ICICI Bank Rubyx Credit Card
MyRupaya Ratings
उत्पाद विवरण
क्रेडिट कार्ड का नाम
ICICI Bank Rubyx Credit Card
Bank Name :
ICICI Bank
प्रकार
Lifestyle Credit Card
ब्याज दर
3.40% per month or 40.80% per year
पात्रता
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.
पेशेवरों
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.
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.
पक्ष विपक्ष
Welcome Benefits
Customers can avail welcome vouchers worth ₹ 5,000+ within 45 days of payment of joining fees.
पुरस्कार प्रणाली
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.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
Up to 3.5%
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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.
फ़ायदे
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.
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:-
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
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