← Part of ICICI Credit Cards in India
The ICICI Bank Rubyx Credit Card, a premium offering for 2026, provides welcome vouchers worth ₹5,000 and up to 25% discount on movie tickets. This card is designed for individuals with significant lifestyle and travel expenditures, offering a flexible reward program and dual network options.
| Parameter | Details |
|---|---|
| Card Name | ICICI Bank Rubyx Credit Card |
| Card Type | Premium Credit Card, Dual Platinum Credit Card |
| Network Variants | Visa, RuPay, Mastercard, American Express |
| Joining Fee | ₹3,000 + service tax |
| Annual Fee | ₹2,000 + service tax (waived if ₹2,50,000 spent in previous year) |
| Welcome Benefit | Travel & shopping vouchers worth ₹5,000+ (from Croma, EaseMyTrip, Tata CliQ) |
| Movie Discount | 25% off up to ₹150 on 2 tickets via BookMyShow/INOX (twice monthly) |
| Complimentary Movie Tickets Eligibility | Spend ₹25,000+ in preceding quarter (effective Apr 1, 2026) |
| Airport Lounge Access | 2 complimentary per quarter (Visa variant, min. Spend ₹5,000 in calendar quarter) |
| Railway Lounge Access | 2 complimentary per quarter (min. Spend ₹5,000 in a quarter) |
| Fuel Surcharge Waiver | 1% for transactions up to ₹4,000 across all fuel stations in India |
| Dining Discount | Minimum 15% at 800+ restaurants (ICICI Bank Culinary Treats) |
| Air Accident Insurance | ₹1 crore (death only) |
| Reward Points Earning Rate | 0.25% to 1% on most redemptions |
| International Spends | 2 times more reward points |
| Concierge Service | 24×7 i-Assist (hotel/restaurant/car rental/medical/auto assistance) |
| Security Features | Chip & PIN, 3D Secure for online transactions |
| Minimum Monthly Salary (Primary Cardholder) | ₹50,000 |
| Minimum Annual Income (Self-employed) | ₹5.5 lakhs |
| Minimum CIBIL Score | 700 or above (some sources indicate 750+) |
| Age Eligibility | 21-65 years (Primary Cardholder), 18+ years (Supplementary Cardholder) |
The Rubyx Credit Card offers a full suite of benefits, making IT suitable for individuals seeking premium lifestyle and travel advantages in 2026.
Rubyx Card: Features & Benefits
The ICICI Bank Rubyx Credit Card offers a full suite of benefits, including up to 4 reward points on every ₹100 spent and welcome vouchers worth ₹5,000. Cardholders also receive complimentary access to domestic airport and railway lounges, travel experiences.
| Type/Category | Details | Key Feature |
|---|---|---|
| Travel Benefits | 2 complimentary domestic airport lounge accesses per quarter on Visa variant, with minimum spend of ₹5,000 in the previous calendar quarter. | Complimentary Lounge Access (Airport) |
| Travel Benefits | 2 complimentary railway lounge accesses per quarter in India, with minimum spend of ₹5,000 in a quarter. | Complimentary Lounge Access (Railway) |
| Entertainment | 25% discount on movie tickets (up to ₹150) on BookMyShow and INOX, on purchasing at least 2 tickets. Eligibility requires spending ₹25,000 or more in the preceding quarter (effective Apr 1, 2026). | Movie Ticket Discounts |
| Rewards Program | 2 reward points on every ₹100 spent domestically (except fuel) and 4 reward points on international purchases. Reward points value is ₹0.25 per PAYBACK Point. | Accelerated Reward Points |
| Milestone Benefits | 3,000 PAYBACK points on spending ₹3 lakh annually. | Annual Spend Bonus |
| Fuel Benefits | 1% fuel surcharge waiver on all fuel transactions from ₹400 – ₹4,000 at any fuel outlet in India. | Fuel Surcharge Waiver |
| Lifestyle Privileges | Complimentary golf rounds or lessons, offering access to iconic golf courses in India and worldwide. | Golf Privileges |
| Concierge Services | 24×7 premium concierge service (i-Assist) for hotel/flight/movie ticket bookings, restaurant reservations, car rentals, medical concierge, and emergency auto assistance in India. | Premium Concierge Service |
| Insurance | Air accident insurance of ₹1 crore (death only). | Air Accident Insurance |
| Welcome Benefits | Travel & shopping gift vouchers worth ₹5,000 upon paying the joining fee of ₹3,000, from brands like Croma, EaseMyTrip, and Tata CliQ. | Joining Bonus Vouchers |
| Dining Benefits | Minimum 15% discount on dining at over 800 restaurants across India through the ICICI Bank Culinary Treats programme. | Dining Discounts |
| Security Features | Chip and PIN security, 3D Secure for online transactions, and protection against counterfeiting and card duplication. | d Security |
| Card Variants | Available in Visa, RuPay, Mastercard, and American Express variants, including dual network options. | Multiple Network Options |
| Renewal Fee Waiver | Renewal fee waiver based on annual spending. | Spend-Based Waiver |
The Rubyx Credit Card is designed for high-spenders, offering a flexible reward program and exclusive privileges across travel, entertainment, and lifestyle categories.
Rubyx Card: Fees & Charges 2026
The ICICI Bank Rubyx Credit Card carries a joining fee of ₹3,000, which includes welcome vouchers worth ₹5,000 for travel and shopping. An annual fee of ₹3,000 applies, though IT can be waived based on your spending in an anniversary year.
| Metric | Value (₹) | Details |
|---|---|---|
| Joining Fee | 3,000 | Includes welcome travel & shopping gift vouchers worth ₹5,000. |
| Annual Fee | 3,000 | Can be waived based on spending in an anniversary year. |
| Fuel Surcharge Waiver | 1% | Applicable on fuel transactions from ₹400 to ₹4,000 at any fuel outlet in India. |
| Movie Ticket Discount | 25% (up to 150) | On purchasing at least 2 movie tickets via BookMyShow or INOX. Eligibility requires ₹25,000+ spend in the preceding quarter (effective April 1, 2026). |
| Airport Lounge Access | Complimentary (2 per quarter) | For select lounges in India (Visa variant) on spending ₹5,000+ in a calendar quarter. |
| Railway Lounge Access | Complimentary (2 per quarter) | For select lounges in India on spending ₹5,000+ in a calendar quarter (primary cardholders). |
| Air Accident Insurance | 1 crore | Covers death only. |
| Lost Card Liability Cover | 50,000 | Includes loss up to 2 days before reporting. |
| IMPS Transaction Fee | 6 + GST | For transactions exceeding ₹1 lakh and up to ₹2 lakh (effective February 15, 2026). |
| IMPS Transaction Fee | 10 + GST | For transfers above ₹2 lakh and up to ₹5 lakh (effective February 15, 2026). |
| Transportation Transactions Charge | 1% | On amounts exceeding ₹50,000 (phased implementation January – February 2026). |
The ICICI Bank Rubyx Credit Card also offers 24×7 concierge services, including hotel and flight bookings, and emergency auto assistance, its premium offerings.
Rubyx Card: Rewards & Milestones
The ICICI Bank Rubyx Credit Card offers a flexible reward program with benefits across shopping, dining, and travel categories. Cardholders receive welcome vouchers worth ₹5,000 on paying the joining fee, redeemable at top brands like Croma and EaseMyTrip.
- Welcome Vouchers: Receive gift vouchers worth ₹5,000 for travel and shopping from brands such as Croma, EaseMyTrip, and Tata CliQ upon paying the joining fee.
- Reward Points: Earn up to 4 reward points on every ₹100 spent, with an earning rate ranging from 0.25% to 1% on most redemptions.
- Milestone Bonus: Get 3,000 Payback points on spending ₹3 lakh on the card, and 1,500 points on spending over ₹1 lakh.
- International Spends: Enjoy accelerated rewards, earning 2 times more reward points on international transactions.
- Movie Discounts: Get a 25% discount, up to ₹150, on purchasing at least two movie tickets twice a month via BookMyShow or INOX.
- Complimentary Movie Tickets: From April 1, 2026, spend ₹25,000 or more in the preceding quarter to get complimentary movie/event tickets via BookMyShow in the following quarter.
- Dining Privileges: Avail a minimum 15% discount on dining bills at over 800 restaurants across India through the ICICI Bank Culinary Treats programme.
- Airport Lounge Access: The Visa variant offers 2 complimentary airport lounge accesses every quarter, subject to a minimum spend of ₹5,000 in the previous calendar quarter.
- Railway Lounge Access: Receive 2 complimentary railway lounge accesses every quarter at select railway lounges in India.
- Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on transactions up to ₹4,000 at all fuel stations across India.
- Air Accident Insurance: The card provides air accident insurance coverage of ₹1 crore (death only).
- Concierge Services: Access 24/7 premium concierge services for hotel/restaurant reservations, car rentals, medical assistance, and emergency auto assistance in India.
These rewards and milestone benefits are designed for high-spenders seeking full lifestyle and travel privileges from their credit card.
Rubyx Card: Eligibility & Documents
To qualify for the ICICI Bank Rubyx Credit Card in 2026, applicants must be Indian citizens aged between 21 and 65 years. A strong CIBIL score of 700 or above is generally required to secure approval for this premium card.
- Citizenship: Applicants must be citizens of India. This is a fundamental requirement for all ICICI Bank credit cards.
- Age Criteria: The primary cardholder must be between 21 and 65 years old. Supplementary cards are available for individuals aged 18 years and above.
- Credit Score: A CIBIL score of 700 or higher is typically expected. Some sources indicate a preference for scores of 750 or above for optimal terms.
- Minimum Income (Salaried): Salaried individuals generally need a minimum monthly salary of ₹50,000. This ensures the applicant can manage credit card payments.
- Minimum Income (Self-Employed): Self-employed applicants usually require a minimum annual income of ₹5.5 lakh. Income proof is for assessment.
- Employment Status: Both salaried and self-employed individuals are eligible. Consistent income is a key factor for approval.
- Application Mode: Applications can be submitted online via the ICICI Bank website or iMobile app, or offline at any ICICI Bank branch.
Meeting these criteria the likelihood of approval for the ICICI Bank Rubyx Credit Card, offering access to its premium benefits.
Rubyx vs Sapphiro vs Coral
The ICICI Bank Rubyx, Sapphiro, and Coral credit cards cater to different spending profiles, with varying fees and benefits. The Rubyx card has a joining fee of ₹3,000, while the Sapphiro card’s fee is ₹6,500 and the Coral card’s is ₹500 + GST.
| Feature | Rubyx Card | Sapphiro Card | Coral Card |
|---|---|---|---|
| Card Type | Premium Credit Card, Dual Platinum | Premium Credit Card, Top-tier | Credit Card for frequent shoppers and travellers |
| Joining Fee | ₹3,000 | ₹6,500 along with taxes | ₹500 + GST |
| Welcome Benefits | Travel & shopping gift vouchers worth ₹5,000 | Complimentary DreamFolks DragonPass Programme membership | Up to 10,000 additional reward points |
| Movie Discounts | 25% discount (up to ₹150) on 2 tickets via BookMyShow/INOX (spend ₹25,000 in preceding quarter for eligibility from Apr 1, 2026) | Exclusive privileges on entertainment | 25% discount on movie tickets through BookMyShow and INOX twice a month |
| Domestic Airport Lounge Access | 2 complimentary per quarter (Visa variant, spend ₹5,000 in a quarter) | Up to 4 complimentary every quarter | One complimentary per quarter |
| Domestic Railway Lounge Access | 2 complimentary per quarter | Not explicitly mentioned | One complimentary per quarter |
| International Lounge Access | Not explicitly mentioned | 2 complimentary every year | Not explicitly mentioned |
| Fuel Surcharge Waiver | 1% for transactions up to ₹4,000 across all fuel stations in India | Not explicitly mentioned | Not explicitly mentioned |
| Air Accident Insurance | ₹1 crore (death only) | Not explicitly mentioned | Not explicitly mentioned |
| Dining Discount | Minimum 15% at over 800 restaurants via ICICI Bank Culinary Treats | Not explicitly mentioned | Discounts on dining and entertainment |
| Reward Points Earning Rate | 0.25% to 1%, up to 4 points on every ₹100 spent | Versatile benefits for daily use | Rewards, cashback, and discounts |
| International Transactions | 2 times more rewards | Not explicitly mentioned | Not explicitly mentioned |
The Rubyx card offers substantial welcome vouchers and specific lounge access benefits, while the Sapphiro card provides higher domestic lounge access and international lounge benefits, making IT suitable for frequent international travellers.
Applying for Rubyx Credit Card
Applying for the ICICI Bank Rubyx Credit Card in 2026 is straightforward, with options available both online and offline. The card requires a minimum CIBIL score of 700 and a monthly salary of ₹50,000 for salaried individuals.
Applicants must be Indian citizens between 21 and 65 years old to qualify for the primary card.
- Online Application: You can apply through the ICICI Bank website or the iMobile app. Fill in the required details and complete the digital documentation process.
- Offline Application: Visit any nearest ICICI Bank branch to fill out a physical application form and submit necessary documents.
- Eligibility Check: Ensure you meet the age criteria (21-65 years) and have a CIBIL score of 700 or above.
- Income Requirements: Salaried applicants need a minimum monthly salary of ₹50,000, while self-employed individuals require a minimum annual income of ₹5.5 lakhs.
- Document Submission: Prepare your KYC documents, income proof, and address proof for submission during the application process.
- Third-Party Portals: Applications can also be initiated through financial aggregators like Paisabazaar.com or Indialends.com, which streamline the process.
The application process typically involves an eligibility check, document verification, and final approval from ICICI Bank.
Key Takeaways
- The ICICI Bank Rubyx Credit Card is available to Indian citizens aged 21-65 with a CIBIL score of 700+.
- Salaried applicants need a minimum monthly income of ₹50,000, while self-employed individuals require ₹5.5 lakhs annually.
- Applications can be completed online via the ICICI Bank website/iMobile app or offline at a bank branch.
Check your eligibility and apply for the ICICI Bank Rubyx Credit Card on the official ICICI Bank website or through partner portals.
Frequently Asked Questions (FAQs)
What are the main benefits of the ICICI Bank Rubyx Credit Card in 2026?
The ICICI Bank Rubyx Credit Card offers premium rewards, exclusive lifestyle privileges, and discounts on movie tickets via BookMyShow and INOX. Cardholders also receive complimentary access to airport and railway lounges, along with air accident insurance coverage. IT is designed for those seeking all-rounder benefits for domestic travel and lifestyle spending.
Does the ICICI Bank Rubyx Credit Card offer complimentary lounge access?
Yes, the ICICI Bank Rubyx Credit Card provides complimentary access to select airport lounges and two complimentary accesses to select railway lounges in India every quarter. This benefit your travel experience, particularly for domestic journeys. Access terms may require minimum spending in the preceding quarter.
What are the movie ticket benefits with the ICICI Bank Rubyx Credit Card in 2026?
As of April 1, 2026, you can get complimentary movie/event tickets with BookMyShow if you spend ₹25,000 or more on your card in the preceding quarter. This offer allows you to avail discounts in the subsequent calendar quarter. The card also offers a 25% discount on movie tickets through BookMyShow and INOX twice a month.
Can I use the ICICI Bank Rubyx Credit Card for international purchases?
Yes, you can use the ICICI Bank Rubyx Credit Card for online purchases across India and in select overseas stores. The card also offers accelerated rewards on international spends, making IT suitable for global transactions. Always check current forex markup fees before international use.
What kind of rewards program does the ICICI Bank Rubyx Credit Card have?
The ICICI Bank Rubyx Credit Card features a flexible reward program with points on most transactions, excluding fuel. IT also provides an attractive joining bonus in the form of vouchers from brands like Croma, EaseMyTrip, and Tata CliQ. Milestone bonuses are also available, allowing you to maximize value based on your spending.
What is the eligibility criteria for the ICICI Bank Rubyx Credit Card?
To be eligible for the ICICI Bank Rubyx Credit Card, applicants typically need to be salaried individuals with a stable income. While specific income thresholds vary, a strong CIBIL score, generally above 750, is for approval. You can apply online via the ICICI Bank website, iMobile app, or at any branch.
Does the ICICI Bank Rubyx Credit Card offer concierge services?
Yes, the ICICI Bank Rubyx Credit Card provides access to ICICI Bank’s 24×7 i-Assist concierge service. This service assists with hotel and flight bookings, movie and restaurant reservations, car rentals, and gift deliveries. Cardholders also receive medical concierge privileges and emergency auto assistance.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.