Thursday, July 25News That Matters

ICICI Bank Rubyx Credit Card – Review, Details, Offers, Benefits, Fees, How To Apply

ICICI Bank Rubyx  Credit Card – has exclusive privileges on entertainment, dining, wellness and golf. 

ICICI Bank Rubyx Credit Card Benefits

  • Enjoy the benefits of 2 cards (American Express and MasterCard) under 1 account
  • Get Welcome Vouchers on Shopping and Travel worth Rs 5000 on payment of joining fee.
    • Pantaloons Voucher worth ₹ 1500 (Rs 500X3)
    • EaseMyTrip Vouchers worth ₹ 2000 (Two vouchers worth ₹ 1000 each)
    • Uber Vouchers worth ₹ 1000 (Four vouchers worth ₹ 250 each)
    • Central Brand Vouchers worth ₹ 1000 (Two  vouchers worth ₹ 500 each)
  • Airport Lounge Access: 2 complimentary domestic airport lounge visits per quarter, courtesy of Mastercard and American Express
  • Get the all new feature of 2 complimentary domestic railway lounge visits per quarter, courtesy Mastercard and American Express.
  • Get up to 2 complimentary rounds of golf every month at the golf course of your choice based on eligible spends on your card. (for every ₹50,000 retail spends in the previous calendar month) on your card.
  • Buy one movie/event ticket and get up to Rs 300 off on the second ticket, twice every month, through
    Buy 1 ticket and get the other ticket free on booking tickets at Inox Movies
  • Earn 2X Points on all international transactions on your card.
  • Minimum 15% savings on dining bills at over 2,500+ restaurants across India through Culinary Treats Programme
  • Fuel Surcharge Waiver – 1% fuel surcharge waived off on fuel transactions at any fuel outlet.
  • Amex Privileges:  American Express Connect provides a wide range of special offers across categories like Travel, Lodging, Dining (upto 20% off), Retail and Online Shopping.
  • MasterCard Privileges:  Mastercard Moments is an exclusive programme specially created for Mastercard cardholders and offer wide range of special offers.

Rewards Collection

  • ICICI Bank Rubyx Mastercard Credit Card
    • Domestic spends (except fuel) –  2 PAYBACK Points per Rs 100 spend
    • International spends –  4 PAYBACK Points per Rs 100 spend
  • ICICI Bank Rubyx Amex Credit Card
    • Domestic spends (except fuel) –  3 PAYBACK Points per Rs 100 spend
    • International spends –  6 PAYBACK Points per Rs 100 spend
  • Get 1 PAYBACK Points on every Rs. 100 spent on fuel, utilities and insurance categories.
  • Additional PAYBACK points –
    • Get 3,000 PAYBACK Points on spending Rs. 3,00,000 on your card and
    • 1,500 PAYBACK Points each time you cross Rs. 1,00,000 spend thereafter in an anniversary year;
    • maximum of 15,000 PAYBACK Points per year.
  • You not only earn PAYBACK Points when you use your ICICI Bank Credit Card, but also earn additional points from PAYBACK Partner Brands for the same purchase.

Rewards Redemption

  • Each PAYBACK Points is equivalent to Rs. 0.25
  • So effectively: you get: 0.5% cashback on normal purchases and 1% cashback on international purchases (0.75% and 1.5% in case of Amex)
    • Additional 0.25% cashback on hitting annual spend


ICICI Bank Rubyx Credit Card – Fees

  • Joining Fees: Rs 3000 + GST
  • Annual Fees : Rs 2000  (waived off if annual spend in last year is Rs 3 lakhs)

How to Apply – You can apply online   See details

Documents needed: 

  • Minimum Income:  Rs 10 lakhs
  • Proof of ID and Address
  • Last 2 salary slips


This card is beneficial if you are spending approx 25K per month. Given that it is offering reward points worth 0.5% – 1.5% it is not the best available credit card in the market. You can find other cards which offer better benefits. This card has better benefits than ICICI Coral Credit card but less benefits than ICICI Sapphiro Card.

Leave a Reply

Your email address will not be published. Required fields are marked *