Skip to content
Tax Calculator
How to Apply for the ICICI Rubyx Credit Card in 2026 cover illustration

Guide

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 13 October 2026 Data verified 13 October 2026
ICICIRubyxPremiumLounge AccessDining

You can apply for the ICICI Rubyx Credit Card if you earn at least ₹35,000 a month. The annual fee is ₹3,000, waived on ₹2 lakh spends a year. You get 2X reward points on dining and entertainment, 4 domestic plus 2 international lounge visits a year, and a 1% fuel surcharge waiver.

Why this matters

Rubyx is the only card at the ₹3,000 annual fee level that pays 2X on dining. If you spend ₹15,000 a month on dining, the 2X gives you 1,800 points a month — worth about ₹900 a year in vouchers. The 6 combined lounge visits cover most moderate travellers. The ₹3,000 fee is waived on ₹2 lakh a year, which most applicants clear naturally.

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

  • Ordering through Swiggy and Zomato — The 2X dining multiplier applies only to offline restaurant POS transactions. Food delivery apps settle as wallets and earn only 2 points per ₹100. Spending ₹10,000 a month through Zomato instead of dining out loses you 1,800 points a month — ₹90 in voucher value.
  • Not registering on Dreamfolks before the first lounge visit — The 6 combined lounge visits require Dreamfolks registration. Arriving without a pre-linked card means paying ₹1,200 to ₹1,800 plus GST at the door.

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

Share: X (Twitter) LinkedIn WhatsApp

← All guides