ICICI Bank Rubyx Credit Card - Features, Benefits, Fees & Charges

ICICI Bank Rubyx Credit Card (4.2)

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If you're interested in reducing your lifestyle expenses, you may find the ICICI Rubyx Credit Card to be a worthwhile option. The card has a joining fee of ₹3,000 and an annual fee of ₹2,000, but it also provides a range of benefits such as discounts on BookMyShow and Inox, complimentary access to airport and railway lounges, free rounds of golf each month, 24x7 concierge service, and insurance coverage. Additionally, you can earn rewards from 0.25% to 1%. Read on for more details on the ICICI Rubyx Credit Card. 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

Gift vouchers worth ₹5000 on payment of the joining fee of the card, including: 

  • TataCliQ voucher worth ₹2000
  • 2 vouchers worth ₹1000 each from EaseMyTrip
  • Uber voucher worth ₹250
  • 2 vouchers worth ₹500 each from Croma
Lounge Access

2 free access per quarter to select airport lounges in India, on a Visa variant, by spending a minimum of ₹5,000 or above in the previous calendar quarter using the card.

Entertainment Benefit

25% discount up to ₹150 on purchasing a minimum of 2 movie tickets per transaction on BookMyShow and Inox. 

Note: The offer is available twice a month on BookMyShow and Inox each.

Concierge Services

24x7 concierge service to take care of users' needs related to travel, hotel, booking cars and delivering movie tickets to the doorstep.

The services include:

  • Hotel referral & reservation
  • Restaurant referral & reservation
  • Flight referral & reservation
  • Car rental & limousine service
  • Flower & gift assistance
  • Booking & delivery of movie tickets
  • Medical concierge privileges
  • Emergency auto assistance across India
Fuel Surcharge

1% fuel surcharge waiver on fuel transactions at any fuel outlet

Insurance Benefit
  • An air accident insurance of ₹1 crore.
  • Lost card liability of ₹50,000, including loss up to 2 days prior to reporting the same.
Entertainment Benefit

2 free rounds of golf every month at the golf course of the user's choice.

Note: The benefit is subject to eligible spending on the ICICI Bank Rubyx Credit Card.

Milestone Benefit

Under the Milestone Rewards Program, you get up to 15,000 Payback Points per year:

  • 3,000 Payback Points on spending ₹3 lakh on your cards and 
  • 1,500 Payback Points on spending ₹1 lakh in an anniversary year
Reward Points

Earn up to 6 Payback (rewards) points on every ₹100 spent on:

  • Domestic Spends: 2 points
  • International Spends: 4 points
  • Utilities & Insurance: 1 points

You can redeem your Payback Points from many options available, including movie and travel vouchers for lifestyle products, mobiles, appliances, and more.

Reward Rate: 0.25% to 1%

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹3,000

Annual Fee

₹2,000

Annual Percentage Rate

40.8%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.50%

Cash Advance Limit

NA

Card Replacement Fee

₹100

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.25
Late Payment Charges

Balance below ₹100

₹ 0

Balance from ₹100 to ₹500

₹ 100

Balance from ₹501 to ₹5000

₹ 500

Balance from ₹5001 to ₹10000

₹ 750

Balance from ₹10001 to ₹25000

₹ 900

Balance from ₹25001 to ₹50000

₹ 1000

Balance more than ₹50000

₹ 1200
Pros

Aspects that make this credit card amazing.

  1. 2 complimentary rounds of golf every month.
  2. Air accident insurance of ₹1 crore.
  3. Fuel surcharge waiver at any fuel outlet.
  4. Lost card liability of ₹50,000.
Cons

Aspects this credit card lacks.

  1. Insurance benefits apply if the card is used at least once in the last 60 days before the event.
  2. The user should spend at least ₹5,000 or above in a calendar quarter to avail of the lounge facility.
  3. Charges reward redemption fee of ₹99.
  4. High Joining fees when compared to the reward rate.
ICICI Bank Rubyx Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(2.5)

Rewards

(3)

Customer Service

(3)

ICICI Bank Rubyx Credit Card Review

ICICI Rubyx Credit Card offers privileges across lifestyle, dining, and golf, as well as travel benefits and free movie tickets. The users have air accident insurance of ₹1 crore and a lost card liability of ₹50,000 that includes loss up to 2 days prior to reporting the same. Further, the Account Takeover Cover ensures the users are protected against personal details being accessed and misused by a third person. However, a joining fee of around ₹3500 (including GST) and an annual fee of ₹2000 may not please many. Further, not all can afford the salary requirement of ₹50,000 per month to own this card.
However, if you are a frequent traveller and specifically looking for a travel credit card, here are some decent alternatives for you-
1. Air India SBI Signature Credit Card
2. SBI Elite Credit Card
3. HDFC Regalia Credit Card

Overview

Best For

Travel 
Joining Fee ₹3,000 plus GST
Annual Fee ₹2,000 plus GST (Waived on spending ₹3,00,000 and more)
Welcome Bonus Vouchers worth ₹5000 
Card Type Reward Points
Card Network Visa & Mastercard

Who should get ICICI Bank Rubyx Credit Card?

ICICI Rubyx Credit Card is suitable for users who frequently travel and like to spend on shopping and dining, and are interested in airport and railway lounge access. The people who are lured by bonus rewards offered on various purchases can opt for it card. These rewards can be redeemed through many options comprising movie and travel vouchers, lifestyle products, mobiles, and appliances. Welcome vouchers worth ₹5,000 against the joining fee of ₹3000 may attract its target audience in the beginning.

Reward Points

With ICICI Rubyx Credit Card, users can earn reward points on their transactions. In addition, card users can also earn additional points from ICICI Bank Reward Programme partner brands for the same purchase.

The rewards points can be redeemed from movie and travel vouchers to lifestyle products, mobiles, appliances, and more. 

The card offers bonus rewards of up to 4 payback points on every ₹100 spent.

How to apply for ICICI Bank Rubyx Credit Card?

Interested applicants can either visit a nearby branch or apply online for ICICI Rubyx Credit Card from the bank’s website in the following steps. 

Step 1: Visit the ICICI Bank’s official website.

Step 2: Under the “Cards” section, click on the option “Credit Cards”.

Step 3: Under 'Special Credit Cards' tab click on “Rubyx Credit Card”.

Step 4: Click on “Apply Now” under the card description.

Step 5: Fill in all the required details and upload the required documents in order to complete the process.

ICICI Bank Rubyx Credit Card Eligibility 

  • Age: 23 years
  • Occupation: Salaried or Self Employed
  • Income: Salaried - ₹50,000 p.m., Self-Employed: ITR > ₹5.5 Lakhs p.a.

 

Documents Required

  • Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
ICICI Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

ICICI Bank

ICICI Bank Credit Card Customer Care Number:

1800 1020 123

ICICI Bank Card Offers:

View Offers

Total Cards:

1,74,13,024
ICICI Bank Credit Card News
12 Jun 2024, Wednesday
1. ICICI Bank revises credit card charges, introduces key fee eliminations starting July.

ICICI Bank, one of India's leading private sector banks, has announced significant changes to its credit card fee structure, bringing cheers to its vast customer base. The revisions, set to be effective from 1 July 2024-

  1. No Charge for Charge Slip Requests: The Rs 100 fee for charge slip requests has been eliminated.
  2. Removal of Cheque/Cash Pickup Fee: Previously a Rs 100 fee, this charge for cheque or cash pickup service has been scrapped.
  3. Dial-a-Draft Service Fee Waived: The bank removes the 3% charge or up to Rs 300 for the Dial-a-Draft service.
  4. No Processing Fees for Outstation Cheques: Charges of 1% or up to Rs 100 for processing outstation cheques are discontinued.
  5. Free Duplicate Bank Statements: The Rs 100 fee for issuing duplicate bank statements for periods up to three months has been removed.
  6. Standard Card Replacement Fee: A new, standardized card replacement fee of Rs 200 is introduced.
  7. Changes in Amazon Pay ICICI Credit Card Rewards: Effective from 18 June, rent payments through the card will not earn reward points; however, the 1% discount on fuel surcharge remains unaffected.
  8. Specification on Reward Points Accumulation: Reward points will not be earned on EMI transactions and gold purchases.

ICICI Bank's updated fee structure and rewards program reflect a shift towards more customer-friendly practices aimed at enhancing the banking experience for its credit card users.

05 Jun 2024, Wednesday
2. Adani Group and ICICI Bank launch a co-branded credit card; Get to know the key features here.

ICICI Bank and Adani One have partnered to launch co-branded credit cards, marking Adani Group's entry into the retail financial sector. The cards, available in two variants, Adani One ICICI Bank Signature Credit Card and Adani One ICICI Bank Platinum Credit Card, offer travel benefits and rewards programs and aim to enhance the cardholder's lifestyle.

Here are some of the key features:

1. Key benefits of the Adani One ICICI Signature Credit Card: 

  • 7% Reward points on the Adani One ecosystem
  • Earn 1.5% as Adani Reward points on other domestic spend categories (excluding fuel and rent payments)
  • Earn 2% as Adani Reward points on the international spend category
  • Earn 0.5% as Adani Reward points on utility and insurance spend
  • Enjoy 2 Meet and Greet services per year (1 on card activation and second on Rs 3 lakh spent)
  • Enjoy 4 premium lounge upgrades every quarter
  • Avail 4 valet parking every year
  • Avail 4 premium car parking every year on card activation
  • Avail 8 porter services every year

2. Key benefits of the Adani One Platinum Credit Card

  • Welcome vouchers worth Rs 5000 on card activation
  • 3% Reward points on the Adani One ecosystem
  • Exclusive benefits of 4 Porter and 2 premium Car parking services per year at Adani-managed airports
  • 8 Domestic lounge access and premium upgrades at Adani-managed airports
  • Buy one ticket and get 25% off up to Rs 100 on the second ticket twice every month through BookMyShow
  • Earn 1% as Adani Reward points on all other domestic spending categories (excluding fuel and rent payments)
  • Earn 1.5% as Adani Reward points on the international spending category
  • Earn 0.5% as Adani Reward points on utility and insurance spend
  • Enjoy 2 complimentary domestic lounge accesses per quarter after card activation
  • Avail 1% fuel surcharge waiver on all fuel transactions of up to Rs 4,000 at any fuel outlet
23 Mar 2024, Saturday
3. Rules for 18 Credit Cards Will Change at ICICI Bank

ICICI Bank intends to change the benefits of airport lounge access linked to a few of its credit cards starting on 1 April 2024. "Starting 1 April 2024, you can enjoy one complimentary airport lounge access by spending Rs. 35,000 in the preceding calendar quarter," according to the website of ICICI Bank. Access for the next calendar quarter will be provided in accordance with the amount paid during the preceding quarter. Spending at least Rs. 35,000 in the January, February, and March 2024 quarters, as well as the following quarters, will get you complimentary lounge access for the months of April, May, and June 2024.

22 Apr 2023, Saturday
4. ICICI Suffers a Data Breach

Cybernews research team recently uncovered a data breach of over 3.6 million credit card users of ICICI Bank. The data was found misconfigured and publicly accessible on a cloud storage platform named Digital Ocean.

ICICI has been constantly denying any claims made in regards to said data breach, but based on reports, customers’ bank account details, credit card numbers, full names, dates of birth, home addresses, phone numbers, and emails have been compromised.

ICICI Bank Rubyx Customer Reviews

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Frequently Asked Questions

The ICICI Rubyx Credit Card is not free. It comes with a joining fee of Rs. 3,000 and an annual fee of Rs. 2,000. Despite the charges, the ICICI Rubyx Credit Card is attractive to consumers due to its wide range of benefits.

The ICICI Bank Rubyx Visa Credit Card points can be used to purchase items from the PAYBACK rewards catalog. For more information, go to Payback. The ICICI Bank Rubyx Visa Credit Card can also be obtained by visiting an ICICI Bank branch or the bank's website.

The card provides you with varied travel benefits. Here are the different sets of travel benefits you get with the card: Airport Lounge Access: Receive two complimentary airport lounge visits per quarter (one on each variant) by spending a minimum of Rs. 5,000 or more on the card in a calendar quarter to be eligible for this benefit in the following calendar quarter. Access to the Railway Lounge: Only primary cardholders have access to the lounge. Get two complimentary rail lounge visits per quarter. Complimentary Rounds of Golf: Get a free lesson for every Rs. 50,000 in retail in the previous calendar month (up to 2 complimentary rounds per month).

To apply for the ICICI Rubyx Credit Card, you must have a monthly income of at least Rs. 50,000 for salaried individuals and Rs. 75,000 for self-employed individuals.

All online and in-store international transactions will be subject to a fee of 3.50%. It will also be used if the card is used at POS terminals that are authorised to operate in foreign countries, such as those found in duty-free stores.

The ICICI Rubyx Credit Card comes with a joining fee of Rs. 3,000 and welcomes you with travel and shopping gift vouchers worth Rs. 5,000 or more. It also offers up to 4 reward points on every Rs. 100 spent, exclusive discount offers on dining and movie tickets, and travel benefits such as train and airport lounge access. Cardholders can save a lot with this card, as they can also get their renewal fee waived based on their spending on an anniversary year card.

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