ICICI Bank Rubyx Credit Card

Key highlights of ICICI Bank Rubyx Credit Card

The table below lists the key highlights of the ICICI Bank Rubyx Credit Card and what they mean for you:

Feature	Details
Joining fee	₹3,000 + GST (with welcome vouchers worth over ₹5,000)
Annual fee	₹2,000 + GST (waivable on spends ≥ ₹3,00,000/year)
Reward rate	2 pts/₹100 (domestic), 4 pts/₹100 (international), 1 pt/₹100 (utilities/insurance)
Lounge access	2 domestic airport lounge visits/quarter (spend ≥ ₹75,000/quarter), + 2 railway lounges/quarter
Fuel surcharge waiver	1% on fuel spends ₹400–₹4,000
Best for	Frequent travellers & lifestyle spenders seeking travel, entertainment & concierge perks

Why choose ICICI Bank Rubyx Credit Card?

The ICICI Bank Rubyx Credit Card is suited to frequent travellers and lifestyle spenders who want a mix of travel benefits and a rewards programme. It offers welcome vouchers worth over ₹5,000 and airport lounge access. You earn reward points on domestic and international spends, with milestone-based bonuses. Additional features include golf privileges, a fuel surcharge waiver, round-the-clock concierge support and insurance cover.

Features and benefits of the ICICI Bank Rubyx Credit Card

Here are the key ICIC Bank Rubyx Credit Card benefits and features and what they mean for you:

Features and benefits	What they mean for you
Welcome and joining benefits	Vouchers worth over ₹5,000 from partners like Tata CliQ, EaseMyTrip, Croma & EazyDiner; movie discounts up to 25%
Dual network advantage	More reward-earning opportunities across American Express and Mastercard/Visa networks
Reward points and milestone bonuses	Reward points on every eligible spend (2 points per ₹100 domestic, 4 points per ₹100 international); additional points when you meet annual spending thresholds
Lounge access	Complimentary domestic airport lounge access (2 per quarter for the primary cardholder upon meeting minimum spend criteria); railway lounge access at select stations
Golf benefits	Up to 2 complimentary rounds or golf lessons per month on spending a qualifying amount
Lifestyle, dining and entertainment offers	Discounts on dining at partner restaurants; offers on movie tickets via platforms like BookMyShow and INOX
Fuel surcharge waiver	1% surcharge waiver on fuel transactions from ₹400-4,000 at petrol pumps across India
Insurance and security	Complimentary air accident insurance coverage on tickets purchased via card; enhanced chip and PIN security
Concierge services	24×7 i-Assist concierge support for travel and lifestyle assistance including hotel bookings, restaurant referrals, gifts, tickets, and car rentals

Fees and charges of ICICI Bank Rubyx Credit Card

Here are the key ICICI Rubyx Credit Card charges and fees associated with the ICICI Bank Rubyx Credit Card:

Fee / Charge Type	Details / Typical Rates
Joining fee	₹3,000 + GST (one-time)
Annual fee	₹2,000 + GST (from 2nd year onwards; waivable on spends ≥ ₹3,00,000/year)
Interest Rate (Finance Charge)	3.40% per month (40.8% p.a.) on outstanding balances & cash advances
Late payment fee	Up to ₹750 (varies by outstanding amount)
Foreign currency markup	3.5% on international transactions
Cash advance fee	2.5% of amount withdrawn (min ₹300)
Additional common charges	Over-limit fee 2.5% (min ₹500), redemption handling fee ₹99, card replacement fee ₹100, duplicate statement fee ₹100, auto-debit return fee, etc.

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Reward points and cashback value of the ICICI Bank Rubyx Credit Card

ICICI Rubyx Credit Card reward points value

1 Reward Point = ₹0.25 (i.e., 25 paise). So, every reward point you earn on the Rubyx card is worth about ₹0.25 when redeemed for cashback, vouchers, travel, merchandise, etc.

Reward earning rates

Spend category	Points Earned	Cashback Value (Approx)
Domestic purchases	2 RP per ₹100	₹0.50 (0.50%)
International spends	4 RP per ₹100	₹1.00 (1.0%)
Utilities and insurance	1 RP per ₹100	₹0.25 (0.25%)

Cashback % (effective return)

Using the value of ₹0.25 per point, the effective cashback you get on your spends is:

• Domestic: 2 RP = ₹0.50 back on ₹100 spent = 0.50% effective reward.
• International: 4 RP = ₹1 back on ₹100 spent = 1.0% effective reward.
• Utilities/insurance: 1 RP = ₹0.25 back = 0.25% effective reward.

These point values remain roughly the same whether you redeem for statement credit, gift vouchers or travel products (subject to availability and redemption channels).

Example

Spend category	Spend Amount	Points Earned	Value per Point	Cashback Value	Effective % Return
Domestic	₹10,000	2 × (10,000/100) = 200 pts	₹0.25	200 × ₹0.25 = ₹50	0.50%
International	₹25,000	4 × (25,000/100) = 1,000 pts	₹0.25	1,000 × ₹0.25 = ₹250	1.00%
Utilities/insurance	₹5,000	1 × (5,000/100) = 50 pts	₹0.25	50 × ₹0.25 = ₹12.50	0.25%
Annual milestone bonus (example)	₹3,00,000 spend/year	4,000 bonus pts	₹0.25	4,000 × ₹0.25 = ₹1,000	— Extra reward

Eligibility criteria for ICICI Bank Rubyx Credit Card

You need to meet the following ICICI Rubyx Credit Card eligibility criteria if you want to apply for the card:

• Age: 21-65 years for primary cardholder; 18+ years for supplementary (add-on)
• Minimum income: ₹50,000 monthly income for salaried; ₹5.5-6 lakh annual income for self-employed
• Residency: Indian resident (NRIs may also be eligible)
• Credit score: 750+ preferred

Documents required for ICICI Bank Rubyx Credit Card

If you are planning to apply for the ICICI Bank Rubyx Credit Card, here is a checklist of documents you will require:

• Identity and address proof: PAN, Aadhaar, Passport, Driving Licence, Voter ID, Utility bill, Rent agreement.
• Income proof: Latest 3 months’ salary slips for salaried; ITR with computation sheet for self-employed.
• Additional documents (if requested): Bank statements, Form 16, audited financials (for self-employed)

How to apply for ICICI Bank Rubyx Credit Card via Urban Money?

You can apply for ICICI Bank Rubyx Credit Card via Urban Money in these simple steps:

• Step 1: Visit www.urbanmoney.com or the Urban Money app and go to the Credit Card section.
• Step 2: Select ICICI Bank from the list of partner banks and ICICI Bank Rubyx Credit Card from the available options.
• Step 3: Click Apply Now to begin the online application process.
• Step 4: Fill in basic details such as name, contact, email, and city.
• Step 5: Verify your mobile number using the OTP.
• Step 6: Upload KYC & income documents (PAN, Aadhaar, salary slips/ITR, address proof, etc).
• Step 7: Submit the completed form online. Urban Money shares it with ICICI Bank for review.
• Step 8: After ICICI Bank completes the verification and approval process, your card is dispatched to your address.

Pros and cons of ICICI Bank Rubyx Credit Card

The following comparative table lists the key pros and cons of the ICICI Bank Rubyx Credit Card:

Pros	Cons
Comprehensive lifestyle and travel benefits	Conditional lounge access
Strong insurance coverage	Low reward rate for everyday spend
Attractive welcome benefits	High forex markup
Strong reward points	High annual and joining fees (if you don’t meet spend thresholds)
Fuel surcharge waiver	Reward redemption fee
Spend-based fee waiver	Complex terms and conditions

Who should get ICICI Bank Rubyx Credit Card?

The ICICI Bank Rubyx Credit Card is best suited for frequent travellers, lifestyle and entertainment lovers, reward-focused spenders, premium/high spenders, and professional and business users. It may not be the best fit for casual users.