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Personal Loan
ICICI Bank Rubyx Credit Card
ICICI Bank Rubyx Credit Card offers several privileges across lifestyle, dining, golf, travel, movies, etc. You also get 2 complimentary ICICI Rubyx credit card lounge access per quarter to select airport lounges in India (Visa variant) by spending at least Rs 5,000 in a calendar quarter.
ICICI Rubyx Credit Card Benefits
The key ICICI Bank Rubyx credit card benefits include:
Reward Points
- 2 reward points on spending every Rs. 100 for all domestic retail purchases except fuel.
- 4 reward points for spending every Rs. 100 internationally.
- 1 reward point on spending every Rs 100 on utilities and insurance categories.
- You can redeem your ICICI Bank reward points against travel vouchers, lifestyle products, etc.
Milestone Benefits
- 3,000 reward points for spending Rs. 3 Lakhs on an anniversary year.
- 1,500 reward points each time you cross Rs. 1 Lakh spent thereafter in an anniversary year.
- A maximum of 15,000 reward points can be earned per year.
Welcome Benefits
- Welcome vouchers worth Rs. 5,000+ for shopping and travel on payment of the card joining fee.
Golf Rounds
- Get 1 complimentary golf round/ lesson for every Rs. 50,000 retail spending in the previous calendar month.
- Maximum up to 2 complimentary golf rounds can be availed of every month at the golf course of your choice based on eligible spends on your card.
Lounge Access
- 2 complimentary access every quarter to select airport lounges in India.
- This benefit is available for Visa variants only.
- You must spend a minimum of Rs. 5,000 or above in a calendar quarter to avail of this facility in the next calendar quarter.
BookMyShow Discount
- 25% discount (up to Rs. 150) on the purchase of a minimum of 2 movie tickets per transaction on BookMyShow and Inox.
- This offer can be availed twice a month on BookMyShow and Inox each.
- Dual credit card variants offer 1 movie benefit per month on each variant (MasterCard and AMEX).
Cash Rewards
- Cash rewards on annual spending of Rs. 2,50,000 on domestic as well as international purchases.
Security Feature
- This new chip card has an extra layer of security in the form of a Personal Identification Number (PIN).
- You will need to enter your PIN on the terminal for transactions at merchant outlets
Fuel Surcharge Waiver
- Waiver of 1% fuel surcharge on spending Rs. 5,000 every month on fuel.
- The waiver is available on all transactions below Rs. 4,000.
- Fuel surcharge waiver is available on fuel purchases across all petrol pumps.
Concierge Services
- i-Assist, ICICI Bank’s 24x7 premium concierge service caters to all your needs from making travel and hotel reservations to booking cars and delivering movie tickets to your doorstep.
- Call 1800 26 70731 (toll-free for MTNL/BSNL) or 022 6787 2016 (standard call charges applicable) to contact the i-Assist team.
Insurance Benefits
- Air accident insurance of Rs. 1 Crore
- Lost card liability of Rs. 50,000 including loss up to 2 days prior to reporting the same.
- Baggage insurance of Rs. 25,000.
- Loss of checked-in baggage cover of Rs. 84,000.
- Delay of checked-in baggage cover of Rs. 21,000.
- Loss of passport & travel-related documents cover of Rs. 35,000.
- Missing of connecting international flights during transit cover of Rs. 21,000.
- Plane hijacking cover of Rs. 75,000.
- Credit shield of Rs. 50,000.
- Account takeover cover if your details are accessed and misused by a third person.
Annual Fee Waiver
- Get the annual fee (second year onwards) of Rs. 2,000 + GST waived on spending Rs. 3,00,000 and more in a year.
You can ICICI Bank Rubyx credit card reviews online or call ICICI Bank credit card customer care to know more about this card’s features and benefits.
ICICI Bank Rubyx Credit Card Charges
| Type of Charge | Details |
|---|---|
| First-year annual fee | Rs. 3,000 + GST |
| Second year onwards annual fee | Rs. 2,000 + GST (waived on spending Rs. 3,00,000 & more) |
| Finance charge for cash advance | 3.40% per month |
| Overdue interest in extended credit | 3.40% per month |
| Overlimit charge | 2.50% of the over-limit amount (minimum Rs. 500) |
| Cash advance charge | 2.50% of the advanced amount (minimum Rs. 300) |
| Redemption handling fee | Rs. 99 |
| Late payment charge | Up to Rs. 750 |
| Return cheque fee | 2% of the amount due (minimum Rs. 450) |
| Auto-debit return fee | 2% of the amount due (minimum Rs. 450) |
| Cash payment at the branch fee | Rs. 100 per transaction |
| Outstation cheque processing fee | 1% of cheque value (minimum Rs. 100) |
| Foreign currency transaction fee | 3.5% of transacted/converted amount |
| Duplicate statement | Rs. 100 |
| Card replacement fee | Rs. 100 |
| Charge slip fee | Rs. 100 per slip |
ICICI Rubyx Credit Card Eligibility Criteria
You must meet the following eligibility criteria to apply for ICICI Rubyx credit card:
- You must be an Indian citizen.
- Primary card applicants must be aged at least 21 years old
- Supplementary card applicants must be aged at least 18 years old.
- Salary applicants must have a monthly salary of a minimum of Rs. 50,000.
- Self-employed applicants must have a minimum annual income of Rs. 5.5 Lakhs.
If you meet the eligibility criteria mentioned above, you can easily apply for the ICICI Bank Rubyx credit card with the following documents:
- Identity proof: PAN Card, Aadhaar Card, Voter's ID or Driving License.
- Address proof: Electricity Bill or Phone Bill with your address on it.
- Income proof: The latest Income Tax Returns and Salary Slips.
- Photograph: Recent passport-sized photograph.
ICICI Bank Rubyx Credit Card Review
ICICI Bank Rubyx Credit Card is a decent credit card for frequent travellers, specifically for those who are interested in complimentary airport lounge access. This card offers a 25% discount (up to Rs. 250) on the purchase of a minimum of 2 tickets per transaction with BookMyShow as well as INOX. The card also offers 2 reward points on spending every Rs. 100 for all domestic retail purchases (except fuel) and 4 reward points for spending every Rs. 100 internationally.
ICICI Bank Rubyx Credit Card Lounge Access
ICICI Bank Rubyx Credit Card offers 2 complimentary access every quarter to select airport lounges in India. However, this benefit is available for Visa variants only. Also, you must spend a minimum of Rs. 5,000 or above in a calendar quarter to avail of this facility in the next calendar quarter.
How to Apply for an ICICI Rubyx Credit Card?
If you want to apply online, simply follow the instructions outlined below:
- Visit the ICICI bank's official website.
- Click the 'Cards' option on the home screen and then select 'credit cards'.
- Scroll down and find the Rubyx credit card.
- Select 'Get Card’ and fill in the online application form with all essential information.
- Submit the required documents.
FAQs
Is ICICI Bank Rubyx credit card free?
No, the card involves a first-year annual fee of Rs. 3,000 + GST and Rs. 2,000 + GST for the second year onwards. However, the annual fee from the second year onwards is waived on spending Rs. 3,00,000 and more on the card.
Is the ICICI RubyX card good?
Yes. It is a decent credit card for frequent travellers. The card offers complimentary lounge access rewards, movie tickets, insurance benefits, and much more.
What are the salary criteria for a Rubyx credit card?
Salary applicants must have a monthly salary of a minimum of Rs. 50,000 and self-employed applicants must have a minimum annual income of Rs. 5.5 Lakhs to apply for a Rubyx credit card.
Does the ICICI Rubyx Visa credit card have lounge access?
Yes, ICICI Bank Rubyx credit card offers 2 complimentary access every quarter to select airport lounges in India. However, this benefit is available for Visa variants only. Also, you must spend a minimum of Rs. 5,000 or above in a calendar quarter to avail of this facility in the next calendar quarter.
What is the limit of the ICICI Rubyx credit card?
The ICICI Rubyx credit card limit depends on the cardholder's credit score and monthly income. The card issuer often offers a limit of one to three times the cardholder's monthly income. For instance, someone with a monthly income of Rs. 50,000 and a decent credit score might get a credit limit of Rs. 1 Lakh to Rs. 1.5 Lakh per month.
Is the ICICI Rubyx credit card lifetime free or not?
No, the ICICI Rubyx credit card if not a lifetime free credit card. The card involves a first-year annual fee of Rs. 3,000 + GST and Rs. 2,000 + GST for the second year onwards (waived on spending Rs. 3,00,000 and more on the card).
