ICICI Bank Rubyx Credit Card Review

ICICI Bank Rubyx Credit Card is one of the premium credit cards from ICICI bank. It comes in two variants. One is MasterCard and the other one is American express. Both variants of the icici gemstone credit card are beneficial for travel-related uses. The icici bank rubyx credit card attracts customers’ attention since its launch the major reason behind this attention is the endless benefit of the card, which offers to start from airport lounge facilities to various reward points, such as shopping into grocery shopping, shopping in retail fashion and electronics. Let’s go deeper and discuss more the card. 

ICICI bank rubyx credit card eligibility criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: For applying for the icici bank credit card minimum salary should be Rs. 6,00,000 annually. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Rs. 9,00,000 annually. 
  • Good CIBIL Score(750 or more).
  • Good relation with the bank. 

Required documents for icici bank rubyx credit card application:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of the last 3 months 
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 

Every new ICICI credit card comes in an inactive state and in order to activate icici credit card you need to generate icici credit card pin manually. So, click here if you want to know the icici credit card pin activation process. 

ICICI bank rubyx credit card fees:

  • Joining Fee: Rs. 3,000 + GST
  • Annual Fee: Rs. 2,000 + GST

You can pay icici credit card bill online or offline, visit our FAQ page for the icici bank credit card bill payment process. 


  • Welcome benefit:

With the payment of the joining fee, you will get shopping and travel vouchers worth Rs. 5000 as a welcome gift. 

  • Reward benefit:

The two variants of the icici bank rubyx credit card come with two different icici credit card schemes for reward points, they are discussed below – 

    •  For icici american express credit card variant: 

For each Rs. 100 domestic spendings on rubyx credit card icici offer 3 PAYBACK Points. (not applicable on fuel transaction)

You will get 6 PAYBACK Points for the same on International transactions. 

1 PAYBACK Point = Rs. 0.25. 

    • For icici master credit card variant:

For each Rs. 100 domestic spendings, you will get 2 PAYBACK Points. (not applicable on fuel transaction)

You will get 4 PAYBACK Points for the same on International transactions.

1 PAYBACK Point = Rs. 0.25

You can check your total earned reward points from your icici bank credit card internet banking account. 

  • ICICI rubyx credit card international lounge access benefit:

You will get 2 free Airport lounge accesses and 2 free railway lounge accesses per quarter with both variants of the card. 

These icici credit card schemes are applicable at some selected airports and railway lounges only. 

  • Movie benefit:

On this rubyx credit card icici bank offers 2 complimentary movie tickets per month on buying tickets from BookMyShow or INOX Cinemas under buy one get one offer. Max discount, Rs. 300 from both brands.  

  • Dining benefit:

You will get a minimum of 15% savings on the dining bill. Offer applicable at over 2500 restaurants across India. 

  • Golf access:

If you can spend Rs. 50,000 with this icici gemstone credit card in a month, then you will get 2 free golf rounds in the next month. 

You can check your icici credit card balance from your net banking or mobile banking account. You can also call the icici credit card customer care toll free number and ask them about the information.

  • Fuel surcharge waiver:

With this card, you will get a 1% waiver on fuel surcharges, applicable at any fuel station in India. 

  • Insurance coverage:

This icici bank rubyx credit card comes with air accidental coverage of Rs. 1 crore, Baggage insurance of Rs. 25,000, USD 500 coverage against lost travel documents, and USD 1,200 for checked baggage. 

You will also get a plane hijacking insurance of USD 250 per hour. To claim the benefits of the insurance coverage call the icici bank credit card customer care toll free number. 

  • ICICI bank rubyx american express credit card benefits: 

There are some exclusive benefits with the American express variants:

Like exclusive icici credit card offers on flight tickets such as up to 10% discount on some selected Etihad airways tickets. 

25% discount on Taj, The Gateway, Roseate Hotels, and Vivanta Hotel rates. 

5% instant discount on Croma, applicable on Non-EMI and EMI transactions over Rs. 20,000. Click here for the icici emi calculator for credit card EMIs. 

25% discount on jewelry at Joyallukas.

Click here to know how to unblock icici credit card for online transaction?

  • Lost card liability:

If your card is lost or stolen you will get coverage of Rs. 50,000 (includes loss up to 2 days prior to reporting the same). You can block your lost/stolen card by calling the icici credit card customer care number given below or from your icici credit card phone banking account. 

  • Contactless payment:

This icici credit card rubyx variant has a contactless payment facility it has made card payment much easier. It also reduces the chance of misplacement or loss of cards, since you don’t need to hand over your card at the counter. 


  • Cash Withdrawal Charge: If you use cash withdrawal from credit card icici bank will charge 2.50% against the transaction amount as the withdrawal charge (min Rs. 300). 
  • Finance Charge: 3.40% monthly.  
  • Foreign currency transaction: 3.50% against the transaction amount. 
  • Add-on card fee: For add on credit card icici bank charges nothing on this card. 

Click here for other icici credit card terms and conditions

ICICI bank credit card call center Contact details:

Call: You can call the icici credit card customer care toll free number 1860-120-7777 for any inquiries. 

Mail: You can mail the service authority just by visiting the icici bank credit card customer service complaint page.

100xGain Ratings:


Final Opinion:

Hopefully, the icici rubyx credit card review will help you to understand the benefits of the card. This credit card is best for frequent travelers, you will get free access to airport lounges, Free Golf rounds, big reward benefits, travel insurance coverage, fuel surcharge waiver, lost card liability, and lots more. So if you want premium travel benefits at a low cost then this card will be a very good option for you. But if you want to explore some more options then take a look at the alternative card options given below. 

Alternative card options: 

  1. Axis Bank Vistara Signature Credit Card. (Best for lounge access and dining)
  2. icici emerald credit card (Best for lounge access and dining)
  3. RBL MoCash Credit Card. (Best for movie benefits)

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