ICICI Bank RubyX Credit Card

Elevate your lifestyle with the ICICI Bank RubyX Credit Card. Enjoy unique rewards, premium benefits, and exclusive privileges for this card. Apply now

Features and Benefits of ICICI Rubyx Credit Card

Welcome Bonus: Get exciting welcome vouchers worth ₹5,000+ within 45 days of joining fee payment
- Tata Cliq voucher worth ₹2,000
- EaseMyTrip vouchers worth ₹2,000
- Uber voucher worth ₹250
- Tata Croma vouchers worth ₹1,000
Golf Privileges: 2 complimentary golf rounds per month (1 round on every ₹50,000 spent in the previous month)
Airport Lounge Access: 2 complimentary visits per quarter to select airport and railway lounges in India
Reward Points:
- 2 reward points for every ₹100 spent domestically
- 4 reward points for every ₹100 spent internationally
Security: Advanced microchip for protection against counterfeiting and duplication
Concierge: 24x7 premium concierge service
Insurance: ₹1 crore air accident insurance and ₹50,000 lost card liability cover
Movie Discounts:
- 25% discount up to ₹150 on booking a minimum of 2 movie tickets via INOX or BookMyShow

Fees and Charges

Joining Fee: ₹3,000 + GST
Annual Fee: ₹3,000 + GST
Renewal Fee (2nd year onwards): ₹2,000 + GST
Interest Rate: 3.40% per month
Overlimit Charges: 2.5% of the over-limit amount (min ₹500)
ATM Cash Advance: 2.5% of the amount (min ₹300)
Rewards Redemption Fee: ₹99
Late Payment Charges:
- Below ₹100 – Nil
- ₹100 to ₹500 – ₹100
- ₹501 to ₹10,000 – ₹500
- Above ₹10,000 – ₹750
Card Replacement Fee: ₹100
Duplicate Statement: ₹100

Documents Required

To apply for the ICICI Bank Rubyx Credit Card, keep the following documents ready:

Proof of Identity: Aadhaar, Passport, PAN Card, Voter ID, or any government-issued ID
Proof of Address: Aadhaar, utility bills, bank statements, or rental agreement
Income Proof: Salary slips, IT returns, or Form 16
Credit Score: 750+

Eligibility Criteria

Minimum age: 18 years
Employment: Salaried or self-employed individuals
Credit score: Above 750

How to Apply for ICICI Bank Rubyx Credit Card

Click the Apply Now button
Ensure you meet eligibility and have documents ready
Complete the online application and upload required documents
Receive an acknowledgment number upon successful submission

FAQs

What should I do if I lose my Rubyx Credit Card?
You should immediately block your card via the iMobile Pay app or by contacting Customer Care.

What is the credit period of this credit card?
The card offers a credit-free period of up to 48 days, depending on your billing cycle.

What are the benefits of ICICI Bank Rubyx Credit Card?

Welcome vouchers worth ₹5,000+
Complimentary golf rounds every month
Movie ticket discounts on INOX and BookMyShow

What happens when my credit card expires?
You will automatically receive a new card 10 days before your current card expires. If not received, raise a request for non-receipt.

Can I use this credit card to withdraw cash?
Yes, cash withdrawal is allowed. A fee of 2.5% of the amount (min ₹300) is applicable.

How does the airport lounge access benefit work?
Present your Rubyx Credit Card at participating lounges to enjoy complimentary access.

What is the validity of ICICI Rubyx credit card reward points?
Reward points are valid for 3 years from the date of credit.