ICICI Rubyx
by ICICI Bank · Data verified 2 days ago
Good mid-range card with movie and dining benefits
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- 10X on Travel, Dining, Entertainment (accelerated)
- 2X on all other spend
- ₹2 Lakh annual fee waiver
- Renewal benefit: 2,500 RP worth ₹2,500
- Low forex: 2%+ GST
- Milestone: ₹2,000 off on Taj Hotels on ₹4L+ spend
- 1% fee on education via third-party apps (effective Jan 15, 2026)
- 1% fee on utility bill payments >₹50,000/month (effective Jan 15, 2026)
- 1% fee on fuel transactions >₹10,000/month (effective Jan 15, 2026)
Things to Consider
- Transport reward earnings now capped at ₹20,000/month
- 1% fee on transport spends exceeding ₹50,000/month
- 2% fee on online gaming platform transactions
- 1% fee on wallet loads exceeding ₹5,000/month
- BookMyShow BOGO now requires ₹25,000 quarterly spend
- Annual fee of ₹3,000 + GST
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Travel BONUS | 4 pts/₹100 | 4 RP per ₹100 on international transactions |
| Shopping | 2 pts/₹100 | 2 RP per ₹100 on domestic spends (all categories) |
| Dining | 2 pts/₹100 | 2 RP per ₹100 on domestic dining |
| Utility | 1 pts/₹100 | 1 RP per ₹100 on utility/insurance payments |
| Fuel | — | 1% fuel surcharge waiver |
Domestic Lounges
8 per year
Golf Benefits
Complimentary
Fuel Savings
₹0/mo
Lost Card Cover
₹0
Movies
- •Buy 1 Get 1 free movie ticket up to ₹250 on BookMyShow, twice per month
Dining
- •Minimum 15% discount at participating restaurants via Culinary Treats Programme
Shopping
- •2X points on eligible spends
- •Contactless (tap-and-pay) enabled
- •EMI conversion on purchases above Rs.2,500
Travel
- •8 complimentary railway lounge visits annually
- •2 complimentary rounds of golf every month on eligible spends
Special Offers & Features
- •Up to ₹1 crore Air Accident Insurance cover
- •Up to ₹50,000 lost card liability cover
EMI Options
- •EMI conversion on purchases above Rs.2,500
- •Tenure: 3, 6, 9, 12, 18, 24 months
- •Interest rate: 13-22% p.a.
- •No-cost EMI at Amazon, Flipkart and partner merchants
Card Features
Mobile Wallet Support
CardSahayak Score
"Apply Now" takes you to ICICI Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on ICICI Rubyx
MakeMyTrip
Fly anywhere across India with premium flight savings exclusively for ICICI Bank credit cardholders. Book domestic flights on MakeMyTrip and unlock a flat 12% instant discount up to ₹1,800 on bookings of ₹5,000 and above.Whether traveling for business across Mumbai, Delhi, and Bengaluru or planning family vacations to Goa, Kerala, or Kashmir, this offer significantly reduces your net airfare. The discount applies across all major domestic carriers including IndiGo, Air India, and SpiceJet.Simply apply coupon code FLYICICI on checkout. The discount is applied in real-time before you make the payment, ensuring you never have to wait for cashback credits.
Step 2: Search for one-way or round-trip domestic flights across any Indian carrier with base fare minimum ₹5,000.
Step 3: On the booking review and payment screen, navigate to the 'Offers' section and enter promo code FLYICICI.
Step 4: Select ICICI Bank Credit Card as payment mode to instantly deduct up to ₹1,800 from your bill and complete the OTP authentication.
Offer is valid on domestic flight bookings made via MakeMyTrip website, mobile site, and mobile app. Minimum booking value of ₹5,000 (excluding convenience fees and taxes) is required. The maximum instant discount per booking is capped at ₹1,800. Offer can be availed once per cardholder per calendar month. Not applicable on ICICI Bank Commercial, Corporate, or Business credit cards. In case of flight cancellation, the instant discount will be deducted from the refund amount. Cannot be combined with any other promotional coupon or MMT gift cards.
Swiggy
Satisfy your culinary cravings with instant savings on Swiggy. ICICI Bank credit cardholders enjoy flat ₹100 off on every food delivery order above ₹499 across thousands of top dining spots in India.From casual weekday dinners to weekend family feasts, this recurring monthly benefit lets you save up to ₹200 every month on your favorite biryanis, pizzas, burgers, and gourmet dishes.Apply coupon code ICICIFOOD100 at checkout and pay with your ICICI card to see the price drop instantly.
Step 2: Add delicious meals worth ₹499 or more from participating restaurants to your cart.
Step 3: Proceed to the payment page, tap on 'Apply Coupon' and enter ICICIFOOD100.
Step 4: Complete payment using your ICICI Bank Credit Card to enjoy an immediate ₹100 deduction.
Offer valid strictly on food delivery orders placed via Swiggy mobile application. Minimum order value of ₹499 is required, excluding delivery fee, packaging charges, and taxes. Offer can be utilized twice per user per calendar month per registered ICICI card. Not applicable on Swiggy Instamart, Swiggy Dineout, or Swiggy Genie services. Payment must be made entirely using an eligible personal ICICI Bank Credit Card.
Croma
Upgrade your workstation, smart home, and gadget ecosystem with major savings at Croma. ICICI Bank credit cardholders get up to ₹5,000 instant discount on consumer electronics and home appliances.Whether purchasing Apple MacBooks, Samsung OLED TVs, flagship smartphones, or energy-efficient washing machines, this promotion provides significant relief on high-ticket technology purchases.Available both online at croma.com and across all physical Croma Megastores in India with zero paperwork required.
Step 2: Choose eligible premium electronics, laptops, televisions, or home appliances worth ₹20,000 or more.
Step 3: At checkout or POS terminal, choose ICICI Bank Credit Card Instant Discount offer.
Step 4: Select either full-swipe or eligible 3, 6, 9, 12 months EMI to trigger the instant deduction up to ₹5,000.
Offer valid on select SKUs across smartphones, laptops, audio systems, smart TVs, and home appliances. Minimum transaction amount of ₹20,000 is required to trigger tier-1 discount of ₹1,500, scaling up to ₹5,000 on transactions of ₹75,000+. Valid on both Full Swipe and EMI transactions on ICICI Bank Credit Cards. Limit of one redemption per card per calendar month. Not valid on Amazon Pay ICICI Credit Card for in-store transactions where merchant EMI restrictions apply.
EaseMyTrip
Experience luxury stays, boutique hotels, and weekend getaways across India for less. Use promo code EMTICICI on EaseMyTrip to unlock flat 20% instant discount up to ₹3,000 on your domestic hotel bookings.Valid across leading hospitality chains including Lemon Tree, Ginger, Taj, Radisson, and independent heritage resorts. Perfect for quick road-trip stays or relaxing holiday breaks.
Step 2: Choose your travel destination and select any verified domestic hotel or resort with booking value ₹3,500+.
Step 3: In the coupon code input box on the guest review page, apply coupon EMTICICI.
Step 4: Pay the discounted balance using an ICICI Bank Credit Card to secure your stay.
Valid on domestic hotel reservations made across India via EaseMyTrip platforms. Minimum booking amount is ₹3,500. Flat 20% discount is capped at a maximum of ₹3,000 per booking. Valid once per user per calendar month. In the event of booking cancellation, standard hotel cancellation charges apply and discount will be forfeited.
Zomato
Treat yourself and your family to gourmet dining at home. ICICI Bank credit cardholders get a flat 15% instant discount up to ₹150 on Zomato food delivery orders of ₹699 and above.Whether ordering healthy bowls, North Indian gravies, or late-night dessert boxes, use coupon code ICICINEW to make every meal more rewarding.
Step 2: Add delicious dishes totaling ₹699 or more to your cart.
Step 3: Go to the checkout screen and select coupon code ICICINEW under offers.
Step 4: Complete your payment with any ICICI Bank Credit Card to receive an instant ₹150 deduction.
Valid on food delivery orders placed through the Zomato mobile app. Minimum cart value of ₹699 is mandatory. Maximum discount is capped at ₹150 per transaction. Applicable once per user per calendar week. Valid on select partner restaurant outlets.
BookMyShow
Catch the newest blockbuster movies on IMAX, 4DX, and premium screens with BookMyShow and ICICI Bank. Get flat 25% off up to ₹150 on booking two or more cinema tickets.From Hollywood epics to regional releases, make weekend movie outings with friends and family more affordable and entertaining.
Step 2: On the order summary page, click on 'Unlock Offers or Apply Promocodes'.
Step 3: Select 'Credit Card' and choose the 'ICICI Bank 25% Discount' offer.
Step 4: Enter your 16-digit ICICI Credit Card number to unlock the instant discount up to ₹150 and complete booking.
Minimum purchase of 2 movie tickets in a single transaction is required. Discount of 25% is calculated on the ticket price, excluding internet handling fees and GST, capped at ₹150. Quota resets daily on a first-come, first-served basis. Valid twice per cardholder per calendar month.
Reliance Digital
Get tiered instant discounts up to ₹10,000 on consumer electronics, smart TVs, and tech gadgets at Reliance Digital with ICICI Bank Credit Cards.
Step 2: Add eligible laptops, smartphones, or home appliances of ₹15,000+ to cart.
Step 3: Checkout with ICICI Bank Credit Card or Card EMI to receive instant discount.
Valid on minimum spend of ₹15,000. Maximum discount up to ₹10,000 based on transaction slabs. Excludes commercial/corporate cards.
EazyDiner
ICICI Bank Culinary Treats: Enjoy flat 15% instant discount up to ₹750 on luxury dining bills using promo code CULINARYTREATS when paying with ICICI Bank Credit Cards via EazyDiner PayEazy.
Step 2: Settle your bill using PayEazy on the EazyDiner app.
Step 3: Apply promo code CULINARYTREATS and pay using an eligible ICICI Bank Credit Card to get 15% off instantly.
Valid on minimum bill of ₹3,500. Maximum discount ₹750 per bill. Valid twice per cardholder per calendar month.
Amazon India
Save up to ₹1,500 instantly on shopping, tech gadgets, and wardrobe updates on Amazon India using ICICI Bank Credit Cards.
Step 2: Add eligible items of ₹5,000 or more to cart.
Step 3: Select ICICI Bank Credit Card at checkout to trigger 10% instant discount.
Valid on minimum cart value of ₹5,000. Maximum discount ₹1,500. Valid during eligible promotional sale events on Amazon India.
Frequently Asked Questions
Everything you need to know about ICICI Rubyx
- • Min age: 21 years
- • Salaried: ₹75,000/month min
- • Self-employed: ₹75,000/month min
- • CIBIL: 720+ recommended
- ✓ Domestic: 8 per year
- → 2 complimentary domestic airport lounge visits per calendar quarter (8 per year) on spending ₹75,000 in preceding calendar quarter
- → 2 complimentary railway lounge visits per calendar quarter
- • Instant: Pre-approved ICICI Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for ICICI Rubyx today and unlock amazing rewards and premium experiences.
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