ICICI Bank™ Rubyx Credit Card
ICICI Bank™ Rubyx Credit Card
Joining Perk
2 complimentary domestic airport lounge visits per quarter*
ICICI Bank™ Rubyx Credit Card

ICICI Bank™ Rubyx Credit Card

Get Welcome Vouchers on Shopping & Travel worth ₹5000 upon joining fee payment
Joining Fee

Available in 1251 cities
Min Income - 50K/month
Joining Perk


Joining Fee
Annual Fee
Get 12000 Chqbook Coins
This fee is waived off if you spend more than ₹3,00,000 in the previous year.

Other Fee Benefits

  • Get Welcome Vouchers on Shopping & Travel worth ₹5000 upon joining fee payment
  • Get minimum 15% savings on dining bills at over 2,500+ restaurants across India through the Culinary Treats Programme
  • Get the all new feature of 2 complimentary domestic railway lounge visits per quarter, courtesy Mastercard and American Express.
  • Enjoy up to 2 complimentary rounds of golf every month at the golf course of your choice based on eligible spends on your card
  • Get Welcome Vouchers on Shopping and Travel worth ₹5000 on payment of joining fee.
  • Earn 2X reward points on all international transactions on your card.
  • Earn up to 15,000 PAYBACK points every anniversary year.

Chqbook Review

The ICICI Bank™ Rubyx Credit Card stands out for the benefits it gives for the fee it charges. From the get go, you get Welcome vouchers worth ₹5000 upon joining. Apart from that, the free movie tickets of upto ₹300 are an added bonus – this adds up to ₹7200 per year of savings, which itself is more than the annual fees. Ofcourse, this is just the start and the list of rewards is indeed long. Go for this credit card if you love shopping, movies and are looking for value for money.


  • The ICICI Bank Rubyx Credit Card gives you Payback™ points – and they are redeemable for statement credit – a feature we absolutely love
  • Another great thing is that each Payback™ point is worth ₹0.25 – which means you know exactly how much you can redeem them for at any point.
  • Movie tickets – Free! – get 2 movie tickets each month worth ₹300 per ticket when you buy one ticket and you get the next one as part of this offer. You have to buy the ticket from bookmyshow™
  • You save 15% every time you dine at a Culinary Treat participating restaurant. To find the participating restaurants, you can download the app or look up your favourite restaurants on the culinarytreats website.
  • 1% fuel surcharge waived off on fuel transactions at any fuel outlet.
  • Get 2 complimentary rounds/ lessons of golf every calendar month2 if the total retail spends on your card is equal to or more than ₹50,000 in the previous calendar month.


  • One drawback we noticed is that if you are frequent traveller, 2 free visits to a Domestic Airport lounge may not be enough
  • Start playing Golf! – it's a high point for the credit card, but if you are not a golfer, this feature might be lost on you2

Joining Perks

  • Get Welcome Vouchers on Shopping and Travel worth ₹5,000 on payment of joining fee.
  • Buy 1 ticket and get the other ticket free any day of the week, on bookmyshow™ – Get up to 2 free tickets per month valued at up to ₹300 per ticket.
  • Stay protected with an air accident insurance of ₹1 crore and a lost card liability of ₹50,000 that includes loss up to 2 days prior to reporting the same
  • Account Takeover Cover – Remain protected in the event of your personal details being accessed and misused by a third person



  • 23 years and above
  • Personal Annual Income above INR 1.8 Lakhs – for Salaried and INR 3 Lakhs for Self–Employed
  • Should have a permanent India Residential Address
  • You should not have any EMI bounces and have outstanding credit

Documents Required

  • Post applying for a credit card, you application will be conditionally approved. However, the Bank will verify income and KYC documents. The bank executive will contact you and pick up the documents required below. The card will be issued once the documents provided are verified
  • Last 6 Months bank statements
  • Pan Card and Aadhar Card
  • Address Proof (Any one) – Voter Card, Aadhar Card, Driving License, Passport Copy


  • 1.5 Reward Points for every ₹150 spent
  • Payback™ is India's largest multi-brand loyalty programme. Your ICICI Bank Credit Card entitles you to earn Payback™ Points on your transactions.
  • 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. Payback™ Partner Brands include Big Bazaar and HPCL among others, comprising of over 3,000 outlets and more than 50 online partners.
  • Each Payback™ point on the ICICI Bank Rubyx Credit Card is worth ₹0.25, and you get 2 points for every ₹100 spent (except on fuel) on the ICICI Bank Rubyx Mastercard Credit Card
  • You get 3 Payback™ points on the ICICI Bank Rubyx Platinum American Express® Credit Card (per ₹100 spent except on fuel)
  • Under the new ICICI Bank Milestone Rewards program, get 3000 Payback™ points on spending ₹3,00,000 on your card and 1,500 Payback™ points each time you cross ₹1,00,000 spend thereafter in an anniversary year; maximum of 15,000 Payback™ points per year
  • Redeem your Payback™ points easily by calling the ICICI Bank call center to redeem them in cash – your points will be credited as statement credit within 7 working days
  • You can also choose from Payback's™ large catalogue and redeem your points against gifts – you will get your gift within 10 working days
  • Get one Payback™ point on every ₹100 spent on utilities and insurance categories