How to Apply for the ICICI Rubyx Credit Card in 2026

title: "How to Apply for the ICICI Rubyx Credit Card in 2026" slug: how-to-apply-for-icici-rubyx-credit-card excerpt: "Apply for the ICICI Rubyx Credit Card and get 2X reward points on dining, plus 4 lounge visits a year. Income thresholds, fees, and walkthrough." category: how-to-apply tags:

• icici
• rubyx
• premium
• lounge-access
• dining relatedCards:
• icici-rubyx heroImage: /images/guides/icici-rubyx.svg publishedAt: "2026-06-18T16:57:29.062Z"

The ICICI Rubyx Credit Card is a mid-premium ICICI card that sits between Coral and Sapphiro. It offers 2 reward points per ₹100 on retail, 2X on dining and entertainment, 4 domestic lounge visits, 2 international lounge visits, and 1% fuel surcharge waiver. The annual fee is ₹3,000, waived on spends of ₹2 lakh in the previous year.

Why this matters

Rubyx is a good upgrade for users who find Coral's benefits too basic but don't qualify for Sapphiro. The 2X on dining is unique at this fee level — no other card at ₹3,000 annual fee pays 2X on dining. The 4+2 lounge visits are enough for moderate travellers.

Related cards

How to Apply for the ICICI Rubyx Credit Card in 2026

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    <h4 class="mb-1 text-base font-semibold text-ink">Verify Rubyx eligibility</h4>
    <p class="text-sm leading-relaxed text-ink-muted">You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹35,000 for salaried. CIBIL score of 730+ is preferred.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Apply through ICICI NetBanking or iMobile Pay</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Visit icicibank.com → Cards → Credit Cards → Rubyx. Existing ICICI customers can apply via iMobile Pay → Cards → Apply.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete the application</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Provide your personal details, employment information, and monthly income. The form is pre-filled if you are an existing ICICI customer.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete Aadhaar eKYC</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Upload income documents</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Upload the latest 3 months&#39; salary slips and the last 6 months&#39; bank statement. Self-employed applicants must upload 2 years&#39; ITR with computation and Form 26AS.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Submit and track</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Submit the form. The 12-digit application reference is shown. Track status in iMobile Pay. Approval takes 7–10 working days.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Pay the joining fee and receive the card</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Once approved, ICICI will charge ₹3,000 + GST as the joining fee. The card is delivered within 5 working days. Activate via IVR, iMobile Pay, or at any ICICI ATM.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Use for dining to chase the 2X multiplier</h4>
    <p class="text-sm leading-relaxed text-ink-muted">The 2X dining multiplier is capped at 5,000 points per month. Plan your dining spends accordingly to maximise the multiplier.</p>
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Common mistakes to avoid

The 2X dining multiplier is restricted to direct restaurant POS transactions — Swiggy and Zomato do not count. The 4 domestic + 2 international lounge visits are via Dreamfolks — register before your first travel.

Pro tips

• Use Rubyx for offline dining and entertainment to chase the 2X multiplier
• Pay the joining fee even if you plan to waive it — waivers only work on paid cards
• Pair with the Amazon Pay ICICI card for online spends
• Register on Dreamfolks and link the card before your first trip

Frequently asked questions

What is the annual fee on Rubyx?

₹3,000 + GST, waived on ₹2 lakh spends in the previous 12 months.

How many lounge visits are included?

4 domestic + 2 international per year via Dreamfolks.

Does the 2X dining apply to Swiggy?

No. The 2X dining multiplier is restricted to offline restaurant POS transactions. Swiggy and Zomato earn the base 2 points per ₹100.