ICICI Bank Rubyx Credit Card
ICICI Bank Rubyx offers an innovative dual-card configuration, providing cardholders with both a Mastercard/Visa and an American Express variant linked to a single credit limit. This structure allows spenders to maximize Amex dining and merchant offers while relying on Mastercard for universal acceptance, backed by 25% BookMyShow movie discounts and domestic airport lounge access.
Why We Recommend The ICICI Bank Rubyx Credit Card
A practical mid-tier lifestyle card that pays for itself through movie ticket BOGOs and welcome vouchers.
Corporate professionals and moviegoers wanting dual-network rewards and domestic lounge access.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the ICICI Bank Rubyx Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for ICICI Bank Rubyx Credit Card
Zero hidden costs. Complete fee schedule verified with ICICI Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the ICICI Bank Rubyx Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
8 complimentary domestic airport lounge visits per year (2 per quarter) + 4 railway lounge visits
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes ICICI Bank Rubyx Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Issued as a dual card pack (Mastercard + Amex) sharing a single credit limit and consolidated statement.
Buy 1 Get 1 free movie ticket on BookMyShow and INOX (up to ₹250 off on second ticket, twice a month).
Complimentary golf games and golf lessons every month on meeting spend milestones.
Pros & Cons of the ICICI Bank Rubyx Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Welcome voucher bundle compensates the ₹3,000 joining fee.
- Up to ₹500 monthly movie ticket savings on BookMyShow.
- Dual-card setup allows capitalizing on Amex partner offers alongside Mastercard acceptance.
Things to Consider (Cons)
- Quarterly lounge qualification requires spending ₹75,000 in the previous quarter.
- No international airport lounge access.
- Standard 3.50% forex fee.
Who Can Apply for the ICICI Bank Rubyx Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
720+ Score Recommended
Applicants with a credit score of 720 or higher enjoy fast-tracked approval and preferential credit limits from ICICI Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About ICICI Bank Rubyx Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the ICICI Bank Rubyx Credit Card?
Check your pre-approved credit limit and instant approval eligibility across ICICI Bank with 100% paperless verification and zero score impact.