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ICICI Bank Rubyx credit card: fees, features & benefits

ICICI Bank Rubyx credit card: fees, features & benefits

December 30, 2021
10 min read
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premium lifestyle at your doorstep

India’s first dual credit card, ICICI Bank Rubyx card is a dream come true. as a user, you will be provided with two cards: ICICI Bank Rubyx American Express® Platinum credit card and ICICI Bank Rubyx MasterCard Platinum Chip credit card. the cards are linked to one bank account and a single statement and fee providing access to lifestyle, dining, golf and travel privileges from American Express and MasterCard. 
read on to learn more about its benefits, fees and charges, the application process, eligibility criteria and more.



welcome vouchers

vouchers on shopping and travel worth ₹5,000 on payment of joining fee

anniversary rewards

15,000 points every year

golf privileges

2 complimentary rounds of golf every month at the golf course of your choice based on eligible spends on your card

airport lounge privileges

2 complimentary domestic airport lounge visits per quarter

railway lounge privileges

2 complimentary domestic railways lounge visits per quarter

movie tickets

2 complimentary movie tickets every month under the buy 1 get 1 offer through -

international transaction

2x points on all international transactions

dining rewards

minimum 15% savings on dining bills at over 2,500+ restaurants across India

how do i apply for ICICI Bank Rubyx card?

  • visit the official website of ICICI Bank and click on products > cards > credit card.
  • select your net annual income as ‘>10 lacs’.
  • an image of Rubyx credit card will appear on the screen along with the ‘apply now’ button.
  • click on ‘apply now’ and fill in your personal details and click on ‘get offers’.
  • your eligibility will be checked basis the provided details
  • an image with a description of the card will be displayed on your screen based on your eligibility.
  • click on the ‘apply now’ button and fill the application form.
  • you can also visit the nearest branch of ICICI Bank to apply for ICICI Rubyx credit card.

am i eligible for this credit card?

  • you must be a citizen of India
  • you must be minimum 23 years old for the primary card and 18 years old for supplementary card
  • you must have a minimum monthly salary of ₹50,000. if you are self-employed, the minimum annual income must be a minimum ₹5.5 lakhs.

what documents do i require?

following supporting documents that have to be submitted along with your credit card application:

  • PAN card, Aadhaar card, voter's ID or driving license can be submitted as identity proof and address proof
  • the latest IT returns and salary slips
  • passport-sized photograph

types of charge


joining fee

₹3,000 + GST

annual fee (1st year)


annual fee (2nd year onwards)

₹2,000 + GST

supplementary card fee (annually)


minimum spends for annual fee reversal


overdue interest on extended credit

3.40% (monthly)
40.80% (annually)

cash advance interest rate

3.40% (monthly)
40.80% (annually)

cash advance fee

2.50% on the advanced amount, subject to a minimum of ₹300

late payment charges

total due amount less than ₹100: late payment charge - none
total amount due between ₹100 to ₹500: late payment charge - ₹100
total amount due between ₹501 to ₹10,000: late payment charge - ₹500
total amount due more than ₹10,000: late payment charge - ₹750



fee on cash payment at branches

₹100 per payment transaction

frequently asked questions (FAQs)

how do i pay my credit card bill?

you can make your credit card payment by doing any of the following:

  • drop your cheque in the ‘drop box’ at ICICI Bank branches
  • cash payments at an ICICI Bank branch or ICICI Bank ATM
  • auto-debit
  • net banking
  • CRED app: you can make your ICICI credit card payment on CRED and earn additional rewards.

why is the ICICI Rubyx credit card a dual credit card?

you will be provided with an ICICI Bank Rubyx American Express® Platinum credit card and an ICICI Bank Rubyx MasterCard Platinum Chip credit card—both connected to the same bank account and same statement and fee.

is there any other method to apply for an ICICI Rubyx credit card?

there are two other ways of applying:

  • SMS “RUBYX” to 5676766 and you will receive a call 
  • visit the nearest ICICI Bank branch and speak with a bank executive

what do i do if my ICICI Bank credit card is lost or stolen?

in the case of loss, theft or misuse of your credit card, the incident must be reported immediately to ICICI Bank through customer care or via SMS CCBLK <last 4 digits of your card> to 5676766 from your registered mobile number. your card will be suspended for 7 working days. you have to file an FIR with the police and submit a copy to the bank.

when will i receive the welcome bonus points?

within 30 days of payment of joining fees.

is complimentary lounge access available even on supplementary cards?

no. the lounge access privilege is only for the primary card holder.