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ICICI Bank Rubyx Credit Card

The ICICI Bank Rubyx Credit Card offers a range of lifestyle and rewards benefits. Cardholders get vouchers worth over Rs. 5,000 as a joining bonus, enjoy up to 25% discount on movies via BookMyShow and INOX, and can access up to 8 domestic airport lounges annually. The first-year fee is ₹3,000 plus taxes.

ICICI Bank Rubyx Credit Card

Overview of ICICI Bank Rubyx Credit Card

The ICICI Bank Rubyx Credit Card is designed as a versatile lifestyle card, offering a mix of rewards, joining and milestone bonuses, discounts on movies and dining, access to airport and railway lounges, golf privileges, and more. Its benefits cater to key spending areas such as travel, entertainment, dining, and shopping. However, the actual value you get depends largely on your spending habits, as many perks are linked to minimum spend thresholds.

This card is ideal for high spenders seeking a credit card that provides comprehensive benefits for domestic travel and lifestyle expenses. That said, the rewards rate on regular purchases is moderate compared to competing cards like SBI Card Elite, Axis Select, or HDFC Regalia Gold. Cardholders often rely on milestone bonuses to maximize overall value. The following sections outline the key features and advantages of the ICICI Rubyx Credit Card.

Rewards Program

ICICI Rubyx Credit Card holders can earn points on all their transactions:

  • International purchases: 4 points for every Rs. 100 spent

  • Domestic purchases: 2 points for every Rs. 100 spent

  • Utility bills and insurance payments: 1 point for every Rs. 100 spent

Redemption Options

Earned reward points can be redeemed across a wide range of categories, including:

  • Travel bookings and airline rewards

  • Health and wellness products

  • Fashion and accessories

  • Home appliances and electronics

  • Lifestyle experiences and shopping vouchers

Other Features & Benefits

  • Welcome Rewards: Get vouchers worth Rs. 5,250 from popular brands like Croma, Uber, EaseMyTrip, and Tata CLiQ on paying the joining fee.

  • Airport & Railway Lounge Access:

    • 2 complimentary domestic airport lounge visits per quarter on quarterly spends of Rs. 75,000

    • 8 complimentary railway lounge visits annually

  • Milestone Rewards:

    • Earn 3,000 reward points on annual spends of Rs. 3 lakh

    • Additional 1,500 reward points for every extra Rs. 1 lakh spent beyond Rs. 3 lakh annually

  • Movie Discounts: 25% off (up to Rs. 150) on minimum booking of 2 tickets on BookMyShow and INOX, twice per month on each platform

  • Golf Benefits: 1 complimentary golf round per Rs. 50,000 spent on retail in the previous month (maximum 2 per month)

  • Annual Fee Waiver: Fee waived on annual spends of Rs. 3 lakh

  • Dining Offers: Special discounts under the ICICI Culinary Treats Programme

  • Concierge Service: 24×7 assistance for travel, dining, and lifestyle needs

  • Fuel Benefit: 1% surcharge waiver on fuel spends ranging from Rs. 400 to Rs. 4,000

ICICI Bank Rubyx Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

Insurance Coverage:

Covers Sum Insured
Personal Air Accident (Death only) Rs. 1 crore
Plane Hijacking and Credit Shield Rs. 1 lakh
Loss of Checked-in Baggage Rs. 84,000
Credit Shield and Card Liability Cover Rs. 50,000 each
Loss of Passport and travel-related documents Rs. 35,000
Baggage Insurance Rs. 25,000
Delay of Checked-in Baggage Rs. 21,000
Missing of Connecting International Flight During Transit Rs. 21,000
Delay in Flight Rs. 17,500

ICICI Rubyx Credit Card: Fees & Charges

Particulars Amount
Joining Fee Rs. 3,000 + Applicable Taxes
Annual Fee Rs. 2,000 + Applicable Taxes
Finance Charges 3.75% per month (or 45% per annum)
Late Payment Charges
On outstanding balance of –
Less than Rs. 100 Nil
Rs. 100 to Rs. 500 Rs. 100
Rs. 501 to Rs. 1,000 Rs. 500
Rs. 1,001 to Rs. 5,000 Rs. 600
Rs. 5,001 to Rs. 10,000 Rs. 750
Rs. 10,001 to Rs. 25,000 Rs. 900
Rs. 25,001 to Rs. 50,000 Rs. 1,100
More than Rs. 50,000 Rs. 1,300

Things to Know Before Applying

Who Should Consider This Card:

  • High-spenders who want perks like complimentary domestic airport lounge access, milestone rewards, annual fee waivers, and golf benefits.

  • Individuals who can leverage varied redemption options despite a moderate rewards earning rate.

  • Those seeking lifestyle-focused benefits such as discounts on movies, dining, and golf.

Eligibility Criteria:

  • Age: 21 to 65 years

  • Minimum Income:

    • Salaried: Rs. 75,000 per month

    • Self-Employed: Rs. 9 lakh per year

  • Documents Required: Proof of identity, address, and income

Steps to Close ICICI Bank Rubyx Credit Card

If you wish to permanently close your ICICI Bank Rubyx Credit Card, you can use both online and offline methods offered by ICICI Bank. Following the proper closure process ensures a smooth and secure cancellation of your credit card.

Close via Net Banking (Online Method)

You can request card closure easily through ICICI Bank net banking:

  • Log in to your ICICI Bank Net Banking account

  • Go to the “My Cards” section

  • Select your Rubyx Credit Card

  • Click on “Deactivate / Close Card” option

  • Follow the on-screen instructions and submit the request

Note: The closure process may take a few working days to complete.

Close via Customer Care (Offline Method)

You can also request closure by contacting ICICI Bank customer support:

When speaking to the executive, you will need to provide:

  • Last 4 digits of your credit card

  • Registered mobile number

  • Basic identity verification details

Follow the instructions given by the representative to complete the request.

Important Things to Do Before Closing

  • Clear all outstanding dues, including EMIs, interest, and pending charges

  • Redeem reward points before closure (if applicable)

  • Cancel all auto-debits and subscriptions linked to the card

  • Stop using the card after submitting the closure request

After Card Closure

  • Wait for SMS or email confirmation from the bank

  • Cut the card diagonally across the chip and magnetic strip

  • Check your credit report after a few weeks to confirm status as “Closed”

  • Report any mismatch or issue to the bank immediately

ICICI Bank Rubyx Credit Card Helpline Number

If you need any assistance regarding your ICICI Bank Rubyx Credit Card, you can contact the customer support team of ICICI Bank. The bank provides multiple support channels for billing queries, payments, card blocking, reward points, and other credit card-related services.

Customer Care Helpline Numbers (India)

  • Toll-Free Number: 1800 1080
    Available 24×7 for general banking and credit card-related queries

Support for Customers Travelling Abroad

This number can be used while calling from outside India.

NRI Customer Support

Email Support

You can send queries from your registered email ID for faster resolution.

Services Available

You can contact customer care for:

  • Credit card billing and statement queries

  • Payment and outstanding dues assistance

  • Reward points and benefits support

  • Reporting lost or stolen cards

  • Card blocking, reissue, or upgrade requests

  • Credit card closure or cancellation requests

Important Tips

  • Always use official ICICI Bank contact details for safe communication

  • Keep your registered mobile number and card details ready for verification

  • Never share sensitive information like OTP, PIN, or CVV

  • Note down your complaint or reference number for future tracking

FAQs

How can I check the status of my ICICI Rubyx Credit Card application?

You can track your application by visiting the official ICICI Bank website or by contacting the credit card customer support team.

Yes, a foreign exchange markup of 3.5% applies to all international retail and online purchases. This fee is also applicable when using the card on POS machines located in international territories, such as duty-free shops.

To enjoy free domestic lounge visits, you need to spend a minimum of Rs. 75,000 in the previous calendar quarter.

Applicants must be between 21 and 65 years of age to be eligible for this credit card.