What are the welcome benefits of the ICICI Bank Rubyx Credit Card?

The ICICI Bank Rubyx Credit Card offers welcome vouchers worth over ₹5,000 from brands like Tata CLiQ, EaseMyTrip, EazyDiner Prime, Croma, and DA MILANO, received after joining fee payment.

How can I waive the annual fee for my ICICI Bank Rubyx Credit Card?

The annual fee for the ICICI Bank Rubyx Credit Card can be waived if you spend ₹3 lakhs or more in the previous anniversary year.

What is the reward rate for the ICICI Bank Rubyx Credit Card?

The ICICI Bank Rubyx Credit Card earns 4 Reward Points on every ₹100 spent internationally, 2 Reward Points on domestic, and 1 Reward Point on utility and insurance categories.

Does the ICICI Bank Rubyx Credit Card offer lounge access?

Yes, the ICICI Bank Rubyx Credit Card provides 2 complimentary domestic airport lounge accesses per quarter (on eligible spend) and 8 complimentary railway lounge accesses annually.

What are the charges for foreign currency transactions on the ICICI Bank Rubyx Credit Card?

The ICICI Bank Rubyx Credit Card has a foreign currency markup of 3.5% of the transaction amount for international spends.

Are there any movie or dining benefits with the ICICI Bank Rubyx Credit Card?

Yes, the ICICI Bank Rubyx Credit Card offers a 25% discount on movie tickets twice a month (up to ₹150) and dining discounts through the Culinary Treats Programme.

What insurance benefits does the ICICI Bank Rubyx Credit Card provide?

The ICICI Bank Rubyx Credit Card includes up to ₹1 Crore Air Accident Insurance, ₹2 Lakh Personal Accident cover (Rupay variant), fraud protection, and ₹50,000 lost card liability protection.

How do I redeem reward points earned on my ICICI Bank Rubyx Credit Card?

Reward points from your ICICI Bank Rubyx Credit Card can be redeemed against gift vouchers, products, travel vouchers, or statement balance, with 1 Reward Point equaling ₹0.25.

What is the eligibility criteria for the ICICI Bank Rubyx Credit Card?

To be eligible for the ICICI Bank Rubyx Credit Card, you must be an Indian citizen aged 21-65, with a monthly income of ₹75,000+ (salaried) or annual income of ₹9,00,000+ (self-employed).

Is international lounge access available with the ICICI Bank Rubyx Credit Card?

No, the ICICI Bank Rubyx Credit Card does not offer international airport lounge access.

ICICI Bank

ICICI Bank Rubyx Credit Card

TravelShoppingDining

Last updated: 27 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Travel & shopping vouchers worth over ₹5,000, including Tata CLiQ, EaseMyTrip, EazyDiner Prime, Croma, and DA MILANO discounts.

Rewards Rate

Earn 4 RPs on international spends, 2 RPs on domestic, 1 RP on utility/insurance.

Reward Type

Reward Points

Reward Redemption

Redeem RPs for gift vouchers, products, travel vouchers, or statement balance. 1 RP = ₹0.25.

Domestic Lounge Access

2 complimentary airport lounge accesses every quarter on ₹75,000 spend in preceding quarter.

International Lounge Access

Not Applicable

Premium Benefits

1 complimentary golf round/lesson for every ₹50,000 spent, max 2 per month.

Insurance Coverage

Up to ₹1 Cr Air Accident Insurance, ₹2 Lakh Personal Accident, Fraud Protection & Lost Card Liability.

Movie

Get 25% off (up to ₹150) on movie tickets when booking two tickets, twice a month.

Dining

Enjoy dining discounts with the Culinary Treats Programme.

Travel Benefits

24x7 concierge services for hotel & flight bookings, car rentals, and emergency assistance.

What matters, explained clearly

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Frequently Asked Questions

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