Unveiling the ICICI Rubyx Credit Card: A Comprehensive Overview


The ICICI Rubyx Credit Card stands out as a premier offering in the realm of credit cards, providing cardholders with a host of benefits and features. In this detailed exploration, we delve into the key aspects of the ICICI Rubyx Credit Card, covering its unique features, application process, rewards program, and additional information that makes it a sought-after choice for individuals seeking a well-rounded credit card experience.

Card Overview

The ICICI Rubyx Credit Card is a dual-variant credit card that combines both the Visa and Mastercard platforms, offering users the flexibility to choose the network that suits them best. With its distinctive design and dual functionality, the card caters to diverse spending preferences.

Application Process

Applying for the ICICI Rubyx Credit Card is a streamlined process. Interested individuals can visit the official ICICI Bank website or approach a branch to fill out the online application form. The application typically requires personal and financial information, and once submitted, the bank reviews the application to determine eligibility.

Eligibility Criteria

To qualify for the ICICI Rubyx Credit Card, applicants need to meet certain eligibility criteria set by the bank. This includes a minimum age requirement, a stable income, and a good credit score. Meeting these criteria enhances the chances of approval for this premium credit card.

Features and Benefits

The ICICI Rubyx Credit Card is laden with features that cater to various aspects of a cardholder’s lifestyle. From complimentary airport lounge access and fuel surcharge waivers to dining privileges and exclusive lifestyle benefits, this credit card offers a comprehensive package to enhance the overall customer experience.

Mighty Rewards Plan

Unlock boundless excitement with ICICI Bank Rewards Program! Your ICICI Bank Credit Card is your gateway to a world of rewards.

Earn 2 reward points on every ₹100 Domestic Spends, 4 reward points on every ₹100 International Spends, and 1 reward point on every ₹100 on Utilities and Insurance.

Redeeming your ICICI Bank Rewards Points is a breeze, allowing you to indulge in the finer things life has to offer. From movie and travel vouchers to lifestyle products, your ICICI Bank Rewards Points offer a diverse range of options for redemption. Elevate your lifestyle by turning points into mobiles, appliances, and more, making every choice a rewarding one.

Dual Card Variant

One of the standout features of the ICICI Rubyx Credit Card is its dual-variant nature, offering both Visa and Mastercard options. This duality ensures wider acceptance globally, allowing cardholders to transact seamlessly across a vast network of merchants and ATMs.

Reward Points and Redemption

Cardholders earn reward points on every transaction made using the ICICI Rubyx Credit Card. These reward points can be redeemed for a variety of options, including air miles, hotel stays, merchandise, and more. The comprehensive rewards program adds significant value to the card, making it rewarding for frequent users.

Host Of Benefits

Get Welcome Vouchers on Shopping and Travel worth Rs 5000+ on payment of joining fee of the card.

Avail amazing welcome vouchers worth ₹ 5,000+ within 45 days of payment of joining fees.

Tata CliQ Voucher worth Rs.2000

EaseMyTrip Vouchers worth ₹ 2000 (Two vouchers worth ₹ 1000 each)

Uber Voucher worth ₹ 250

Tata Croma Vouchers worth ₹ 1000 (Two vouchers worth ₹ 500 each)

To know more about redemption of vouchers and other terms and conditions,

Earn up to maximum of 15,000 ICICI Bank Reward Points every anniversary year with ICICI Bank Rubyx Credit Card.

Get 2 Complimentary rounds of golf per month (one round on spends of every ₹50,000 in previous month)

2 complimentary access per quarter to select airport lounges in India, both on VISA variant. 2 complimentary access per quarter to selected airport lounges in India, one each on MasterCard and American Express variants.

Avail 25% discount upto Rs.150 on purchase of minimum 2 movie tickets per transaction on BookMyShow and Inox on VISA variant. The offer can be availed twice a month on BookMyShow and Inox each. (One ticket each on MasterCard and American Express variants.)

Insurance Coverage

The ICICI Rubyx Credit Card often comes with insurance coverage, providing cardholders with added financial security. This may include travel insurance, purchase protection, and other insurance benefits, adding an extra layer of protection to cardholders’ transactions and purchases.

Fees And Charges

Understanding the fees and charges associated with the ICICI Rubyx Credit Card is crucial for informed usage. This may include annual fees, interest rates, and other charges. However, many of these fees can be offset by leveraging the card’s benefits and rewards program effectively.

Online Account Management

ICICI Bank provides a user-friendly online portal and mobile app, allowing Rubyx Credit Cardholders to manage their accounts conveniently. From checking statements and paying bills to monitoring reward points and accessing exclusive offers, the online platform enhances the overall user experience.

Customer Support and Assistance

ICICI Bank prioritizes customer satisfaction, offering dedicated customer support for Rubyx Credit Card users. Whether it’s assistance with card-related queries, reporting a lost card, or resolving issues, the bank’s customer support is accessible through various channels, including phone, email, and in-branch assistance.

Security Features

Our Credit Cards come with an embedded microchip which provides additional security against counterfeiting and duplication of cards.

The new chip cards have an extra layer of security in the form of a Personal Identification Number (PIN)

You will be required to enter your PIN on the terminal for transactions at merchant outlets

To know more about Chip and PIN security, please click here

This PIN is not required for online transactions.


The ICICI Rubyx Credit Card stands as a testament to ICICI Bank’s commitment to providing a premium credit card experience. With its dual-variant design, comprehensive features, and a robust rewards program, the card caters to the diverse needs of modern consumers. Aspiring cardholders can benefit significantly from this credit card, enjoying a seamless blend of functionality, rewards, and exclusive privileges.

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