ICICI Rubyx Visa Credit Card
icici bank ICICI Bank

ICICI Rubyx Visa Credit Card

cat name Travel
cat name Shopping

Best Suited For: Travel & Shopping

Joining Fee: ₹3,000* Plus Applicable Taxes

Renewal Fee: ₹2,000* Plus Applicable Taxes

cat name Travel
cat name Shopping

Best Suited For: Travel & Shopping

Joining Fee: ₹3,000* Plus Applicable Taxes

Renewal Fee: ₹2,000* Plus Applicable Taxes

Best Features:- Earn 2X reward points on all international transactions on your card.

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The ICICI Bank Rubyx Credit Card is India’s first dual platinum credit card. The Rubyx Credit Card caters to premium customers who want more value from their lifestyle purchases. It offers unmatched benefits across travel, dining, shopping, and entertainment. With a joining fee of ₹3,000, the card offers you welcome vouchers worth ₹5,000 or more. It is available in Visa and Mastercard variants. You can earn up to 4 Reward Points for every ₹100 spent. With this card, you can enjoy exclusive privileges like complimentary airport lounge access, dining discounts, and reward points on every spend. Additionally, you also get a 25% discount on movie tickets via BookMyShow and Inox, exclusive dining offers, and complimentary access to railway and airport lounges every quarter.

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All You Need To Know

Card Type

Travel & Shopping

Welcome Benefits
  • Receive shopping and travel vouchers worth Rs. 5,000+ upon paying the joining fee of Rs. 3,000.
  • Welcome vouchers include:
    • TataCliQ: Rs. 2,000
    • EaseMyTrip: Rs. 2,000 (two Rs. 1,000 vouchers)
    • Uber: Rs. 250
    • Central: Rs. 1,000 (two Rs. 500 vouchers)
    • Croma: Rs. 1,000
Reward Points
  • Earn Points on Every Transaction:
    • 2 points per Rs. 100 on domestic spends.
    • 4 points per Rs. 100 on international spends.
    • 1 point per Rs. 100 on insurance, utility, and government spends.
  • Reward Redemption:
    • Redeem points for movie vouchers, travel bookings, lifestyle products, appliances, and more.
    • 1 reward point = Rs. 0.25 when redeemed for cash.
Milestone Rewards
  • Earn up to 15,000 points annually:
    • 3,000 points on spending Rs. 3 lakh in an anniversary year.
    • 1,500 points for every additional Rs. 1 lakh spend.
Entertainment Benefits
  • BookMyShow & INOX:
    • 25% discount (up to Rs. 250) on a minimum of two tickets per transaction.
    • Available twice a month, subject to availability.
Travel Benefits
  • Airport Lounge Access:
    • Two complimentary visits per quarter (Mastercard & American Express variants).
    • Spend Rs. 5,000 in a calendar quarter to qualify for the benefit in the next quarter.
  • Railway Lounge Access:
    • Two free visits per quarter for primary cardholders.
  • Golf Benefits:
    • Complimentary round or lesson for every Rs. 50,000 spent in a calendar month.
    • Maximum two rounds per month.
Dining Privileges
  • Save 15% or more at 2,500+ restaurants across India via the ICICI Culinary Treats Program.
Additional Benefits
  • Concierge Services:
    • 24x7 premium assistance for travel, dining, and ticket bookings via i-Assist.
  • Insurance:
    • Air accident cover: Rs. 1 crore.
    • Lost card liability: Rs. 50,000 (covers loss up to 2 days prior to reporting).
  • Fuel Surcharge Waiver:
    • 1% waiver on fuel transactions at any outlet.
  • Enhanced Security:
    • Chip & PIN protection ensures secure transactions.
Summary of Lifestyle Benefits
  • Earn up to 15,000 PAYBACK points annually.
  • Get Buy One Get One movie tickets up to Rs. 250 each month.
  • Enjoy exclusive golf privileges and travel benefits.
  • Dual Platinum Credit Card: Mastercard & American Express.

ICICI Bank Rubyx Credit Card Eligibility:

Criteria Details
Occupation Salaried and Self-employed
Minimum Income for Salaried Rs. 50,000 per month
Minimum Income for Self-employed Rs. 75,000 per month
Documents Required Click here for the list of acceptable documents
Serviceable Cities Click here for the list of eligible cities

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

Fees / Charges Amount
Joining Fee Rs. 3,000
Annual Fee Rs. 2,000 (waived off on spending more than Rs. 3 lakh in the previous year)
Finance Charges 3.40% per month / 40.80% p.a.
Late Payment Charges** For Statement Balance
  • Below Rs. 100 – Nil
  • Between Rs. 100 to Rs. 500: Rs. 100
  • Between Rs. 501 to Rs. 5,000: Rs. 500
  • Between Rs. 5,001 to Rs. 10,000: Rs. 750
  • Between Rs. 10,001 to Rs. 25,000: Rs. 900
  • Between Rs. 25,001 to Rs. 50,000: Rs. 1,000
  • Above Rs. 50,000: Rs. 1,200

Apply for ICICI Rubyx Credit Cards

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FAQs

You can track your credit card application status online by visiting the ICICI Bank website. Follow the steps mentioned on the site for quick access to your application status.

No, the ICICI Rubyx Credit Card is not free. It comes with a joining fee of ₹3,000 plus GST, and an annual fee of ₹2,000 plus GST from the second year onwards.

  • Receive ₹5,000 worth of shopping and travel vouchers as a welcome gift upon paying the joining fee.
  • Earn up to 15,000 PAYBACK points annually on eligible purchases.
  • Enjoy two complimentary rounds of golf each month at select courses.
  • Avail one complimentary airport lounge visit per quarter with qualifying spends.

A mark-up fee of 3.50% is applicable on all international transactions, including those at POS terminals registered in international locations like duty-free shops.

Earn reward points on eligible spending categories like shopping, dining, and movie bookings. These points can be redeemed for gifts, travel vouchers, or even to offset your credit card statement at the rate of 1 Point = ₹0.25.

The credit limit is determined based on your eligibility and usage pattern. You can request a limit increase via SMS or by contacting ICICI Bank’s customer care.

Log in to your ICICI Bank net banking account or the iMobile app to view or download your credit card statement. You can also contact customer care for assistance.

Report the loss immediately by calling ICICI Bank Customer Care or sending an SMS in the format [CCBLK] [last 4 digits of your card] to 5676766. You must also file an FIR and submit it to the bank for further processing.

Yes, you get one complimentary airport lounge visit per quarter after spending ₹5,000 in that quarter. Additionally, the card provides access to railway lounges through its Mastercard and American Express variants.

Yes, interest is charged at 3.40% per month (40.8% annualized) on outstanding dues if you fail to pay the total amount due by the due date. Cash advances also attract interest charges.

You can access the following links to find detailed information and procedures related to managing your ICICI Bank Credit Card

Check if you are eligible for the ICICI Rubyx Credit Card on
mybankingtips.com

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