ICICI bank is one of the largest banks in India and an important pillar of the Indian banking sector. With nearly 3 decades of experience in providing world-class banking services, ICICI has a large and contented customer base. Prominent among these services is the ICICI Rubyx credit card which is the country’s first dual credit card.
ICICI bank Rubyx credit card is a dual credit card. This means that you can avail the benefits of 2 credit cards from a single account. Like coral credit cards, ICICI Rubyx card also comes in two variants- either MasterCard or Visa. ICICI Rubyx is targeted at users with relatively high annual expenditures. Read a detailed ICICI Rubyx credit card review below.
Once you receive your ICICI Rubyx card, you get a welcome voucher worth more than ₹ 5000 for shopping, travelling, and other expenditures.
The cardholder can earn payback points for each purchase worth more than ₹ 100 and then redeem these points for cash or a gift voucher.
You stand to earn a large number of payback points by making a large transaction through the Rubyx credit card. You can earn 3000 points on making a purchase of ₹ 3 lakh and 1500 points for making a purchase worth ₹1 lakh. However, you can not win more than 15000 points in a particular year.
By using your ICICI Rubyx card for purchasing movie tickets through BookMyShow or INOX, you can earn a discount of 25%. The minimum value of the tickets needs to be ₹ 250.
Rubyx credit cardholders can avail of 2 visits to the airport and railway lounge in a quarter. For this offer, the cardholder needs to spend a minimum of ₹ 5000 in a quarter.
Find all the relevant details about ICICI Rubyx credit card charges and fee in the table below-
Type of Charge |
Amount |
Joining fee |
₹ 3000 |
Annual fee |
₹ 2000 (ICICI Rubyx credit card annual fee is waived off if spend more than ₹3 lakh in a year) |
Finance charge for cash advance |
3.4% per month |
Overdue interest |
3.4% per month |
Over-limit charge |
2.5% (minimum amount should be ₹500) |
Cash advance charge |
2.5% (minimum amount should be ₹300) |
Redemption handling fee |
₹99 |
Late payment charge |
|
For all queries related to your Credit card, you can reach the ICICI Bank credit card customer care team:
Email: Customer.care@icicibank.com
Phone: 1860 120 7777
Local call: 33667777 (prefix local area code)
On purchasing Rubyx credit card, you are entitled to complimentary Sennheiser HD219 headphones
You get an air accident cover worth ₹1 crore and lost card liability cover worth ₹50,000.
Cardholders can use i-Assist to make quick reservations for hotels, cabs and other travel arrangements.
If you are a Rubyx credit cardholder, you get access to 2 complimentary rounds of golf each month.
Cardholders get a minimum discount of 15% while dining across major restaurants.
Just follow these 5 quick steps and you’re done!
ICICI bank Rubyx credit card is meant for frequent travellers and those who often spend big on shopping and other purchases. The card is quite a handful due to its payback points policy and handsome discounts on movie ticket booking. Further, your annual fee would be waived off if you spend more than ₹3 lakh in a year.
However, the card does not offer any memberships such as priority passes, etc.
Rubyx credit cardholders can enjoy 2 complimentary access to the airport or railway lounge in a quarter. The card also provides a 1% fuel surcharge waiver at all major fuel refilling outlets. Further cardholders can redeem up to 15,000 payback points in an anniversary year. Lastly, cardholders can get up to a 15% discount if they use Rubyx credit card to pay their dining bills across major restaurants.
No. If your application is approved, you have to pay ₹ 3000 as a joining fee. You also have to pay ₹ 2000 as an annual fee if you spend less than ₹ 3 lakh through the card in an annual year. Further, you also need to earn at least ₹ 50,000 a month (salaried) or ₹ 75,000 (self-employed) to be able to receive an ICICI Rubyx credit card.