ICICI Bank Rubyx Credit Card: Rewards, Benefits, and Eligibility

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

30 Dec 25
5 mins

Sandipan Mitra

08 Mins
30-12-25

One App for all Business Payments

Download Now One App for all Business Payments

Table of Contents

Key Benefits of the ICICI Bank Rubyx Credit Card
Additional Features of the ICICI Bank Rubyx Credit Card
Fees and Charges of the ICICI Bank Rubyx Credit Card
Who Should Get the ICICI Bank Rubyx Credit Card?
Hacks to Get the Maximum Value from Your ICICI Bank Rubyx Credit Card
Eligibility Criteria to Get a ICICI Bank Rubyx Credit Card
Conclusion

ICICI Bank Rubyx Credit Card offers up to 12x reward points via iShop on travel and vouchers.
Complimentary airport and railway lounge access enhances travel comfort.
Milestone bonuses reward annual spends above ₹3 lakh.
Lifestyle perks include golf, dining discounts, and movie offers.
Best suited for high-income individuals with premium spending habits.

The ICICI Bank Rubyx Credit Card is designed for high spenders who want premium rewards on everyday and lifestyle purchases. It offers up to 12x reward points on select categories, which you can redeem across travel, dining and shopping categories.

Beyond rewards, the card adds value with benefits such as airport lounge access, movie discounts, e-vouchers and exclusive golf privileges. Let’s take a closer look at the ICICI Bank Rubyx Credit Card and its key benefits.

Key Benefits of the ICICI Bank Rubyx Credit Card

The ICICI Bank Rubyx credit card benefits include discounts and lifestyle experiences through accelerated reward points, sports and more. Let’s know about them in detail:

Welcome Bonus

Enjoy e-vouchers worth over ₹5,000 from Tata CLiQ, Tata Croma, EazyDiner, EaseMyTrip, etc as a welcome benefit.

Rewards Program

Earn 4 reward points for every ₹100 you spend on international spends.
Similarly, get 2 reward points on your domestic spends and 1 reward point on utility & insurance spends.
Earn 12x reward points on flight, bus or hotel bookings and on shopping vouchers through iShop.
Enjoy 6x reward points for spending on brands like Amazon Prime, MMT and Hamleys through iShop.

Milestone Bonus

Enjoy an additional 3,000 reward points for reaching the ₹3 lakh spending milestone on your ICICI Bank Rubyx credit card.
Get an additional 1,500 reward points for every additional ₹1 lakh you spend after reaching the first milestone of ₹3 lakh.

Complimentary Lounge Access

Enjoy ICICI Bank Rubyx credit card lounge access offer, including 8 complimentary visits every year.
Get 8 complimentary railway lounge accesses in a year for using the ICICI Bank Rubyx credit card.

Lifestyle Benefits

Enjoy a complimentary round or lesson of golf every month for spending ₹50,000 in the previous month. You can get up to 2 golf rounds in a month.

Additional Features of the ICICI Bank Rubyx Credit Card

Enjoy a 25% discount up to ₹150 for booking movie tickets through BookMyShow or INOX. You can avail this offer twice a month.
Save at least 15% on your dining bills at partner restaurants of the ICICI Bank. To view the list, download the ‘ICICI Bank Culinary Treats Mobile App’.
Enjoy all kinds of lifestyle benefits, including dining, travel, sports, wellness and more under the Mastercard program. Click here to know about them.
Enjoy a comprehensive insurance cover available at the ICICI Bank Rubyx credit card.
Get 1% waiver on the surcharge for buying fuel worth between ₹400 and ₹4,000.

Must reads

Can Someone Else Pay My Credit Card Bill: A Complete Guide

28 Oct 25
6 mins

Overview of South Indian Bank OneCard Credit Card

3 Dec 25
5 mins

Fees and Charges of the ICICI Bank Rubyx Credit Card

Charges	Amount and Conditions
Joining Fee	₹3,000
Renewal Fee	Free (1st year)
Cash Withdrawal Fee	3.75% per month
Interest on Late Payments	1.25% to 3.75% per month
Late Payment Fees	₹0 to ₹1,300, depending on the due amount

💡Managing multiple credit card bill payments can be a hassle when done manually. Use the centralised bill payment and management facility available on the Pice App and never miss a due date again!

Who Should Get the ICICI Bank Rubyx Credit Card?

The ICICI Bank Rubyx credit card is best for frequent travellers and individuals who have the appetite to spend money to appreciate their lifestyle. This card may be a good fit for you if you:

Travel frequently for both domestic and international trips
Shop regularly for fashion, lifestyle, health and beauty products
Maintain annual spends of at least ₹3 lakh in a membership year
Enjoy dining out often and subscribing to OTT platforms regularly

Hacks to Get the Maximum Value from Your ICICI Bank Rubyx Credit Card

Follow these simple hacks below to earn maximum reward points on your ICICI Bank Rubyx credit card.

Use iShop for online purchases and travel bookings.
Use iShop as your default online shop for all types of products when you wish to use the Rubyx card.
Book movie tickets through BookMyShow and INOX and use the ICICI Bank Rubyx credit card for payment.
Track Mastercard offers regularly to maximise savings across multiple categories.

Must reads

SBI Credit Card Lounge Access: Best Cards and How to Access

9 Oct 25
7 mins

How Does Credit Card EMI Work: The Ultimate Guide

30 Oct 25
5 mins

Eligibility Criteria to Get a ICICI Bank Rubyx Credit Card

Let’s see if you are eligible to apply for the ICICI Bank Rubyx Credit Card. Here is the criteria you must fulfil:

Cardholder’s age must be between 21 and 65 years.
Minimum income of salaried personnel must be ₹75,000 per month.
Self-employed people must have an average income of ₹9 lakh per annum as per ITR.

Conclusion

The ICICI Bank Rubyx Credit Card is a premium choice for high spenders seeking strong rewards, travel perks, and lifestyle privileges. With accelerated reward points, lounge access, golf benefits, and milestone bonuses, it delivers solid value for frequent travellers and lifestyle-focused users.