ICICI Bank Rubyx RuPay Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
Cashback Rate
- Reward System: Cardholder will get 5% cashback on any two packs of your choice
- Dining &
- Entertainment Category – BookMyShow &
- Zomato
- 
- Travel Category – MakeMyTrip &
- Uber
- 
- Grocery Category – Blinkit &
- Reliance Smart Bazaar
- 
- Electronics Category – Croma &
- Reliance Digital
- 
- Fashion Category – Nykaa &
- Myntra
3% cashback any one E-commerce merchant of your choice
- 
- Amazon or Flipkart or PayZapp
1% unlimited cashback across all other spends
- Cashback credit card
-  
- Reward System: Cardholders will get 5% cashback on any two packs of their choice
- 3% cashback on any one E-commerce merchant of your choice- Amazon or Flipkart or PayZapp
- 1% unlimited cashback across all other spends
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
Get up to 25% off on dining through Swiggy Dineout.
Other Benefits
Instant digital credit card. Annual fee reversal on spend of Rs 50,000 in any year.
Lounge Access
Users will get 2 complimentary access per quarter to select airport lounges in India.
Fees & Charges
Joining Fee
INR 500 /- + Applicable Charges
Annual Fee
INR 500 /- + Applicable Charges
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
3.6% per month (i.e., 43.2% per annum)
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1300.
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 3.5%
Other Fees
Cash Advance Charges: A transaction fee of 2.5% or ₹500 whichever is higher | Reward Redemption Fee: INR 99
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
Customers can avail welcome vouchers worth ₹ 5,000+ within 45 days of payment of joining fees.
पुरस्कार प्रणाली
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
Up to 3.5%
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
Reward System: Cardholder will get 5% cashback on any two packs of your choice
- Dining & Entertainment Category – BookMyShow & Zomato
- Travel Category – MakeMyTrip & Uber
- Grocery Category – Blinkit & Reliance Smart Bazaar
- Electronics Category – Croma & Reliance Digital
- Fashion Category – Nykaa & Myntra
3% cashback any one E-commerce merchant of your choice
- Amazon or Flipkart or PayZapp
1% unlimited cashback across all other spends.
Eligibility Criteria
You must be an Indian citizen.
You must be 21-60 years of age.
Your net monthly income must be greater than INR 25,000 if you are salaried, and your ITR must be greater than Rs. 6 lakhs per annum if you are self-employed.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
Eligibility: Check if you meet the eligibility criteria, which typically include a minimum income and age requirement.
Apply online: Visit the HDFC Bank website or app and fill out the online application form.
Documents: Submit the required documents like PAN card, address proof, and income proof.
Verification: HDFC will verify your documents and creditworthiness.
Approval: Upon approval, you will receive your credit card within 7-10 working days.
सम्पर्क करने का विवरण
1800 1600
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
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.
ईंधन अधिशुक्ल
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