info@logintoloans.com +91 8885545255

Logintoloans Assistant

Select your profession

Salaried Icon Salaried
Business Icon Business
CA CA
Doctor Doctor
NRI NRI
School School
College College
Student Student

Enter Pincode

Personal Details

Key Features of ICICI Bank Rubyx Credit Card

  • Welcome Benefits:
    • Welcome vouchers worth ₹5,000+ from top brands like Croma, Uber, EaseMyTrip, and Tata CLiQ upon payment of joining fee (₹3,000 + GST).
    • Occasional promotional gifts like Sennheiser HD219 headphones (subject to specific campaigns).
  • Reward Points Program: Earning Reward Points:
    • 4 Reward Points for every ₹100 spent on international transactions.
    • 2 Reward Points for every ₹100 spent on domestic retail purchases (except fuel).
    • 1 Reward Point for every ₹100 spent on utilities and insurance.
    Milestone Benefits:
    • Earn 3,000 Bonus Reward Points on spending ₹3 lakh in an anniversary year.
    • Earn 1,500 Bonus Reward Points for every subsequent ₹1 lakh spent, up to 15,000 points annually.
    Redemption: 1 Reward Point = ₹0.25 when redeemed for cash or products.
  • Travel Benefits:
    • 2 complimentary domestic airport lounge visits per quarter (Visa variant) or 1 visit (MasterCard/Amex variants).
    • 2 complimentary railway lounge visits per quarter (Visa/MasterCard).
    • 1% fuel surcharge waiver at HPCL petrol pumps (transactions ₹400-₹4,000).
    • 24x7 i-Assist concierge service for travel bookings and emergencies.
ICICI Rubyx Credit Card
    • Lifestyle & Entertainment Benefits: Movie Ticket Discounts: 25% discount (up to ₹150) on purchasing a minimum of two movie tickets per transaction on BookMyShow and INOX. Available twice per month per platform. For dual-card holders (MasterCard and American Express), one benefit per month per variant. Dining Discounts: Minimum 15% discount on dining bills at over 2,500 partner restaurants across India through the ICICI Bank Culinary Treats Program. Golf Privileges: 2 complimentary golf rounds/lessons per month at select golf courses in India and worldwide, subject to ₹50,000 retail spends in the previous month. Book via www.teetimes.golftripz.com using the email ID registered with ICICI Bank.
    • Insurance & Security: Insurance Coverage: Air accident insurance of ₹1 crore (applicable for international travel tickets purchased with the card). Lost card liability coverage of ₹50,000, including losses up to 2 days prior to reporting. Account takeover cover for protection against misuse of personal details by third parties. Note: Insurance benefits are applicable only if the card has been used at least once in the last 60 days and the minimum amount due is paid. Available only on the primary card, not supplementary cards. Security Features: Embedded EMV chip and PIN for enhanced protection against counterfeiting and duplication. 3D Secure feature for secure online transactions (Verified by Visa/MasterCard SecureCode).
    • Fees & Charges: Joining Fee: ₹3,000 + GST (one-time). Annual Fee: ₹2,000 + GST (from the second year onward). Waived if annual spends exceed ₹3 lakh in the previous year. Interest Rate: 3.5% per month (42% annually) on unpaid dues. Cash Advance Fee: 2.5% or ₹300 (whichever is higher) per cash withdrawal. Cash Withdrawal Limit: ₹1.5 lakh per day. Transaction Limit: ₹2.5 lakh per day Foreign Currency Markup Fee: 3.5% on international transactions Card Replacement Fee: ₹200 (standardized as of July 2024). Late Payment Charges: Vary based on outstanding dues (check ICICI Bank’s website for details).
    • Additional Features: Dual Card Advantage: India’s first dual-platinum credit card, offering both Visa/MasterCard and American Express variants linked to one account (though only Visa is currently issued in most cases). This provides access to privileges from both networks. Customizable Reward Plans: The Hand-picked Rewards program allows cardholders to tailor rewards based on spending categories (e.g., shopping, travel, essentials) and change plans every six months. Fuel Savings: 1% fuel surcharge waiver on transactions up to ₹4,000 at any fuel outlet in India. Contactless Payments: Supports contactless transactions for quick and secure payments at compatible merchants. 24x7 Customer Care: Report lost/stolen cards via SMS or contact customer care for queries.
Rubyx Credit Card Rewards

Benefits of ICICI Bank Rubyx Credit Card

  • Welcome Benefits:
    • Gift Vouchers: Upon paying the joining fee of ₹3,000 + GST, cardholders receive vouchers worth over ₹5,000 from premium brands such as:
      • Croma: For electronics and gadgets.
      • Uber: For ride-hailing services.
      • EaseMyTrip: For flight and hotel bookings.
      • Tata CLiQ: For fashion, lifestyle, and electronics.
    • Promotional Offers: Occasionally, ICICI Bank includes additional welcome gifts, such as Sennheiser HD219 headphones or exclusive merchandise, depending on marketing campaigns (subject to availability).
      • Redemption Options: Exchange points for products, gift vouchers, or experiences via ICICI Bank’s rewards portal (www.icicibank.com/rewards). Options include:
      • Travel: Vouchers for MakeMyTrip, Yatra, or airline miles (e.g., Jet Airways, though limited post-2019).
      • Lifestyle: Vouchers for Amazon, Flipkart, Tanishq, or luxury brands.
      • Experiences: Spa treatments, dining, or adventure activities. Points can also be redeemed through the iMobile app or by contacting customer care at 8885545255.
      • Reward Value: The effective reward rate ranges from 0.5% (domestic spends) to 1% (international spends), assuming points are redeemed for cash or high-value vouchers.
      • Milestone Rewards: Earn an additional 1,500 Bonus Reward Points for every ₹1 lakh spent thereafter, up to a maximum of 15,000 Bonus Reward Points annually.
      • Travel Benefits: Access is facilitated through the DreamFolks Lounge Program at major Indian airports like Delhi, Mumbai, Bangalore, and Chennai. Cardholders must present their Rubyx Credit Card and boarding pass.
      • Domestic Airport Lounge Access:
      • Visa Variant: 2 complimentary lounge visits per quarter, subject to a minimum spend of ₹5,000 in the previous quarter.
      • MasterCard/American Express Variants: 1 complimentary lounge visit per quarter per variant (total 2 visits for dual-card holders), subject to ₹75,000 spends in the previous quarter.
      • Railway Lounge Access: 2 complimentary railway lounge visits per quarter for the primary cardholder (Visa and MasterCard variants) at select railway stations, such as New Delhi, Mumbai Central, and Chennai Central.
      • Fuel Surcharge Waiver: 1% waiver on fuel surcharges for transactions up to ₹4,000 at HPCL petrol pumps when swiped on ICICI Bank PoS machines. This translates to savings of up to ₹250 per transaction.
      • Concierge Services: Travel bookings (flights, hotels, holiday packages). Car rentals and airport transfers. -Event ticket bookings (concerts, sports events). Medical and emergency auto assistance. Contact: 8885545255.
      • Lifestyle and Entertainment Benefits:
      • Movie Ticket Discounts: 25% discount (up to ₹150) on purchasing a minimum of two movie tickets per transaction on BookMyShow and INOX. Available twice per month per platform.
      • Dining Discounts: Minimum 15% discount on dining bills at over 2,500 partner restaurants across India via the ICICI Bank Culinary Treats Program. Participating restaurants include premium chains like Farzi Café.
      • Golf Privileges: 2 complimentary golf rounds or lessons per month at select golf courses in India and international locations. Eligibility requires ₹50,000 retail spends in the previous month.
      • Insurance and Security Benefits:
      • Insurance Coverage:
      • Air accident insurance: ₹1 crore coverage for tickets purchased with the card (applicable for international travel).
      • Lost card liability: ₹50,000 coverage for unauthorized transactions, including losses up to 2 days prior to reporting the loss.
      • Account takeover cover: Protection against misuse of personal details by third parties.
      • Conditions: Insurance is valid only if the card was used at least once in the last 60 days and the minimum amount due is paid. Benefits apply only to the primary card, not supplementary cards.
      • Security Features:
      • EMV Chip and PIN: Protects against counterfeiting and skimming.
      • 3D Secure: Verified by Visa/MasterCard SecureCode for secure online transactions.
      • Zero Liability Protection: No liability for unauthorized transactions after reporting a lost/stolen card.
      • Additional Lifestyle Perks:
      • Customizable Rewards: The Hand-picked Rewards program allows cardholders to select preferred spending categories (e.g., travel, shopping, essentials) and change plans every six months for tailored rewards.
      • Contactless Payments: Supports NFC-enabled contactless transactions for quick, secure payments at compatible merchants (e.g., retail stores, cafes).
      • Exclusive Offers: Access to curated deals on travel, dining, and shopping via ICICI Bank’s partnerships with brands like Visa, MasterCard, and American Express.
Check Best Gold Loan Offers

How to Apply for ICICI Bank Rubyx Credit Card

  • Step 1: Visit the Official Website
    Go to www.icicibank.com and navigate to Products > Cards > Credit Cards.
    Select the ICICI Bank Rubyx Credit Card from the list.
    Click on the "Apply Now" or "Check Eligibility" button to begin the process.
  • Step 2: Check Eligibility
    Enter basic details such as:
    Full name
    Mobile number
    Email ID
    City of residence
    Employment type (salaried or self-employed)
    Monthly/annual income
    PAN Card number (optional at this stage)
    Submit the information to check if you qualify for the card.
  • Step 3: Fill the Application Form
    If eligible, complete the detailed application form with:
    Personal details (name, date of birth, gender, marital status)
    Contact details (address, mobile number, email)
    Employment details (company name, designation, years of service, income)
    Financial details (PAN, existing credit cards, other loans)
    Nominee details (optional)
  • Step 4: Upload Documents
    Upload scanned copies or clear photographs of the required documents:
    Identity proof (e.g., PAN, Aadhaar)
    Address proof (e.g., Utility bill, Passport)
    Income proof (e.g., Salary slip, ITR)
    Photograph
    Ensure that the files are in PDF, JPEG, or PNG format and within the specified size limit (usually 2–5 MB per file).
  • Step 5: Submit the Application
    Review the details and submit the application.
    You’ll receive an Application Reference Number via SMS and email for tracking purposes.
  • Step 6: Verification Process
    ICICI Bank will verify your details and documents.
    You may receive a call from the bank’s verification team to confirm details or request additional documents.
  • Step 7: Approval and Card Delivery
    Upon approval (typically 7–21 working days), the card will be dispatched to your registered address via courier.
    You’ll receive an SMS/email with tracking details and a welcome kit containing the card, PIN instructions, and terms.
  • Step 8: Activate the Card
    Activate your card via the ICICI Bank iMobile app, net banking, or by calling customer care 8885545255.

Eligibility Criteria for ICICI Bank Rubyx Credit Card

  • Nationality: The applicant must be a citizen of India, as per local banking regulations.
  • Age Requirements:
    • Primary Cardholder: The applicant must be at least 23 years old. Some sources indicate 21 years, but the majority specify 23 years.
    • Supplementary Cardholder: The minimum age for a supplementary cardholder (family members) is 18 years.
  • Income Requirements:
    • Salaried Individuals: A minimum monthly salary of ₹50,000 is required.
    • Self-Employed Individuals: The minimum annual income must be ₹5.5 lakh.
  • Credit Score: A good credit score, preferably 750 or above, is required. ICICI Bank uses CIBIL or an equivalent score to assess the applicant's creditworthiness.
  • Prior Relationship with ICICI Bank:
    • While not mandatory, having an existing relationship with ICICI Bank (e.g., savings account, fixed deposit, or loan) can improve approval chances.
    • Existing customers may also be offered the Rubyx Credit Card as a lifetime free (LTF) option based on account history or salary credits.
  • Stable Employment: Salaried individuals should have a minimum of 6 months of continuous employment with their current employer. Self-employed applicants should have been in business for at least 1–2 years.
  • Geographical Availability: The Rubyx Credit Card is available in select cities across India, including major metros and Tier-1 cities. Check ICICI Bank’s website for the full list of cities.
  • Existing Credit Behavior: Applicants with a strong credit history, including no defaults, overdue payments, or written-off loans, have a higher chance of approval.
  • Document Readiness: Ensure that all required documents (identity proof, address proof, income proof) are current and ready for submission.
  • Mobile Number & Email ID: A valid and active mobile number and email ID are necessary for OTP verification and communication.
  • Digital Onboarding Capability: Access to a smartphone or computer with a webcam and a stable internet connection is required to complete the Video KYC process.
  • No Outstanding Dues: Applicants with unpaid credit card dues or loan defaults may not be eligible for approval.
  • Debt-to-Income Ratio: A debt-to-income ratio of less than 40-50% is ideal, indicating that the applicant can manage additional credit responsibly.
  • Application History: Applicants who have recently been rejected for a credit card should wait 3–6 months before reapplying to avoid negatively impacting their credit score.
Check Best Gold Loan Offers

Documents Required for ICICI Bank Rubyx Credit Card

  • Identity Proof (Any one):
    • PAN Card (mandatory; if unavailable, Form 60 can be submitted)
    • Aadhaar Card
    • Voter’s ID
    • Driving License
    • Passport
    • Any other government-issued photo ID (must clearly display name and photograph)
  • Address Proof (Any one):
    • Aadhaar Card
    • Passport
    • Driving License
    • Voter’s ID
    • Utility Bills (electricity, telephone, or water bill – not older than 3 months)
    • Bank Statement (with address, not older than 3 months)
    • Rental Agreement (registered)
  • Income Proof:
    • For Salaried Individuals (any one):
      • Latest Salary Slips (typically last 3 months)
      • Form 16 (latest, showing annual income)
      • Bank Statement showing salary credits (last 3–6 months)
    • For Self-Employed Individuals (any one):
      • Latest Income Tax Returns (ITR) for last 1–2 years with computation of income
      • Certified Financial Statements (Profit & Loss, Balance Sheet)
      • Bank Statement showing business transactions (last 6 months)
      • Business Proof (e.g., GST registration, shop & establishment certificate, or business registration – if requested)
    • Note: Minimum income requirement is ₹50,000/month for salaried and ₹5.5 lakh annually for self-employed.
  • Photograph:
    • One or two recent passport-sized color photographs
    • May be optional for online applications if digital image is uploaded or captured
  • Supplementary Documents (if applicable):
    • Credit Card Statement: For applicants holding other credit cards, a recent statement may be required to assess repayment history
    • ICICI Bank Relationship Proof: Existing savings account, fixed deposit, or loan documents may be submitted to support the application

Key Factors for the ICICI Bank Rubyx Credit Card

  • Income Level:
    • Salaried Individuals: Minimum monthly income of ₹50,000 is required.
    • Self-Employed Individuals: Minimum annual income of ₹5.5 lakh is required.
    • Impact: Higher income ensures better credit limit and faster approval.
    • Verification: Salary slips, Form 16, bank statements (salaried); ITR and financials (self-employed).
  • Credit Score and Credit History:
    • Preferred credit score is 750+ for faster approval.
    • Lower scores (below 700) may lead to rejection or lower limit.
    • Bank reviews credit repayment history and existing obligations.
    • Applicants new to credit may be considered based on income or ICICI relationship.
  • Age of the Applicant:
    • Primary Cardholder: Must be 23–60/65 years old.
    • Supplementary Cardholder: Minimum age is 18 years.
    • Impact: Ensures financial maturity and responsible credit usage.
  • Nationality and Residency:
    • Must be a resident of India with a valid Indian address proof.
    • NRIs are typically not eligible unless specified under NRI services.
    • Impact: Required for compliance and easier verification.
  • Employment Status and Stability:
    • Salaried: Must be employed with a reputed organization for at least 6–12 months.
    • Self-Employed: Must have a stable business/profession running for 1–2 years.
    • Impact: Stability reflects steady income and lowers default risk.
  • Existing Relationship with ICICI Bank:
    • Having an ICICI account or fixed deposit strengthens the application.
    • Bank may offer lifetime free card or pre-approved offers to existing customers.
  • Debt-to-Income Ratio (DTI):
    • DTI should ideally be below 30–40%.
    • High DTI may result in lower credit limit or rejection.
  • Document Completeness and Accuracy:
    • Required documents: PAN Card, Aadhaar, Passport, Voter ID, salary slips, ITR, photo, etc.
    • Documents must be legible, consistent, and updated to avoid delays.
  • Spending Profile and Lifestyle:
    • The card targets premium users – frequent travelers, diners, and shoppers.
    • Bank may review past spending patterns to ensure card benefits match usage.

Frequently Asked Questions (FAQs)

What is the ICICI Bank Rubyx Credit Card?
The ICICI Bank Rubyx Credit Card is a premium credit card from ICICI’s Gemstone Collection. It offers lifestyle benefits such as airport and railway lounge access, golf privileges, reward points, and discounts on dining and travel. Available in Visa, MasterCard, and American Express variants.
Who is eligible to apply for the ICICI Bank Rubyx Credit Card?
Nationality: Indian Resident.
Age: Minimum 23 years (18 for add-on cards).
Income: ₹50,000/month (salaried) or ₹5.5 lakh/year (self-employed).
Credit Score: Preferably 750+.
Employment: Stable job or business (6 months+ for salaried, 1–2 years for self-employed).
What documents are required to apply?
Identity Proof: PAN Card (mandatory), Aadhaar, Passport, Voter ID, or Driving License.
Address Proof: Aadhaar, Passport, utility bill (<3 months), Voter ID, or rental agreement.
Income Proof: Salaried: Last 3 months’ salary slips, Form 16, or salary account bank statement.
Self-employed: Latest ITR or audited financials.
Photograph: Passport-size photo (mostly for offline applications).
How can I apply for the ICICI Bank Rubyx Credit Card?
Online: Visit www.icicibank.com, select the Rubyx Credit Card, complete the form, and upload documents.
iMobile Pay App: Go to Cards & Forex > Credit Cards > Apply.
Offline: Visit an ICICI Bank branch and submit the form and documents.
Processing Time: Usually 7–21 working days.
What are the fees and charges for the Rubyx Credit Card?
Joining Fee: ₹3,000 + GST (includes welcome vouchers worth ₹5,000+).
Annual Fee: ₹2,000 + GST (waived on ₹3,00,000 annual spend).
Finance Charges: Up to 3.6%/month (43.2% annually).
Foreign Currency Markup: 3.5% + GST.
What is the credit limit for the Rubyx Credit Card?
The credit limit is based on your income, credit score, and ICICI Bank’s internal policy. Typically 1–3x your monthly income (e.g., ₹1–1.5 lakh for ₹50,000/month income).
What are the key benefits of the Rubyx Credit Card?
  • Domestic Airport Lounge Access: 2/quarter (Visa); 1/quarter (MasterCard/Amex).
  • Railway Lounge Access: 2/quarter (MasterCard/Amex, primary cardholders only).
  • Golf Privileges: 2 free rounds/lessons per month on ₹50,000 spend.
  • Dining Offers: Minimum 15% off at partner restaurants (Culinary Treats).
  • Fuel Surcharge Waiver: 1% on ₹100–₹4,000 fuel spends (up to ₹400/month).
  • Reward Points: 2/₹100 (domestic), 4/₹100 (international), 1/₹100 (fuel, utilities, insurance).
How do I earn and redeem reward points?
Earn: 2 points/₹100 on domestic, 4/₹100 on international spends. 1 point/₹100 on fuel, utility, and insurance.
Redeem: On ICICI Rewards Portal for cash (1 point = ₹0.25), vouchers, products, or air miles.
Validity: Points valid for 3 years from accrual.
Can I get the Rubyx Credit Card as Lifetime Free (LTF)?
Yes, ICICI Bank may offer the Rubyx Credit Card as LTF to select customers with strong relationships (salary account, FD) or high salary credits. Check eligibility during application or contact customer care.
Why might my application be rejected?
Common reasons include:
  • Low credit score (below 700).
  • Income below eligibility limits.
  • High debt-to-income ratio.
  • Incomplete or mismatched documents.
You may reapply after improving your profile or opt for entry-level ICICI cards.

List of ICICI Bank Rubyx Credit Card AP Branches

  • Andhra Pradesh (Narsipatnam)
  • Andhra Pradesh (Nellore)
  • Andhra Pradesh (Nidadavole)
  • Andhra Pradesh (Nuzvid)
  • Andhra Pradesh (Ongole)
  • Andhra Pradesh (Palakol)
  • Andhra Pradesh (Palasa)
  • Andhra Pradesh (Parvathipuram)
  • Andhra Pradesh (Pedana)
  • Andhra Pradesh (Peddapuram)
  • Andhra Pradesh (Penugonda)
  • Andhra Pradesh (Pileru)
  • Andhra Pradesh (Pithapuram)
  • Andhra Pradesh (Proddatur)
  • Andhra Pradesh (Pulivendula)
  • Andhra Pradesh (Rajahmundry)
  • Andhra Pradesh (Rajam)
  • Andhra Pradesh (Rajampet)
  • Andhra Pradesh (Ramachandrapuram)
  • Andhra Pradesh (Rayachoti)
  • Andhra Pradesh (Rayadurg)