping and travel gift vouchers worth ₹5,000.
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Rewards Rate
Earn 4 Reward Points for every ₹100 spent internationally, 2 points on domestic spending, and 1 point on utility and insurance payments per ₹100 spent.
Reward Redemption
You can redeem reward points for gift vouchers or cashback, where 1 Reward Point equals ₹0.25.
Movie & Dining
Get 25% off on movie tickets (minimum 2 per booking, twice a month) on BookMyShow and INOX, with a maximum discount of ₹150. Also, save on dining with the Culinary Treats Program.
Travel
Get 2 free railway lounge visits every quarter.
Golf
Get up to 2 free golf lessons or rounds each month (1 for every ₹50,000 spent the previous month).
Domestic Lounge Access
Get 1 free domestic airport lounge access per quarter with the Mastercard variant and 2 free accesses per quarter with the Visa variant.
International Lounge Access
N/A
Insurance Benefits
Get free insurance coverage for air accidents, hijacking, lost or delayed baggage, lost card, travel documents, and credit protection.
Interest Rates
3.40% interest per month (40.8% per year).
Spend-Based Waiver
The renewal fee is waived if you spend ₹3 lakhs or more in a year.
Rewards Redemption Fee
Rs. 99 + GST
Cash Advance Charges
2.5% of the withdrawn amount or ₹300, whichever is higher.
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
Get a 1% fuel surcharge waiver on transactions up to ₹4,000 at any fuel station in India.
Card Details
  • India’s first dual Platinum Credit Card with Visa and Mastercard options.
  • Earn flexible reward points on various spends.
  • Enjoy exclusive perks on dining, entertainment, wellness, and golf.
  • Chip and PIN security for protection against fraud.
  • 24x7 concierge service (i-Assist) for travel, hotel, and car rentals.
  • Earn 2X reward points on international spending and 2 Reward Points per ₹100 on domestic spending.
  • Earn 1 Reward Point per ₹100 spent on utilities and insurance.
  • Get shopping and travel vouchers worth ₹5,000 as a welcome benefit.
  • Up to 2 free golf rounds or lessons every month (1 per ₹50,000 spent in the previous month).
  • 2 free domestic airport lounge visits and 2 railway lounge visits per quarter.
  • Buy 1 movie ticket on BookMyShow, get 1 free.
  • 25% discount (up to ₹150) on booking at least 2 movie tickets on BookMyShow or Inox (twice a month).
  • Get 15% off on dining bills through the ICICI Bank Culinary Treats Program.
  • Exclusive insurance benefits, including ₹1 crore air accident cover and ₹50,000 lost card liability protection.
  • Renewal fee waived on spending ₹3 lakh in a year.
  • Extra Reward Points on reaching specific spending milestones.
Pros/Cons
Pros
- Enjoy 2 free golf rounds every month, ₹1 crore air accident insurance, and a fuel surcharge waiver at any fuel station. Plus, get up to ₹50,000 protection if your card is lost.
Cons
- To get insurance benefits, you must use the card at least once in the last 60 days. Lounge access is only available if you spend ₹5,000 or more in a quarter. There's a ₹99 fee for redeeming rewards, and the joining fee is high compared to the rewards earned.
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Frequently Asked Questions

What are the income requirements for this credit card?

Salaried individuals need a minimum monthly income of ₹50,000, while self-employed applicants must earn at least ₹75,000 per month.

What is the interest rate on outstanding dues?

The card carries an interest rate of 3.40% per month, equivalent to 40.8% per year.

How can I use the reward points earned on my ICICI Rubyx Credit Card?

Reward points can be redeemed for cashback or gifts at a value of ₹0.25 per point by contacting customer care.

What are the key benefits of the ICICI Rubyx Credit Card?

It offers ₹5,000 worth of welcome vouchers, up to 4 reward points per ₹100 spent, discounts on dining and movies, and a renewal fee waiver upon meeting spending criteria.

Is the ICICI Rubyx Credit Card free for life?

Yes, new users receive ₹5,000 worth of travel and shopping vouchers within 30 days of paying the joining fee.

How many railway lounge visits are allowed per quarter?

Cardholders can enjoy up to 4 complimentary railway lounge visits every quarter (2 via Mastercard and 2 via American Express).

Does the card offer insurance coverage?

Yes, it includes an air accident insurance cover of ₹1 crore.

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