ICICI Bank Rubyx Credit Card

The ICICI Bank Rubyx Credit Card has an annual fee of Rs. 2,000, but it gives you welcome vouchers worth more than this amount.

• Upon paying the card's joining fee of Rs. 3,000, you'll receive welcome vouchers for shopping and travel valued at Rs. 5,000 or more.

Here are the various vouchers available as welcome gifts:

Up to 6 PAYBACK Points on every Rs. 100 spent

With the ICICI Bank Rubyx Credit Card, you earn PAYBACK rewards points for every transaction you make. Plus, you can also earn extra points from PAYBACK partner brands when you use your card for purchases.

You have a variety of options to redeem your PAYBACK Points, including movie and travel vouchers, lifestyle products, mobiles, appliances, and more. Here's how the points are distributed:

Important Points to Note:

• You can choose between redeeming your points for different gifts or for cash.
• When you redeem your points for cash, each reward point is worth Rs. 0.25.

With the newly introduced ICICI Bank Milestone Rewards Program, you get:

• You'll earn 3,000 PAYBACK Points when you spend Rs. 3 lakh using your card.
• You'll receive 1,500 PAYBACK Points every time your card spending crosses Rs. 1 lakh in an anniversary year.

Through this program, you can earn a maximum of 15,000 PAYBACK Points per year. This feature stands out as one of the most attractive benefits of the card. It's safe to say that with your ICICI Rubyx Credit Card and PAYBACK, your shopping becomes incredibly rewarding.

The card provides valuable entertainment benefits through partnerships with both BookMyShow and INOX. What sets this benefit apart is its flexibility, as it isn't limited to just one platform, unlike many other credit cards.

• Using your ICICI Bank Rubyx Credit Card, you can enjoy a 25% discount (up to Rs. 250) when you buy a minimum of 2 tickets per transaction on BookMyShow or INOX.
• You can take advantage of this offer up to two times in a month.
• Successful bookings are processed on a first-come, first-served basis and are subject to daily stock availability.

The card offers a range of travel benefits. Here are the different travel benefits you can enjoy with the card:

Airport Lounge Access

You can enjoy 2 complimentary airport lounge accesses per quarter, one for each card variant. To avail of this benefit in the next calendar quarter, you need to spend a minimum of Rs. 5,000 or more in a calendar quarter using the card. If you exceed the allowed number of complimentary visits, any additional visits will incur charges based on the rates set by each lounge service provider.

Railway Lounge Access

You can enjoy 2 complimentary railway lounge visits per quarter, and please note that access to railway lounges is available exclusively for primary cardholders.

Complimentary Rounds of Golf

• You can receive a complimentary Golf Round or Lesson for every Rs. 50,000 spent on retail purchases in the prior calendar month, with a maximum of 2 rounds allowed per month.
• To reserve your game, just go to www.teetimes.golftripz.com and set up a Golftripz account using the same email ID that you've registered with ICICI Bank Credit Cards.
• You'll be able to see the complimentary round of golf in your Golftripz account starting from the 10th day of the next month.
• You can enjoy this complimentary round anytime within the next 2 months.
• Check for open tee times when you want to golf, book your preferred slot, and easily keep track of all your reservations online.

Here are some other important advantages of the ICICI Bank Rubyx Credit Card:

• Dining Savings: Enjoy a guaranteed 15% discount on your dining bills at participating restaurants.
• Premium Concierge Services: Get 24/7 assistance for your travel bookings and even have movie tickets delivered to your doorstep.
• Air Accident Insurance: Receive coverage of Rs. 1 crore in case of air accidents.
• Lost Card Protection: Receive a lost card protection of up to Rs. 50,000, which covers losses even if you report them within 2 days (For more information on the insurance coverage).
• Fuel Surcharge Waiver: You won't have to pay the 1% fuel surcharge when you refuel at any fuel station.

The fees and charges associated with the ICICI Rubyx Credit Card are as follows:

To apply for the ICICI Rubyx Bank Credit Card, applicants should meet the following eligibility criteria:

The ICICI Bank Rubyx Credit Card is a suitable choice for frequent travelers, especially those seeking airport and railway lounge access. However, it may not be the ideal option for maximizing rewards due to its relatively lower average reward rate.

On the positive side, the card provides valuable movie benefits. You can enjoy a 25% discount (up to Rs. 250) when purchasing a minimum of 2 tickets per transaction at both BookMyShow and INOX.

In summary, this card is a good fit for frequent travelers and individuals who frequently make international transactions. Nevertheless, it falls short in terms of reward rates when compared to other cards in the same category.

If you travel often and are in search of a travel credit card, here are some decent alternatives for you-

You can check the status of your ICICI Bank Rubyx credit card application, by visiting the website. Detailed steps are given here.

A fee of 3.50% will be applied to all international retail and online transactions, including usage at POS machines located in international territories, such as those found at duty-free shops.

Here's how you can easily redeem your PAYBACK Points:

*Standard call charges apply

All eligible expenses, including shopping, movie ticket bookings, and dining expenditures, earn the cardholder reward points. These points can be redeemed for various items available in the PAYBACK rewards catalogue. To explore your redemption options, please visit the PAYBACK website.

You can apply for The ICICI Bank Rubyx Visa Credit Card conveniently through the bank's website or by visiting the nearest ICICI Bank branch