Can I get an ICICI Bank Rubyx credit card for free?

No, you will have to pay the joining fee of ₹5,000 to apply for the ICICI Rubyx credit card.

How much credit limit can I get with an ICICI Rubyx credit card?

The ICICI Bank Rubyx credit card limit depends on the policy decision.

What are the eligibility criteria to apply for the ICICI Rubyx credit card?

You must be at least 21 years old to avail the primary card, and 18 years old for a supplementary card. In terms of income, you must have a minimum monthly salary of ₹50,000.

Does the ICICI Bank Rubyx credit card offer lounge access?

Yes, ICICI Rubyx credit card offers complimentary access to certain airports and railway lounges in India.

Is interest charge applicable on an ICICI Rubyx credit card?

Yes, a 3.75% interest rate is applied monthly on extended credit and cash advances.

ICICI Bank Rubyx Credit Card: Benefits, Rewards and Charges

Name: ICICI Bank Rubyx Credit Card
Brand: Credit Card
Rating: 4.9 (14931 reviews)

Want a credit card that offers premium lifestyle perks, BookMyShow offers, and an accidental air insurance cover? Then, the ICICI Bank Rubyx credit card can be your best bet.

Enjoy premium lifestyle privileges, exclusive BookMyShow offers, and a massive ₹1 crore air accident insurance cover, all backed by 24/7 concierge assistance. With benefits that go beyond just rewards, Rubyx is designed for those who want more from their credit card experience.

ICICI Bank Rubyx Credit Card Benefits

Among the host of benefits offered by the ICICI Bank Rubyx credit card, the most significant one is to pay the card’s joining fee and receive ₹5,000 welcome vouchers on shopping and travel. Others are:

Tata CliQ voucher worth ₹2,000.
Uber voucher worth ₹250.
2 EaseMyTrip vouchers worth ₹2,000 ( ₹1000 each).
2 Tata Croma vouchers worth ₹1,000 (₹500 each).
A maximum of 15,000 reward points annually on your card anniversary.
8 railway and 2 complimentary domestic airport lounge access.
Opportunity to spend ₹75,000 or more in the previous quarter to unlock complimentary access for the next quarter.
Get a 25% discount up to ₹150 on buying a minimum of 2 movie tickets on BookMyShow and Inox using the VISA variant. You can avail of this offer 2 times a month on Inox and BookMyShow each.

ICICI Bank Rubyx Credit Card Perks and Rewards

The ICICI Bank Rubyx credit card offers some exciting perks and rewards. Let us look at the top standout perks below:

Complimentary Golf Rounds

People who want to have a golfing experience can avail of exclusive privileges by obtaining an ICICI Bank Rubyx Credit Card. It offers access to some of the most iconic golf courses in India and around the world.

You are entitled to get a free golf round for every ₹50,000 retail spent in the previous month, and avail up to 2 golf rounds every month.

Concierge Services

You can enjoy 24/7 premium concierge services, including hotel and restaurant referrals and reservations, car rental services, medical concierge privileges, booking and delivering movie tickets, emergency auto assistance anywhere in India, etc.

Comprehensive Insurance Services

With the ICICI Bank Rubyx credit card, you can avail of an air accident insurance of ₹1 crore (death only). Not limited to this, but it also covers card liability cover (such as lost card liability, counterfeit, skimming, phishing, and fraud protection online) up to ₹50,000.

If your plane gets hijacked or you lose your passport and travel-related documents, you are covered up to ₹1,00,000 and ₹35,000, respectively.

Fuel Surcharge Waiver

You can avail of 1% fuel surcharge waiver on all fuel transactions of up to ₹4,000 at any fuel station in India with this card.

Looking for something similar with even more exciting lifestyle perks? You can also apply for a lifetime free credit card from Stable Money. It offers a 100% fuel surcharge waiver, 8 domestic and 2 international airport lounge visits per year, health check-ups and more.

ICICI Bank Rubyx Credit Card Charges

Particulars	Charges
First-year annual fee	₹3,000 + GST
Second-year annual fee	₹2,000 + GST (Waiver applicable on spends of Rs 3,00,000+ in the previous year)
Over-limit fee	2.50% on the amount, subject to a minimum of ₹550
Redemption fee	₹99
Late payment charges	₹100-₹500 is ₹100 ₹501 and ₹1,000 is ₹500 ₹1,001 and ₹5,000 is ₹600 ₹5,001 and ₹10,000 is ₹750 ₹10,001 and ₹25,000 is ₹900 ₹25,001 and ₹50,000 is ₹1,100 Over ₹50,000 is ₹1,300
Cheque return charges	2% of the amount due, minimum applicable amount: ₹450
Fee for cash payment at branches	₹100 per transaction
Card replacement fee	₹200
Foreign currency conversion charges	3.5% of the converted amount
Cheque processing fee at the outstation	1% of cheque amount, minimum applicable amount: ₹100

Process to Apply for the Rubyx Credit Card

To apply for the card online, simply follow the steps outlined below:

Step 1: Visit the ICICI Bank's <a href="https://www.icicibank.com/Personal-Banking/cards/Consumer-Cards/Credit-Card/rubyx-card/index.page" target="_blank" rel="nofollow">ICICI Bank Rubyx Credit Card – Official Page</a>.
Step 2: Go to 'Cards'. Your screen will appear with a drop-down menu. Select 'Credit Cards'.
Step 3: Find out the ‘Rubyx Credit Card’ option and click the ‘Apply Now’ button.
Step 4: Fill in the details accurately, such as mobile number, PAN, Aadhaar, date of birth and check the consent box.
Step 5: Press the ‘Continue’ button to proceed.

ICICI Bank Rubyx Credit Card Against Fixed Deposits

Apart from the regular Rubyx Credit Card, ICICI Bank also offers a secured variant—Rubyx Credit Card against Fixed Deposits. Designed to bring luxury within easy reach, this card lets you unlock premium experiences without income-based eligibility.

You can enjoy some additional privileges across lifestyle, entertainment and dining, such as:

Receive reward points twice when you use the card to make international purchases.
Get the finest dining experiences through the ICICI Bank Culinary Treats Programme.
Get 2 free domestic railway lounge visits per quarter with the MasterCard.

After evaluating all the benefits and rewards of the plan, it is clear that the ICICI Bank Rubyx credit card is a gateway to a premium lifestyle. You can avail of exclusive rewards across distinct categories and enjoy increased spending power.

Another secured credit card offering similar perks with an 8.50% FD return is Stable Money Suryyoday Bank RuPay Credit Card. Enjoy 0.5% cashback, lifetime free access, and quick approval with no lengthy process.