ICICI Bank Rubyx RuPay Credit Card
Rewards & Benefits
Welcome Benefits
Customers can avail welcome vouchers worth ₹ 5,000+ within 45 days of payment of joining fees.
Milestone Benefits
Cashback Rate
1RP = Rs. 0.25.
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%.
1 reward point on every ₹100 on utilities and insurance, effective cashback rate: 0.25%.
Movie Benefits
Users can avail 25% discount upto Rs 150 on purchasing a minimum of 2 movie tickets per transaction on BookMyShow and Inox.
Dining Benefits
Other Benefits
Earn up to maximum of 15,000 
Lounge Access
Fees & Charges
Joining Fee
3,000 + GST
Annual Fee
2,000 + GST from the second year onwards.
Cash Advance Fee
Cash Advance Fee:2.5% of the amount withdrawn, minimum Rs. 500.
Interest rate
3.40% per month or 40.80% per year
Late Payment Fee
Late Payment Fee:Rs. 100 or 5% of the outstanding balance, whichever is higher.
Foreign Currency Transactions Fee
Foreign Currency Transaction Fee:3.5% on all international transactions.
Other Fees
दोष
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 link their RuPay credit card directly to their UPI app.
Users will get 2 complimentary rounds of golf per month (one round on spends of every ₹50,000 in previous month).
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. You need to spend Rs. 75,000 in the preceding calendar quarter to unlock complimentary access for the subsequent calendar quarter.
Users will also get 2 complimentary domestic railway lounge visit per quarter.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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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.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
सम्पर्क करने का विवरण
1800 1080
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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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 link their RuPay credit card directly to their UPI app.
Users will get 2 complimentary rounds of golf per month (one round on spends of every ₹50,000 in previous month).
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. You need to spend Rs. 75,000 in the preceding calendar quarter to unlock complimentary access for the subsequent calendar quarter.
Users will also get 2 complimentary domestic railway lounge visit per quarter.
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.
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Application Procedure
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
उत्पाद समीक्षा
फीस एवं प्रभार
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ईंधन अधिशुक्ल
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Billing Cycle
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