By: OurMoneyGuide || Last updated on: May 28, 2024
The ICICI Bank Rubyx Credit Card is a popular card from ICICI Bank, positioned at a level higher than their entry level cards. It provides some good perks like complimentary access to airport and railway lounges, complimentary golf, and movie benefits.
You earn 4 reward points worth ₹1, on every ₹ 100 you spend on all international card transactions.
1 reward point = ₹0.25 or 25 paise. You can redeem your reward points for various options, including shopping, travel and entertainment vouchers. You can redeem either through internet banking, mobile banking or by calling the call center.
You earn 2 reward points worth ₹0.50 (50 paise), on every ₹ 100 you spend on all purchases.
Exception –
– No reward points are given on fuel purchases.
– 0.25% benefit on utilities and insurance spends : You earn 1 reward point worth ₹0.25 (25 paise), on every ₹ 100 you spend on utilities and insurance spends.
1 reward point = ₹0.25 or 25 paise. You can redeem your reward points for various options, including shopping, travel and entertainment vouchers. You can redeem either through internet banking, mobile banking or by calling the call center. Reward points are valid for 3 years from the date of issuance.
– You get 2000 reward points worth ₹500, at ₹2 lakhs yearly card spend
– You get additional 1000 reward points worth ₹250, on each additional ₹1 lakh you spend during the year
Please note that you can earn a maximum of 10,000 reward points per year, under this program.
You get 2 free visits per quarter.
For list of lounges and other details, please click here.
You get 2 free visits per quarter.
For details, please click here.
When you purchase a minimum of two tickets, you get a 25% discount (upto a ₹150). Hence you get a 25% discount on movie ticket transactions upto ₹600. On transactions above ₹600, your discount percentage would fall below 25%.
You can avail this offer 2 times a month.
When you purchase a minimum of two tickets, you get a 25% discount (upto a ₹150). Hence you get a 25% discount on movie ticket transactions upto ₹600. On transactions above ₹600, your discount percentage would fall below 25%.
You can avail this offer 2 times a month.
You get 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month.
You can get upto a maximum 2 rounds per month (₹50,000 monthly card spend required for each round of golf).
You can also choose to take a free golf lesson, instead of a free golf round.
This program is brought to you in partnership with Golftripz. To view the updated list of golf courses, please click here.
You get complimentary insurance covers of various types, please see table below –
| Type of insurance covers | Coverage amount |
|---|---|
| Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing, and Online Fraud Protection) | ₹50,000 |
| Personal Accident due to Air Travel (Death only) | ₹1 crore |
| Baggage Insurance | ₹25,000 |
| Loss of Checked-in Baggage | ₹84,000 |
| Delay of Checked-in Baggage | ₹21,000 |
| Loss of Passport and travel-related documents | ₹35,000 |
| Missing of Connecting International Flight During Transit | ₹21,000 |
| Plane Hijacking | ₹75,000 |
| Delay in Flight | ₹17,500 |
| Credit Shield | ₹50,000 |
You get unparalleled convenience with i-Assist, ICICI Bank’s 24×7 premium concierge service designed to cater to all your needs.
– Hotel referral and reservation
– Restaurant referral and reservation
– Flight referral and reservation
– Car rental and limousine service
– Flower and gift assistance
– Booking and delivery of movie tickets
– Medical concierge privileges
– Emergency auto assistance across India
You get a 1% fuel surcharge waiver, on all fuel transactions upto ₹4000, at any fuel outlet.
You get attractive discounts & cashback offers on your shopping, travel and lifestyle needs
For latest list of offers, please click here ICICI Shopping, Travel & Lifestyle Offers
Please click here for all the options to contact the bank
| Annual fee | Annual fee offers | |
|---|---|---|
| 1st year joining fee | ₹3000 | Welcome offer : You get shopping & travel vouchers worth over ₹5000 , within 30 days of payment of 1st year annual fee. – Tata CliQ voucher worth ₹2,000. – EaseMyTrip vouchers worth ₹2,000 (comprising two vouchers worth ₹1,000 each). – Uber voucher worth ₹250. – Croma vouchers worth ₹1,000 (comprising two vouchers worth ₹500 each). |
| Renewal fee from 2nd year onwards | ₹2000 | Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹3 lakhs or more in the previous year. |
| Fee | |
|---|---|
| Finance charges | 3.40% per month |
| Card over-limit fees | 2.50% on the over-limit amount (subject to a minimum of ₹550) |
| Foreign transaction fee | 3.50% of transaction amount |
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – ICICI Rubyx Credit Card Fees & Charges
| Minimum age | 21 years or above |
| Minimum income requirement | Salaried : ₹50,000 per month || Self emplyed : ₹5.50 lakhs per year |
| Occupation | Salaried or self-employed |
| Other criteria | Regular source of income, good credit score , low credit utilisation, length of repayment history etc. |
| Online application process | The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the ICICI Bank website. You can also visit official website of the bank and fill out the application form. Steps : – Fill in the application form with the required personal and financial information. – Submit the application form and wait for a decision from ICICI Bank. |
| Offline (face to face) application process | You can visit any of the nearest branches of the bank and talk to an executive regarding the process. To find the branch nearest to you, visit here. |
| You can track the status of your application through the ICICI webpage. | STEPS : 1. Visit the ICICI Bank official website and navigate to the ‘Track Application’ page. 2. Enter the required details – mobile number and date of birth OR mobile number, application number and date of birth 3. Click on the ‘Submit’ button to check the status of your application. 4. The page will display the current status of your application, whether it is under processing, approved, or rejected. 5. If your application is approved, you will receive a notification from ICICI Bank regarding the dispatch of your credit card. Note: You can also track your application status by calling the ICICI Bank customer care number. |
| Required documents | – Income documents – PAN card – Identity proof : Aadhaar card , or any other government-issued ID proof – Residence address proof : Recent utility bill or rental agreement The bank may also ask for additional documents on a case to case basis, if required. |
The ICICI Bank Rubyx Credit Card is a popular card from ICICI Bank, positioned at a level higher than their entry level cards. It provides some good perks like complimentary access to airport and railway lounges, and movie benefits.
However , one can get better rewards from other cards available in the marketplace.
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