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How to Apply for the ICICI Rubyx Credit Card in 2026

Renish Mithani's profile photo Renish Mithani
3 min read
Reviewed by Darshil Chauhan Last reviewed 5 September 2026 Data verified 5 September 2026

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.

How to Apply for the ICICI Rubyx Credit Card in 2026

How to apply Total time: 15 min · Estimated cost: ₹3,000 (joining fee) · You’ll need: PAN, Aadhaar, salary slips, bank statement, mobile

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.

  1. Verify Rubyx eligibility — 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.
  2. Apply through ICICI NetBanking or iMobile Pay — Visit icicibank.com → Cards → Credit Cards → Rubyx. Existing ICICI customers can apply via iMobile Pay → Cards → Apply.
  3. Complete the application — Provide your personal details, employment information, and monthly income. The form is pre-filled if you are an existing ICICI customer.
  4. Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
  5. Upload income documents — Upload the latest 3 months’ salary slips and the last 6 months’ bank statement. Self-employed applicants must upload 2 years’ ITR with computation and Form 26AS.
  6. Submit and track — Submit the form. The 12-digit application reference is shown. Track status in iMobile Pay. Approval takes 7–10 working days.
  7. Pay the joining fee and receive the card — 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.
  8. Use for dining to chase the 2X multiplier — The 2X dining multiplier is capped at 5,000 points per month. Plan your dining spends accordingly to maximise the multiplier.

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.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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