MyFinCards
Rubyx

Joining Fee

₹3,000

Annual Fee

Rs. 2000 (Reversed on annual spends of Rs. 3 Lakhs)

Forex Markup

3.5% + GST

INTERNATIONAL
ICICI Bank
Lifestyle
Rewards
Travel
Best For: High-end lifestyle perks, Frequent travelers, Movie enthusiasts, Golf players

Rubyx

Rewards Structure

Base Reward Rate

% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹15,000 /annually

Pros

  • Welcome vouchers worth over ₹5,000
  • 4x reward points on international spends
  • Complimentary golf rounds each month
  • Airport and railway lounge access
  • Air Accident Insurance up to ₹1 crore
  • Annual fee waiver on ₹3 lakh spend
  • 24/7 concierge services

Cons

  • Joining fee of ₹3,000
  • High monthly income requirement
  • Lounge access requires ₹75,000 spend per quarter
  • No reward points on fuel transactions

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Airport lounge access requires ₹75,000 spend in previous calendar quarter

Air Accident Insurance only covers international travel with tickets purchased using the card

Golf benefit requires ₹50,000 retail spend in the previous calendar month

Milestone reward points capped at 15,000 per year

Lounge access benefit exclusive to primary cardholder only

Key Benefits & Features

Welcome vouchers worth over ₹5,000 from Tata CLiQ, EaseMyTrip, EazyDiner, Croma upon joining fee payment

Eligibility Criteria

Min. Annual Income

₹9.0 Lakhs

Age Requirement

21+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

Proof of identity

ADDRESS Proof

Proof of address

INCOME Proof

Income Proof

Notable Exclusions

No reward points on fuel transactionsReduced reward rate of 1 point per ₹100 on utility and insurance spends

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Rubyx

The ICICI Bank Rubyx Credit Card is designed for those who seek premium rewards, exclusive lifestyle privileges, and elevated everyday experiences. From the moment you join, the card welcomes you with vouchers worth over ₹5,000 from brands like Tata CLiQ, Tata Croma, EazyDiner, and EaseMyTrip, making its value felt right from the start. With a joining fee of ₹3,000 and an annual fee of ₹2,000 — waivable on spending over ₹3 lakh — the card offers compelling returns for active spenders. Travel and entertainment sit at the heart of the Rubyx experience. Cardholders enjoy quarterly domestic airport lounge access, complimentary railway lounge visits, and up to ₹1 crore in Air Accident Insurance coverage. Movie lovers benefit from 25% discounts on BookMyShow and INOX tickets twice a month, while golf enthusiasts can earn up to two complimentary rounds of golf monthly based on eligible spends. Beyond travel and leisure, the card rewards everyday spending with points earned at varying rates across international, domestic, and utility transactions, redeemable across categories like travel, electronics, and fashion. A 24/7 concierge service handles everything from restaurant reservations to emergency assistance, rounding out a card built for high-end lifestyle seekers who want consistent rewards and comprehensive benefits in one package.

Expert Review

Our Verdict

Premium lifestyle card with welcome vouchers, lounge access, golf rounds, and strong reward points on international spen

Frequently Asked QuestionsAbout Rubyx

FEESIs the ICICI Bank Rubyx Credit Card free?
No, the ICICI Bank Rubyx Credit Card is not free. It comes with a joining fee of ₹3,000 + GST and an annual fee of ₹2,000 + GST. However, you can get the annual fee waived off for the next year if you spend over ₹3 lakh in the current year.
FEESHow can I get the annual fee waived off for the ICICI Bank Rubyx Credit Card?
You can get your annual fee waived off for the next year by spending over ₹3 lakh on your ICICI Bank Rubyx Credit Card in the current year. This spend-based waiver helps you enjoy the card's premium benefits without worrying about the annual renewal fee.
ELIGIBILITYWhat are the eligibility criteria to apply for the ICICI Bank Rubyx Credit Card?
To apply for the ICICI Bank Rubyx Credit Card, you must be an Indian citizen between 21 and 65 years of age. Salaried individuals must have a monthly income of ₹75,000, while self-employed individuals must have an annual income of ₹9,00,000. You will need to submit proof of identity, proof of address, and income proof.
BENEFITSWhen will I receive my joining benefits for the Rubyx Credit Card?
You will receive an email regarding your joining benefits within 45 business days after the payment of the joining fee. The welcome vouchers are worth over ₹5,000 and include vouchers from Tata CliQ (₹2,000), EaseMyTrip (₹2,000), EazyDiner Prime Membership worth ₹1,095, and Croma (₹1,000).
USAGEHow can I claim my joining vouchers for the Rubyx Credit Card?
To claim your joining vouchers, log in to ICICI Bank Rewards via iMobile (Cards & Forex → Rubyx Credit Card → Redeem Now) or Internet Banking (Cards & Loans → ICICI Bank Rewards → Rubyx Credit Card → Redeem Now). On the Rewards site, click the Rubyx Welcome Benefit tab, tap ADD on the desired voucher, select quantity, tap CLAIM NOW, and verify with an OTP. The full voucher code and PIN will be shared on your registered email ID.
BENEFITSWhat are the criteria for availing domestic airport lounge access?
To enjoy domestic airport lounge access, you must spend ₹75,000 or more on your Rubyx Credit Card in a calendar quarter. This qualifies you for 2 complimentary domestic airport lounge accesses in the following calendar quarter. The benefit is exclusively available to the primary cardholder and does not extend to supplementary cardholders.
BENEFITSWhat railway lounge access benefits does the Rubyx Credit Card offer?
The ICICI Bank Rubyx Credit Card provides 2 complimentary accesses to select railway lounges in India every quarter. Simply present your Rubyx Credit Card at the lounge to enjoy the privilege. Any access beyond the complimentary limit will be charged as per the rates set by each lounge service provider. This benefit is applicable only for primary cardholders.
BENEFITSWhat are the golf privileges offered with the Rubyx Credit Card?
As a Rubyx Credit Cardholder, you are eligible for a complimentary round or lesson of golf for every ₹50,000 spent on retail purchases in the previous calendar month, with a maximum of 2 complimentary rounds per month. Benefits can be booked via the Golftripz website using the same email ID registered with your ICICI Bank Credit Card. Benefits are credited by the 10th of the following month and are valid for the next two months.
BENEFITSWhat movie ticket benefits are available on the Rubyx Credit Card?
Rubyx Credit Cardholders can enjoy a 25% discount on movie tickets, up to ₹150, on the purchase of a minimum of two tickets — available on both BookMyShow and INOX, twice a month. Customers with dual credit card variants can avail one offer per month per variant. Additional bookings beyond the complimentary benefit will be charged as per rates set by the service provider.
BENEFITSWhat Air Accident Insurance coverage does the Rubyx Credit Card provide?
The primary Rubyx Credit Cardholder is entitled to Air Accident Insurance coverage of up to ₹1 crore. This benefit applies only when the card has been used at least once in the 60 days prior to the event. The insurance covers international travel only, provided the tickets were purchased using the Rubyx Credit Card. Supplementary cardholders are not eligible for this coverage.
REWARDSHow do reward points work on the ICICI Bank Rubyx Credit Card?
The Rubyx Credit Card offers tiered reward points on every ₹100 spent: 4 points on international spends, 2 points on domestic spends, and 1 point on utility and insurance spends. Note that no reward points are earned on fuel transactions, though a 1% fuel surcharge waiver is available on transactions between ₹400 and ₹4,000. Points can be redeemed for travel, shopping vouchers, electronics, fashion, home appliances, and more.
BENEFITSWhat are the concierge services offered with the Rubyx Credit Card?
The Rubyx Credit Card provides 24/7 concierge services through i-Assist, offering support for restaurant reservations, flower and gift deliveries, hotel and flight bookings, car rentals, and movie ticket delivery. The service also includes emergency auto assistance and medical concierge support. You can reach the concierge team at 1800-26-70731 (toll-free for MTNL/BSNL) or 022-6787-2016 (standard call charges applicable).
INTERNATIONALWhat is the forex markup fee on the ICICI Bank Rubyx Credit Card?
The ICICI Bank Rubyx Credit Card charges a foreign currency markup fee of 3.5% on all international transactions. However, the card rewards you with 4 reward points for every ₹100 spent on international purchases, which partially offsets the forex markup cost. If you frequently travel abroad, it is worth factoring in this markup fee when using the card for overseas expenses.
DOCUMENTSWhat documents are required to apply for the ICICI Bank Rubyx Credit Card?
To apply for the ICICI Bank Rubyx Credit Card, you need to submit proof of identity, proof of address, and income proof. The good news is that no physical documents are required — the application process can be completed digitally. Ensure you meet the eligibility criteria: be an Indian citizen aged 21–65, with a monthly income of ₹75,000 (salaried) or annual income of ₹9,00,000 (self-employed).
REWARDSWhat milestone benefits does the Rubyx Credit Card offer?
The ICICI Bank Rubyx Credit Card rewards you with 3,000 bonus reward points when you reach ₹3 lakh in annual spends. Additionally, you earn 1,500 reward points for every additional ₹1 lakh spent beyond that threshold, up to a maximum of 15,000 reward points per year. These milestone benefits are designed to reward higher spending and provide extra value on top of the regular reward points earned.

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