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Yes you will join the club at the Ruby level. This means that when you next book a cruise (not one you already have booked) you will receive a Portunus 5% discount. From now on (including your next cruise) you will also receive 5% discount on anything you spend onboard - including excursions (not in the casino though, and I think there's one other exception). When you get your statement at the end of the cruise they will take your 5% discount off. Then as you cruise more you eventually go up to Sapphire level and then Gold. Hope this helps.
The Portunus 5% discount on cruise bookings, only applies to dedicated Portunus Club cruises, as detailed in the P&O brochures, and as you will find out in the Portunus Club pack that P&O will be sending you.
However the Onboard discount of 5% for the Ruby tier members applies to all P&O cruises, with some exceptions, like the Casino, Art Auction purchases, but again your pack details will explain it in more detail.
Yes that is correct, if that was your first cruise with P&o. You receive 10 points for each day you cruise. If you check the website it should give you all the info. you need