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ICICI Rubyx Credit Card Benefits

ICICI Rubyx Credit Card Benefits

Are you in search of a credit card that seamlessly blends luxury with practicality, catering to both your lifestyle needs and financial aspirations? Look no further than the ICICI Rubyx Credit Card. Designed for the discerning customer, this dual credit card offering – available in both Visa and MasterCard variants – stands out with its impressive array of benefits tailored to enhance your everyday experiences.

The ICICI Rubyx Credit Card is more than just a piece of plastic; it's a gateway to a world of exclusive privileges. From lucrative reward points on your spending to complimentary airport lounge access and significant savings on dining and entertainment, Rubyx ensures that every swipe is a step towards unmatched luxury and convenience. Furthermore, cardholders enjoy a host of wellness benefits, travel perks, and robust security features, making it a comprehensive solution for the modern consumer.

In this blog post, we'll delve deeper into the myriad benefits of the ICICI Rubyx Credit Card. Whether you're a frequent traveler, a foodie, a movie buff, or someone who values financial security and rewards, you'll discover how Rubyx caters to your unique lifestyle, making it a valuable addition to your wallet.

Features and Benefits

The ICICI Rubyx Credit Card stands out as a premium offering from ICICI Bank, tailored to cater to the lifestyle needs of its cardholders. This card is packed with a multitude of features and benefits designed to enhance the cardholder's experience across various spending categories such as travel, dining, and entertainment.

Features of the ICICI Rubyx Credit Card:

1. Reward Points Program: Cardholders earn 2 reward points for every ₹100 spent on domestic transactions and 4 reward points for every ₹100 spent on international transactions. Additionally, 1 reward point is earned for every ₹100 spent on utilities and insurance categories.

2. Welcome Vouchers: New cardholders are greeted with welcome vouchers worth more than ₹5,000, providing an immediate return on the annual fee paid.

3. Entertainment Benefits: Enjoy discounts on movie tickets with partners like BookMyShow, where you can avail of a 25% discount up to ₹150 on a minimum purchase of 2 movie tickets, applicable twice a month.

4. Golf Privileges: Golf enthusiasts can benefit from complimentary rounds of golf each month at premium courses around the world.

5. Travel Perks: The card offers complimentary access to select airport and railway lounges, elevating the travel experience for cardholders.

6. Dining Privileges: Exclusive dining offers and culinary experiences are part of the Rubyx card's lifestyle benefits.

7. Security Features: With Chip and PIN security, the card is safeguarded against counterfeiting and duplication, ensuring secure transactions.

Benefits of the ICICI Rubyx Credit Card:

1. Lifestyle Advantages: The card opens doors to a range of lifestyle privileges, including special offers and discounts across various brands and outlets.

2. Flexible Rewards Redemption: The accumulated reward points can be redeemed for a wide array of options, from travel and movie vouchers to lifestyle products, appliances, and more.

3. Annual Fee Waiver: The second-year onwards annual fee of ₹2,000 is waived off on spending ₹3,00,000 or more in the previous year, encouraging higher card usage.

4. Concierge Services: A 24x7 concierge service is available to assist with travel bookings, restaurant reservations, and event ticketing, among other services.

5. Insurance Coverage: Cardholders enjoy the added benefit of insurance coverage, providing a safety net for various unforeseen events.

6. Exclusive Online Banking Services: The card is integrated with ICICI Bank's internet banking platform, offering over 300 banking services for convenient management of finances.

The ICICI Rubyx Credit Card is a comprehensive financial tool that not only rewards spending but also enriches the cardholder's lifestyle with its myriad of features and benefits. It is a card that promises to keep up with the dynamic needs of its users, providing value, convenience, and security in one package. For those who seek a credit card that aligns with their upscale lifestyle and provides tangible rewards, the ICICI Rubyx Credit Card could be an excellent choice.

Potential Drawbacks

The ICICI Rubyx Credit Card, part of ICICI Bank's Gemstone Collection, is marketed as a premium credit card offering a range of benefits across various categories such as lifestyle, dining, and travel. However, like any financial product, it comes with its own set of potential drawbacks that users should consider before opting for it.

One of the primary concerns for potential cardholders is the high joining fee and annual fee. The ICICI Rubyx Credit Card charges a joining fee of Rs. 3,000, which may not be feasible for everyone. While the card does offer welcome vouchers and benefits that can offset this initial cost, it is still a significant upfront investment.

Another point of consideration is the rewards system. The card offers PAYBACK points on transactions, which are redeemable against various products and services. However, the earning rate of rewards has been criticized for being low, especially when compared to other cards in the market. This could potentially make the card less lucrative for users who are looking to maximize their rewards on spending.

The annual fee waiver is another aspect where users might find the card lacking. The waiver is set at a high threshold of Rs. 3 lakhs, which means that the cardholder needs to spend a substantial amount within a year to qualify for the waiver. This could be a deterrent for those who do not wish to commit to such a high level of expenditure.

Additionally, the airport lounge access, which is a feature many look forward to in premium credit cards, comes with conditions. Cardholders need to spend a minimum amount in the previous quarter to avail of this facility, which may not be ideal for infrequent travelers or those who prefer more straightforward benefits.

Lastly, the insurance benefits associated with the card apply only if the card is used at least once in the last 60 days before the event. This could be a limitation for users who do not use their credit card regularly but still want to rely on the insurance benefits it offers.


In conclusion, the ICICI Rubyx Credit Card stands out as a comprehensive financial tool designed to meet the diverse needs of modern consumers. With its dual credit card system, cardholders can enjoy the combined benefits of both Visa and American Express platforms, enhancing flexibility and acceptance worldwide. The card's rich rewards program, offering accelerated points on dining, shopping, and international spends, ensures that users can maximize their everyday expenditures. Additionally, the extensive range of lifestyle privileges, including complimentary golf rounds, movie tickets, and airport lounge access, adds significant value for those who seek both convenience and luxury.

Security features such as chip and PIN technology, alongside robust customer service support, provide peace of mind and reliability. Moreover, the card's attractive interest rates and manageable fees make it a cost-effective choice for those looking to optimize their financial health. Whether you are a frequent traveler, a shopping enthusiast, or someone who enjoys exclusive lifestyle experiences, the ICICI Rubyx Credit Card offers a well-rounded package that caters to a variety of preferences and financial habits.

Ultimately, the ICICI Rubyx Credit Card is not just a credit card, but a gateway to a host of benefits that can significantly enhance your lifestyle and spending power, making it a worthy addition to your wallet.


Q: What are the benefits of the ICICI Rubyx Credit Card?

The ICICI Rubyx Credit Card offers rewards on everyday purchases, airport lounge access, travel insurance, and other lifestyle benefits. You can earn reward points on your spending which can be redeemed for various products and services.

Q: Who is eligible for the ICICI Rubyx Credit Card?

Eligibility requirements for the ICICI Rubyx Credit Card can vary depending on your income and credit history. It's generally targeted towards individuals with a good credit score and a healthy income. You can check the eligibility criteria on the ICICI Bank website or by contacting their customer care.

Q: What are the fees associated with the ICICI Rubyx Credit Card?

The ICICI Rubyx Credit Card typically has an annual fee. There may be additional charges for services like cash advances, foreign currency transactions, late payments, etc. Be sure to review the fee schedule carefully before applying.

Q: How do I earn reward points with the ICICI Rubyx Credit Card?

You earn reward points on your spending with the ICICI Rubyx Credit Card. The rate you earn points may vary depending on the category of your purchase. You can find the detailed point earning structure on the ICICI Bank website.

Q: How do I redeem my reward points with the ICICI Rubyx Credit Card?

There are multiple ways to redeem your reward points with the ICICI Rubyx Credit Card. You can redeem them for various products, travel vouchers, gift cards, or even get cashback. The redemption options are available on the ICICI Bank website or mobile app.

Q: Does the ICICI Rubyx Credit Card offer airport lounge access?

Yes, the ICICI Rubyx Credit Card typically offers complimentary access to domestic airport lounges, allowing you to relax and unwind before your flight. The specific lounges you can access may vary depending on the card variant and your location.

Q: Does the ICICI Rubyx Credit Card include travel insurance?

The ICICI Rubyx Credit Card may offer complimentary travel insurance that can cover you for unforeseen events during your trip, such as trip cancellation, medical emergencies, or baggage loss. Confirm the specific coverage details with the bank.

Q: How do I make payments for my ICICI Rubyx Credit Card?

You can make payments for your ICICI Rubyx Credit Card through various methods, including online banking, NEFT, mobile app, or at any ICICI Bank ATM. There are also options for auto-debit from your savings account.

Q: What happens if I lose my ICICI Rubyx Credit Card?

If you lose your ICICI Rubyx Credit Card, immediately report it to the bank to block the card and prevent unauthorized transactions. You can report a lost card through the bank's website, mobile app, or by calling customer care.

Q: How do I contact ICICI Bank for further information about the Rubyx Credit Card?

You can find detailed information about the ICICI Rubyx Credit Card our website,


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