ICICI Rubyx Credit Card 2025
Save over ₹45,000+ every year with 32 lounge visits + unlimited movies!
Best mid-premium lifestyle card! ICICI Rubyx gives 4 domestic + 4 international lounge visits every quarter (32/year), Buy 1 Get 1 free movies (upto ₹500/ticket), 3 reward points/₹100 on all spends, and ₹5,000 welcome vouchers.
Perfect for movie lovers & frequent travelers!
Why Choose ICICI Rubyx in 2025?
32 lounge visits/year • BOGO movies (₹12,000 value) • ₹5,000 vouchers • 1.99% forex • 6 golf rounds/month
Best for: Movie buffs, frequent flyers, ₹50K+/month spenders
Card At a Glance
₹3,000 + GST
₹3,000 + GST (Waived on ₹5L)
3 RP/₹100 (2% return)
₹5,000 Vouchers
4+4/Quarter (32/year)
1.99%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹3,000 + GST |
| Annual Fee | ₹3,000 + GST (Waived on ₹5L spend) |
| Welcome Benefit | ₹5,000 vouchers on first txn |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 1.99% + GST |
| Interest Rate | 3.4% per month |
| Fuel Surcharge Waiver | 1% (₹400-₹5,000 txn, max ₹400/month) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 3 Reward Points per ₹100 (2% return) on ALL spends
- 1 RP = ₹0.50 (vouchers) | 1:1 airmiles transfer
- Buy 1 Get 1 Free movies (upto ₹500/ticket, twice/month)
- 6 complimentary golf rounds/month
- Points valid 2 years
- No exclusions except wallet loads
Airport Lounge Access
4 domestic + 4 international lounge visits per quarter (32/year total)
Primary + add-on eligible
No minimum spend required
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- ₹50 Lakh personal accident cover
- ₹25,000 lost card liability
- 6 golf rounds/month free
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 32 lounge visits/year | ₹3,000 joining fee |
| BOGO movies (₹12,000 value) | 2-year point expiry |
| ₹5,000 welcome vouchers | 3.4% interest rate |
| 1.99% low forex | ₹5L waiver threshold |
| 6 golf rounds/month | No milestone benefits |
| Easy ₹5L fee waiver |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹9 Lakh
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR
How to Apply Online (5-Minute Process)
- Visit ICICI website and select Rubyx Card
- Fill basic details → Instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2 minutes)
- Card delivered in 7 days
Final Verdict – Should You Get It in 2025?
Best mid-premium lifestyle card! 32 lounge visits + BOGO movies + ₹5,000 vouchers = ₹45,000+ value. Perfect if you love movies & travel frequently!
Frequently Asked Questions (FAQs)
How many lounge visits?
4 domestic + 4 international per quarter = 32 visits/year.
BOGO movies details?
Buy 1 Get 1 free (upto ₹500/ticket), twice per month.
Fee waiver threshold?
₹5 Lakh annual spend waives ₹3,000 fee.
Do points expire?
Yes, 2 years from earning date.
Any exclusions?
Only wallet loads excluded from rewards.