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Rubyx Credit Card Benefits & Features

Mighty Rewards Plan:

Unlock boundless excitement with ICICI Bank Rewards Program! Your ICICI Bank Credit Card is your gateway to a world of rewards.

Earn 2 reward points on every ₹100 Domestic Spends, 4 reward points on every ₹100 International Spends, and 1 reward point on every ₹100 on Utilities and Insurance.

Redeeming your ICICI Bank Rewards Points is a breeze, allowing you to indulge in the finer things life has to offer. From movie and travel vouchers to lifestyle products, your ICICI Bank Rewards Points offer a diverse range of options for redemption. Elevate your lifestyle by turning points into mobiles, appliances, and more, making every choice a rewarding one.

Host Of Benefits


Get Welcome Vouchers on Shopping and Travel worth Rs 5000+ on payment of joining fee of the card.

  • Avail amazing welcome vouchers worth ₹ 5,000+ within 45 days of payment of joining fees.
  • Tata CliQ Voucher worth Rs.2000
  • EaseMyTrip Vouchers worth ₹ 2000 (Two vouchers worth ₹ 1000 each)
  • Uber Voucher worth ₹ 250
  • Tata Croma Vouchers worth ₹ 1000 (Two vouchers worth ₹ 500 each)
  • To know more about the redemption of vouchers, click here
  • click here.; for other Terms and Conditions

  • Earn up to maximum of 15,000 ICICI Bank Reward Points every anniversary year with ICICI Bank Rubyx Credit Card.
  • Get 2 Complimentary rounds of golf per month (one round on spends of every ₹50,000 in previous month)
  • 2 complimentary access per quarter to select airport lounges in India, both on VISA variant. 2 complimentary access per quarter to selected airport lounges in India, one each on MasterCard and American Express variants.
  • Avail 25% discount upto Rs.150 on purchase of minimum 2 movie tickets per transaction on BookMyShow and Inox on VISA variant. The offer can be availed twice a month on BookMyShow and Inox each. (One ticket each on MasterCard and American Express variants.)

Security Features

Our Credit Cards come with an embedded microchip which provides additional security against counterfeiting and duplication of cards.

  • The new chip cards have an extra layer of security in the form of a Personal Identification Number (PIN)
  • You will be required to enter your PIN on the terminal for transactions at merchant outlets
  • To know more about Chip and PIN security, please click here
  • This PIN is not required for online transactions. 


Mobile Banking

270+ banking and informational services to take care of your daily banking needs conveniently from your smartphone.

Internet Banking

Bank Securely 24/7

User Internet Banking to avail of 300+ banking services from safety of your home


Branch & ATM

Touch Banking

You can now do banking round the clock, even on Sundays and holidays!


Popular FAQs

No, if you want to apply for a Rubyx credit card, you need to pay a joining fee of Rs 5,000.

To be eligible for ICICI Rubyx credit card -

  • You must be a citizen of India.
  • You must be at least 23 for the primary card and 18 for the supplementary card.
  • You must have a minimum monthly salary of Rs 50,000. The minimum annual income must be Rs 5.5 lakhs if you are self-employed.

The ICICI Bank Rubyx credit card comes with high cash withdrawal and transaction limits. The cash withdrawal limit is Rs 1.5 Lakh per day, and the transaction limit is Rs 2.5 Lakh per day.

The interest rate on the Rubyx Credit Card is 3.5% per month. When you withdraw cash using your Rubyx Card, a cash advance fee of 2.5% or Rs 300 is charged to your card.