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 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. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹6,00,000 annually. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹9,00,000 annually. 
  • Good CIBIL Score(750 or more).
  • Good relation with the bank. 

Required Documents:

  • 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
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹3,000 + GST
  • Annual Fee: ₹2,000 + GST


  • Welcome benefit:

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

  • Reward benefit:

The two variants of the card come with two different reward program, they are discussed below – 

  • On American express variant: 

For each ₹100 domestic spendings, you will get 3 PAYBACK Points. (not applicable on fuel transaction)

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

1 PAYBACK Point = ₹0.25. 

  • On MasterCard variant:

For each ₹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 = ₹0.25

  • Lounge Access:

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

This offer is applicable at some selected airport and railway lounges only. 

  • Movie benefit:

This card offers 2 complimentary movie tickets per month on buying tickets from BookMyShow or INOX Cinemas under buy one get one offer. Max discount, ₹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 ₹50,000 with your card in a month, then you will get 2 free golf rounds in the next month. 

  • 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 card comes with air accidental coverage of ₹1 crore, Baggage insurance of ₹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. 

  • American express benefit: 

There are some exclusive benefits with the American express variants like:

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 ₹20,000+

25% discount on jewellery at Joyallukas. 

  • Lost card liability:

If your card is lost or stolen you will get a coverage of ₹50,000 (includes loss up to 2 days prior to reporting the same)

  • Contactless payment:

This card 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: 2.50% against the transaction amount, Min ₹300. 
  • Finance Charge: 3.40% monthly. 
  • Foreign currency transaction: 3.50% against the transaction amount. 

Contact Details:

Call: 1860-120-7777

Mail: You can mail the service authority just by visiting their website here: https://www.icicibank.com/complaints/complaints.page 

100xGain Ratings:


Final Opinion:

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. Although both variants of the card are beneficial, I would recommend you to go for the American Express Platinum Corporate Credit Card, you will get some extra benefits with it.  

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