ICICI Bank Rubyx Credit Card
Card Details
Joining Fee:
Renewal Fee:
Card Type:
Reward Type:
Welcome Benefits:
Rewards & Benefits
Welcome Benefits
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Milestone Benefits
annual fee reversal on spending inr 1,00,000 on the card.
Cashback Rate
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Lounge Access
0
Movie Benefits
8
Dining Benefits
Other Benefits
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
Cons
The card has a high annual fee of Rs. 2,000.
The interest rate on the card is relatively high.
The card does not offer any complimentary airport lounge access/travel benefits/entertainment benefits.
Welcome benefit: Users can avail welcome vouchers worth ₹ 5,000+ within 45 days of payment of joining fees: Tata CliQ voucher worth Rs.2000. EaseMyTrip vouchers worth ₹ 2000. Uber voucher worth ₹ 250. Tata Croma vouchers worth ₹ 1000.
Reward system: Users will earn 2 reward points on every ₹100 domestic spends, an effective cashback rate: 0.50%, 4 reward points on every ₹100 international spends, an effective cashback rate: 1% and 1 reward point on every ₹100 on utilities and insurance, effective cashback rate: 0.25% 1RP = Rs. 0.25.
With an ICICI Bank Ruby credit card, users can earn a maximum of 15,000 ICICI Bank reward points every anniversary year.
Users can avail 25% discount upto Rs.150 on purchasing a minimum of 2 movie tickets per transaction on BookMyShow and Inox.
Users will get 2 complimentary access per quarter to select airport lounges in India.
Rewards & Benifits
Welcome Benefits
Customers can avail welcome vouchers worth ₹ 5,000+ within 45 days of payment of joining fees.
Rewards System
Users will earn 2 reward points on every ₹100 domestic spends, effective cashback rate: 0.50%, 4 reward points on every ₹100 international spends, effective cashback rate: 1% and 1 reward point on every ₹100 on utilities and insurance, effective cashback rate: 0.25% 1RP = Rs. 0.25.
International Forex Markup
Up to 3.5%
Welcome Benefits and Reward System
Special Features
Users can earn up to a maximum of 15,000 ICICI Bank reward points every anniversary year with an ICICI Bank Rubyx credit card.
Eligibility Criteria
Citizenship: You must be a citizen of India.
Age:
Primary card: Minimum age is 23 years old.
Supplementary card: Minimum age is 18 years old.
Income:
Salaried: Minimum monthly salary of Rs. 50,000.
Self-employed: Minimum annual income of Rs. 5.5 lakhs.
Benefits
Earn up to maximum of 15,000 ICICI bank reward points every anniversary year with ICICI bank Rubyx credit card.
Get 2 complimentary rounds of golf per month (one round on spends of every ₹50,000 in previous month)
2 complimentary access per quarter to select airport lounges in India, both on VISA variant. 2 complimentary access per quarter to selected airport lounges in India, one each on MasterCard and American Express variants.
Avail 25% discount upto Rs.150 on purchase of minimum 2 movie tickets per transaction on BookMyShow and Inox on VISA variant.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Head to the website: Visit the official ICICI Bank Rubyx Credit Card application page: https://www.icicibank.com/
Select your preferred variant: Choose between the regular Rubyx Credit Card and the Emirates Skywards Rubyx Credit Card (offers additional travel benefits).
Fill in the details: Provide your accurate personal information, contact details, employment details, and income information.
Upload documents: Scan and upload copies of required documents, such as PAN card, Aadhaar card, proof of address, and latest salary slips/IT returns.
Review and submit: Carefully review your application before submitting it. Once submitted, you'll receive a confirmation message.
Contact Details
1800 1080
Account Opening and Procedure
Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Welcome benefit: Users can avail welcome vouchers worth ₹ 5,000+ within 45 days of payment of joining fees: Tata CliQ voucher worth Rs.2000. EaseMyTrip vouchers worth ₹ 2000. Uber voucher worth ₹ 250. Tata Croma vouchers worth ₹ 1000.
Reward system: Users will earn 2 reward points on every ₹100 domestic spends, an effective cashback rate: 0.50%, 4 reward points on every ₹100 international spends, an effective cashback rate: 1% and 1 reward point on every ₹100 on utilities and insurance, effective cashback rate: 0.25% 1RP = Rs. 0.25.
With an ICICI Bank Ruby credit card, users can earn a maximum of 15,000 ICICI Bank reward points every anniversary year.
Users can avail 25% discount upto Rs.150 on purchasing a minimum of 2 movie tickets per transaction on BookMyShow and Inox.
Users will get 2 complimentary access per quarter to select airport lounges in India.
The card has a high annual fee of Rs. 2,000.
The interest rate on the card is relatively high.
The card does not offer any complimentary airport lounge access/travel benefits/entertainment benefits.
Along with being the first dual platinum credit card in India, the ICICI Bank Rubyx Card can be considered an ideal card that provides its customers with exclusive Reward offers & all the other benefits that one might be looking for. It provides you with complimentary railway and airport lounge access, so it doesn’t matter whether you are travelling by train or on a flight; you are going to have a luxurious experience in both cases. Moreover, the reward points you earn can be redeemed against cash or gifts. The exclusive Insurance & concierge benefits can also not be ignored. With all these exciting benefits, the ICICI Bank Rubyx Card has become a great choice for everyone looking for an affordable credit card with great advantages.
ICICI Rubyx Credit Card
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Joining Fee of ₹ 3,000 + GST
Annual Fee of ₹ 2,000 + GST from the second year onwards.
Interest Rate: 3.40% per month or 40.80% per year
Late Payment Fee: Rs. 100 or 5% of the outstanding balance, whichever is higher.
Cash Advance Fee: 2.5% of the amount withdrawn, minimum Rs. 500.
Foreign Currency Transaction Fee: 3.5% on all international transactions.
Fuel Surcharge
The ICICI Bank Rubyx Credit Card indeed offers a 1% fuel surcharge waiver on all fuel transactions up to Rs. 4,000 at any fuel outlet when the card is swiped. This means that if you use your Rubyx card to pay for fuel and the transaction incurs a 1% surcharge, the bank will automatically waive off 1% of the surcharge amount, subject to the Rs. 4,000 limit.
Billing Cycle
30 Days