ICICI Rubyx Credit Card

Key Highlights of ICICI Rubyx Credit Card

Here are the main details applicants usually review before choosing the card.

• Joining Fee: ₹3,000 + GST
• Annual Fee: ₹2,000 + GST, which may be waived on reaching the required annual spending threshold
• Reward Rate: Earn ICICI reward points on retail transactions, with different earning rates for domestic and international spending
• Lounge Access: Complimentary airport lounge access at select domestic and international lounges
• Fuel Surcharge Waiver: 1% fuel surcharge waiver on eligible fuel transactions
• Best For: Travel, lifestyle privileges, and reward points on everyday spending
• Recommended For: Professionals and frequent travellers looking for premium features without moving to ultra-premium cards

Why Choose ICICI Rubyx Credit Card?

Many users find the ICICI Bank Rubyx credit card benefits useful because it offers lifestyle perks along with everyday rewards.

• Dual card benefit with RuPay network integration
• Complimentary Rubyx credit card lounge access for travellers
• Reward points on everyday retail spending
• Golf privileges and lifestyle benefits at select partner locations
• Dining offers and entertainment discounts through partner platforms
• Fuel surcharge waiver on eligible fuel transactions

What are the Features & Benefits of ICICI Rubyx Credit Card?

The card offers a mix of travel and lifestyle privileges along with practical rewards.

Feature	Details
Dual Card Advantage	The Rubyx credit card uses a dual-card structure, with cardholders receiving two cards linked to a single account. This helps improve acceptance and access to network-specific offers.
Airport Lounge Access	The ICICI Bank Rubyx credit card lounge access feature allows entry to select domestic and international airport lounges.
Reward Points on Spending	Cardholders earn reward points on eligible retail transactions. These points accumulate with regular spending and can later be redeemed for travel bookings, vouchers, or merchandise.
Golf Privileges	Complimentary golf rounds or lessons may be available at select courses depending on the cardholder’s spending level.
Dining and Lifestyle Offers	Dining deals and entertainment discounts are available through partner platforms associated with ICICI Bank.
Fuel Surcharge Waiver	A 1% fuel surcharge waiver applies to eligible transactions at petrol pumps across India within the specified purchase range.

What are the Fees & Charges of ICICI Rubyx Credit Card?

Below is an overview of the major charges for the ICICI Bank Rubyx credit card.

Charge Type	Details
Joining Fee	₹3,000 + GST
Annual Fee	₹2,000 + GST
Interest Rate	Around 3.75% per month on outstanding balances
Late Payment Fee	Based on the outstanding amount, ranging from ₹100 to ₹1,300
Foreign Currency Markup	Around 3.5% on international transactions, which form part of the ICICI Rubyx credit card international transaction charges
Cash Advance Fee	Usually, around 2.5% of the withdrawn amount

If you decide to convert any large purchase into instalments, using a Credit Card EMI Calculator can help estimate the monthly payment before selecting the EMI option.

What are the Reward Points & Cashback Value of ICICI Rubyx Credit Card?

The ICICI Rubyx Credit Card earns reward points through ICICI’s reward programme whenever the card is used for eligible purchases. Cardholders earn reward points on retail transactions based on the type of spending.

• 4 reward points for every ₹100 spent on international transactions
• 2 reward points for every ₹100 spent on domestic retail purchases
• 1 reward point for every ₹100 spent on utility and insurance payments

Over time, these points add up and can be redeemed through the ICICI rewards portal.

Reward points can be used for the categories, including:

• Health and Beauty products
• Travel and Luggage
• Shopping vouchers
• Home appliances
• Electronics
• Fashion and lifestyle items

Example

Suppose you spend ₹40,000 per month using the ICICI Rubyx Credit Card, with spending spread across different categories.

• ₹10,000 on international purchases: Earn 4 reward points per ₹100. Points earned: 400 reward points
• ₹25,000 on domestic shopping and dining: Earn 2 reward points per ₹100. Points earned: 500 reward points
• ₹5,000 on utility and insurance payments: Earn 1 reward point per ₹100. Points earned: 50 reward points

Total reward points earned in the month: 950 reward points

What are the Eligibility Criteria for the ICICI Rubyx Credit Card?

The ICICI Rubyx credit card eligibility requirements include the following conditions.

• Applicants must be between the ages of 21 and 65.
• Resident of India
• Should have a stable income source. A salaried individual should have a minimum monthly income of ₹75,000. Self-employed individuals need to have a minimum annual income of ₹9,00,000
• A good credit score and repayment history are preferred

Final approval depends on the bank’s internal credit evaluation

What are the Documents Required for the ICICI Rubyx Credit Card?

Applicants usually need to provide the following documents.

• Identity Proof: PAN Card, Aadhaar Card, Passport, or Driving Licence
• Address Proof: Aadhaar Card, utility bill, or bank statement
• Income Proof: Salary slips for salaried applicants or income tax returns / financial documents for self-employed applicants
• Bank Statements: Recent statements covering the last 3-6 months

How to Apply for ICICI Rubyx Credit Card through Urban Money?

Applying online is usually simple.

• Visit the Urban Money website
• Open the Credit Card section
• Choose ICICI Bank Credit Cards
• Against the ICICI Rubyx Credit Card, click Apply now
• Enter basic details like name, phone number and email address
• A specialist will contact you to assist with the remaining procedure.

Once approved, the card is issued and delivered to the registered address.

What are the Pros and Cons of the ICICI Rubyx Credit Card?

Understanding both advantages and limitations helps set the right expectations.

Pros

• Dual card advantage with RuPay network support
• Airport lounge access benefits
• Reward points on retail spending
• Golf privileges at select courses
• Dining and lifestyle partner offers

Cons

• Annual fee applicable unless waived
• The reward rate may vary by spending category
• Premium features may be limited compared to ultra-premium cards

Who Should Get the ICICI Rubyx Credit Card?

The Rubyx credit card suits users looking for a balance between lifestyle perks and regular spending rewards.

• Professionals who travel occasionally and value Rubyx credit card lounge access
• Individuals interested in golf privileges and dining offers
• People who want to earn reward points on routine spending
• Cardholders upgrading from entry-level cards
• Users looking for premium benefits without very high annual fees