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ICICI Bank Rubyx Credit Card

Product Details
Credit Card Name : 

ICICI Bank Rubyx Credit Card

Bank Name :

ICICI Bank

Type :

Lifestyle Credit Card

Interest Rate : 

3.40% per month or 40.80% per year

Eligibility :

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.

ICICI Bank Rubyx Credit Card
Pros
  • Earn 2 reward points on every ₹100 Domestic Spends, 4 reward points on every ₹100 International Spends, and 1 reward point on every ₹100 on Utilities and Insurance.

  • Redeeming your ICICI Bank Rewards Points is a breeze, allowing you to indulge in the finer things life has to offer.

  • Avail amazing welcome vouchers worth ₹ 5,000+ within 45 days of payment of joining fees.

  • Tata CliQ Voucher worth Rs.2000

  • EaseMyTrip Vouchers worth ₹ 2000 (Two vouchers worth ₹ 1000 each)

  • Uber Voucher worth ₹ 250

  • Tata Croma Vouchers worth ₹ 1000 (Two vouchers worth ₹ 500 each)

  • Security Features also available. 

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. 


Pros & Cons
Welcome Benefits

Customers can avail welcome vouchers worth ₹ 5,000+ within 45 days of payment of joining fees.

Rewards System

Earn 2 reward points on every ₹100 Domestic Spends, 4 reward points on every ₹100 International Spends, and 1 reward point on every ₹100 on Utilities and Insurance. 1RP = Rs. 0.25/-. 

Effective Cashback Rate: 0.50% to 1.5%. 

International Forex Markup

Up to: 3.5% 

Welcome Benefits and Reward System
Special Features

Earn up to maximum of 15,000 ICICI Bank Reward Points every anniversary year with 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?
  1. Head to the website: Visit the official ICICI Bank Rubyx Credit Card application page: https://www.icicibank.com/

  2. Select your preferred variant: Choose between the regular Rubyx Credit Card and the Emirates Skywards Rubyx Credit Card (offers additional travel benefits).

  3. Fill in the details: Provide your accurate personal information, contact details, employment details, and income information.

  4. Upload documents: Scan and upload copies of required documents, such as PAN card, Aadhaar card, proof of address, and latest salary slips/IT returns.

  5. 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
ICICI Rubyx Credit Card

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.

Abhijeet Saxena

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

Fees & Charges
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