ICICI Bank Rubyx Credit Card
ICICI Bank
ICICI Bank Rubyx Credit Card
ICICI Bank
Annual Fee
₹2,000
Effective Rate
0.35%
Network
RUPAY
Point Value
₹0.35/pt
About ICICI Bank Rubyx Credit Card
3 RP/₹100. 2 domestic + 8 railway lounges/year. 2 golf/month. BoGo 25% off BMS/INOX (max ₹150, 2x/month). ₹5K+ welcome vouchers. Milestone RP up to 15K/year. Air accident ₹1Cr. 24x7 concierge.
Best For
Pros & Cons
thumb_upPros
- check_circle2 Domestic + 8 Railway Lounge Visits/Year
- check_circle2 Complimentary Golf Rounds/Month
- check_circleWelcome Vouchers ₹5,000+
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹2,000 with no waiver option
- cancelMinimum income requirement applies
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.35 — an effective return of 0.35% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 3% | 300 pts≈ ₹105 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the ICICI Bank rewards portal. Redemption value may vary by option.
Card Benefits
2 Domestic + 8 Railway Lounge Visits/Year
2 domestic airport + 8 railway lounge accesses per year.
2 Complimentary Golf Rounds/Month
2 golf rounds per month on eligible spends.
Welcome Vouchers ₹5,000+
Welcome vouchers from TataCLiQ, Tata Croma, EazyDiner, EaseMyTrip worth ₹5,000+.
Air Accident Cover – ₹1 Crore
Air accident insurance of ₹1 crore.
24x7 Concierge
Round-the-clock concierge service.
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹1,00,000 (ANNUAL)
1,500 additional RP per ₹1L beyond ₹3L (max 15,000 RP/year).
Spend ₹3,00,000 (ANNUAL)
3,000 milestone RP on ₹3L annual spend.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the ICICI Bank website.
| Annual Fee | ₹2,000 |
| Forex Markup | As per issuer schedule |
| Min. Income Required | ₹9,00,000 per year |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: ₹9,00,000
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about ICICI Bank Rubyx Credit Card.
Ready to apply for ICICI Bank Rubyx Credit Card?
Apply directly on the ICICI Bank website. Most decisions within 7–10 working days.
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