INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official icicibank.com (ICICI Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️ICICI Bank Ltd.Network: Visa / Mastercard / RuPay (Dual Card)Travel & Aviation CardsLast Verified: 2026-09-28

ICICI Rubyx Credit Card

आईसीआईसीआई रुबिक्स क्रेडिट कार्ड

Dual-network gemstone card offering golf rounds, 2 domestic lounge visits per quarter, BookMyShow discounts, and RuPay UPI payment integration.

Annual Fee₹3,000 + GST (Renewal: ₹2,000 + GST)

Reward Rate4 ICICI Reward Points per ₹100 spent on international purchases and grocery/departmental stores. 2 ICICI Reward Points per ₹100 on other retail domestic transactions.

Airport Lounge2 complimentary domestic airport lounge visits per calendar quarter upon spending ₹35,000 in previous quarter. 2 complimentary domestic railway lounge visits per quarter.

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

ICICI Rubyx is India's first dual-card credit product in the mid-premium segment. Issued as two physical cards on different payment networks (Visa/Mastercard + RuPay) linked to a single credit account, it combines golf privileges, BookMyShow discounts, 2 domestic lounge visits per quarter, and UPI scan-and-pay capability.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹3,000 + GST (Renewal: ₹2,000 + GST)

Fee Waiver: Spend ₹3,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹2,000 waived.

🎁Welcome Benefit

Shopping and travel vouchers worth over ₹5,000 credited within 45 days of paying the joining fee and completing first purchase.

⚡Reward Points Structure

4 ICICI Reward Points per ₹100 spent on international purchases and grocery/departmental stores. 2 ICICI Reward Points per ₹100 on other retail domestic transactions.

Redemption Value: 1 Reward Point = ₹0.25 (effective 1.00% on accelerated categories, 0.50% base).

🛫Airport & Railway Lounge Access

2 complimentary domestic airport lounge visits per calendar quarter upon spending ₹35,000 in previous quarter. 2 complimentary domestic railway lounge visits per quarter.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Personal air accident cover up to ₹1 Crore. Emergency overseas medical cover up to ₹10 Lakhs. Lost card liability cover up to ₹50,000.

Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 across all petrol pumps in India.

🎯Milestone Spends & Grace Period

Milestones: Complimentary rounds of golf (up to 2 per month) based on qualifying monthly retail spends. 25% discount on BookMyShow and INOX movie tickets twice a month (up to ₹150 per ticket).

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Airport lounge access requires spending ₹35,000 in the preceding quarter. No international airport lounge visits are included on Rubyx. Base reward rate is 0.50%. Standard 3.50% forex markup applies.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of transaction amount or ₹500 (whichever is higher) + 3.50% monthly finance charges.

Finance Charges (Interest)3.50% per month (42.00% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).

Reward Points ExpiryReward points expire 3 years (36 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹50,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹6,00,000.

Age Requirement21 to 60 Years

Minimum Income₹50,000/month (Salaried) / ₹6,00,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 740+ is standard.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit icicibank.com/rubyx or check pre-approved offers in iMobile Pay.

2Enter PAN and mobile number for soft credit check.

3Select ICICI Rubyx Dual Card option.

4Confirm salary, employer name, and residential details.

5Complete online Video KYC session with bank official.

6Both physical cards (Visa/Mastercard + RuPay) dispatched within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any ICICI Bank branch by submitting PAN, Aadhaar, last 3 months' salary slips, and 6 months' bank statements.

Visit Official Card Page (icicibank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Driving License

3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on ICICI Rubyx Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).. In addition, revolving finance charges at 3.50% per month (42.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on ICICI Rubyx Credit Card into EMI?

Yes, ICICI Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on ICICI Rubyx Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into ICICI Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹0.25 (effective 1.00% on accelerated categories, 0.50% base). Please note: Reward points expire 3 years (36 months) from the date of accrual.

What is the interest-free grace period on ICICI Rubyx Credit Card and how does it work?

The interest-free period on ICICI Rubyx Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.50% per month (42.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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