How to Apply for the ICICI Rubyx Credit Card in 2026
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.
FinWiz24 Editorial
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
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.
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Written by FinWiz24 Editorial
Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.