ICICI Bank Rubyx Credit Card

ICICI Rubyx Credit Card Reward Rate

• Earn 4 Reward Points on every international spend of ₹100 with this card. Although this card offers 1% Reward Rate for international spending, it’s not advised to do so as this card charges 3.5% in foreign currency charges.
• Earn 2 Reward Points on every domestic spend of ₹100. A Reward Rate of 0.5%.
• 1 Reward Point on every spend of ₹100 on utility and insurance categories.

Reward Points Redemption

Reward Points can be redeemed against a wide variety of options such as gift vouchers, product catalogue, travel vouchers, and more.

1 Reward Point = ₹0.25

ICICI Rubyx Other Benefits & Features

The ICICI Rubyx Credit Card is a unique card offered by the bank with exceptional benefits and features. To give you a great start to your journey, the card gets you exciting welcome gifts. Other advantages of the card include its reward program, travel benefits, movie & dining benefits, milestone benefits, and many more. To know all its benefits in detail, refer to the information given below:

Welcome Benefits

• Travel & shopping vouchers worth ₹5,000 or more as a welcome gift. You get the welcome gift within 45 days after payment of the joining fee.
• Get a complimentary EazyDiner Prime 3-month membership. This membership shall be valid once per account between July 3, 2025, and June 30, 2026. To activate the membership, you need to apply a coupon code. The coupon itself will be valid until June 30, 2027.

Check Detailed Joining Benefits

Milestone Benefits

• You get 3,000 Reward Points on spending ₹3 lakhs and 1,500 Reward Points for every subsequent spend of ₹1 lakh in an anniversary year.
• A maximum of 15,000 additional Reward Points can be earned in a year as a milestone benefit.
• The renewal fee is waived off on a minimum expenditure of ₹3 lakh in the previous year.

Free Airport Lounge Access

Cardholders get two complimentary domestic lounge accesses every quarter with the ICICI Bank Rubyx Credit Card. This benefit shall be unlocked after achieving spends of ₹75,000 or more in a quarter.

Free Railway Lounge Access

You get two complimentary railway lounge accesses each quarter. This is only available to the primary cardholder. Railway lounge access is available at the following stations.

• Delhi – Executive Railway Lounge
• Agra- Executive Railway Lounge
• Jaipur- Executive Railway Lounge
• Ahmedabad- Executive Railway Lounge
• Madurai- Executive Railway Lounge
• Kolkata (Sealdah)- Executive Railway Lounge

Movie & Dining Benefits

• Avail a discount of 25% (up to ₹150) on purchasing a minimum of two movie tickets on BookMyShow 2 times a month (one-time each on Mastercard & American Express variants).
• Exciting Discounts on dining bills at partner restaurants with the ICICI Bank Culinary Treats Program.

Golf Benefits

• 1 complimentary golf round/lesson for every ₹50,000 spent in the previous month.
• You can get a maximum of 2 golf lessons/rounds each month.

Concierge Benefits

You get access to ICICI Bank’s 24×7 concierge service, i-Assist for assistance regarding hotel reservations, flight ticket booking, movie ticket bookings, restaurant referrals and table reservations, car rental, flower and gift delivery, etc. Apart from this, you also get medical concierge privileges and emergency auto assistance with the ICICI Rubyx Card.

Fuel Surcharge Waiver

1% fuel surcharge waiver is provided for all fuel transactions of up to ₹4,000 across all fuel stations in India.

ICICI Bank Rubyx Credit Card Fees & Charges

• The ICICI Rubyx Credit Card charges a joining fee of ₹3,000 (for the first year only) and an annual fee of ₹2,000 every year from the second year. However, this annual fee can be waived on spending ₹3 lakhs or more in the previous year.
• The interest rate on the ICICI Rubyx Credit Card is 3.75% per month (45% per annum).
• When you withdraw cash using your ICICI Rubyx Card, a cash advance fee of 2.5% or ₹500 is charged on your card.
• To make transactions in a foreign currency using your ICICI Rubyx Credit Card, you will be charged a forex markup fee of 3.5% of the transaction amount.

ICICI Rubyx Credit Card Eligibility

You need to fulfil the following eligibility criteria in order to get approved for the ICICI Rubyx Credit Card:

How to Apply for ICICI Rubyx Credit Card?

The ICICI Bank provides you with several online as well as offline ways to apply for the ICICI Rubyx Credit Card. You can simply visit your nearest branch and fill in the physical application form to apply for the card. If you want to apply online, just follow a few simple steps as mentioned below:

• Click on the Apply Now button.
• Fill in all the required details and complete the documentation.
• Submit your application.

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ICICI Bank Rubyx Credit Card Review

As the first dual platinum credit card in India, the ICICI Bank Rubyx Card is ideal, offering its customers exclusive rewards and offers along with several other benefits they might be looking for.

This card provides you with complimentary railway and airport lounge access, so it doesn’t matter whether you are travelling by train or on a flight; you are going to have a luxurious experience in both cases. Moreover, the reward points you earn can be redeemed against cash or gifts. So you can use them wherever you want. The exclusive insurance & concierge benefits can also not be ignored.

With all these exciting benefits, the ICICI Bank Rubyx Card has become an excellent choice for everyone looking for an affordable credit card with great advantages.