The ICICI Rubyx Credit Card is India’s first dual platinum credit card available in both Visa and Mastercard network categories. This means the user can avail the benefits of two credit cards with the same account. Moreover, the ICICI Rubyx credit card is an ideal choice for users with relatively high annual spending as it offers exclusive rewards to their cardholders across categories such as lifestyle, travel, shopping, and more.
Users can enjoy enhanced spending power, amazing privileges & comprehensive insurance coverage with this amazing credit card from ICICI Bank. The card comes with a joining fee of ₹3,000 and welcomes you with travel & shopping gift vouchers worth ₹5,000 or more. With this card, you earn ICICI Rewards Points (which earlier offered PAYBACK Points) on almost all your domestic and international spending where you can easily redeem these points for cash or a gift of your choice. Every anniversary year, you can earn up to 15,000 PAYBACK Points. The complete details of the card are explained below, please read.
ICICI Rubyx Credit Card details
| Key Highlights | Features | Details |
| Joining Fee | ₹3000 + GST | |
| Annual Fee | ₹2000 + GST, from 2nd year onwards (Waived on spending Rs 3,00,000 and more in previous year) | |
| Best Suited For | Shopping & Travel | |
| Welcome Benefits | Avail amazing welcome vouchers worth ₹5,000+ within 45 days of payment of joining fees | |
| Milestone Benefits | Earn up to maximum of 15,000 ICICI Bank Reward Points every anniversary year with ICICI Bank Rubyx Credit Card | |
| Fuel Surcharge Waiver | 1 percent of fuel surcharge waiver | |
| Security Features | Chip & PIN security |
ICICI Rubyx Credit Card Benefits
| Benefits | Details |
|---|---|
| Welcome Benefits | Get Welcome Vouchers on Shopping & Travel worth ₹5,000+ on payment of the joining fee (₹3,000) of the card: Related brands Voucher amount Tata Cliq – ₹2,000 Uber – ₹250 EaseMyTrip – ₹2,000 (Two vouchers worth ₹ 1000 each) Tata Croma – ₹1,000 (Two vouchers worth ₹ 500 each) For an annual fee of ₹2,000, a user can avail a host of shopping perks by availing additional balance as Welcome vouchers on ICICI Bank Rubyx Credit Card |
| Lounge Access | Airport Lounge Access: – Eligible cardholders holding the ICICI Bank Rubyx Credit Card can avail 2 complimentary airport lounge access (one on each variant) per quarter by spending a minimum of ₹5,000 or more in a calendar quarter on the card. – Eligible cardholders holding the ICICI Bank Rubyx Dual Credit Cards can avail 1 Complimentary Domestic Airport lounge access per quarter on each card. – Over & above the allowed number of complimentary visits, each subsequent visit will be charged according to rates applicable at each lounge service provider. – To avail of the services, users should present their card at the lounge reception Railway Lounge Access: – Eligible cardholders holding the ICICI Rubyx Credit Card can avail 2 complimentary railway lounge visits per quarter. – Access to railway lounges will apply only to primary cardholders. |
| Concierge Service / i-Assist | – The card offers the customer a 24×7 premium concierge service with an i-Assist program where all his needs are taken care of from travel and hotel reservations to car bookings and movie tickets delivered to his doorstep. – To get in touch with the i-Assist team please call 1800 26 70731 (toll-free for MTNL/BSNL) or 022 6787 2016 (standard call charges may apply) The services include: 1. Flight referral & reservation 2. Hotel referral & reservation 3. Restaurant referral & reservation 4. Car rental & limousine service 5. Booking & delivery of movie tickets 6. Flower & gift assistance 7. Medical concierge privileges 8. Emergency auto assistance across India |
| Culinary Treats Program | Under this program, all ICICI Rubyx Visa Credit Card members can avail of a minimum discount of up to 15% on their dining bills at all partner restaurants across India. |
| INOX /Bookmyshow /Discounts On Movie Tickets | – Eligible cardholders can get discounts on booking at INOX: Users can avail a 25% discount of up to ₹150 on the purchase of a minimum 2 movie tickets per transaction on www.inoxmovies.com, INOX App, INOX Box Office, or at BookMyShow. This offer can be availed twice in a month – Successful booking is on a first-come, first serve basis & is subject to daily stock availability |
| Golf Privileges | Complimentary rounds of golf every month: – Perfect your swing with exclusive access and privileges at the most iconic golfing greens in India and around the world – 1 complimentary Golf Round / Lesson for every ₹50,000 retail spends in the previous calendar month – Maximum of up to 2 rounds/month – To register for a game, just visit www.teetimes.golftripz.com and create a Golftripz account using the same email ID as registered with ICICI Bank Credit Cards. – The complimentary round of golf will be visible in your Golftripz account after the 10th day of the next month. This will be available for you to play anytime in the next 2 months – You may also call i-Assist, 24×7 concierge service at 1800-26-70731 (a toll-free for MTNL/BSNL lines) or 022-67872016 (standard call charges may applicable), for assistance with online booking |
| Insurance Benefits | Stay protected from an air accident: – Insurance of ₹1 crore and a lost card liability of ₹50,000 that includes loss up to 2 days before reporting the same. – Account Takeover Cover: Remain protected in the event of your details being accessed & misused by a third person Cover categories Amount (Sum Insured) 1. Personal Accident Due to Air (Death Only)– ₹1,00,00,000 2. Loss of Checked-in Baggage – ₹84,000 3. Plane Hijacking – ₹75,000 4. Card Liability Cover (Lost Card Liability, Online Fraud Protection Counterfeit/ Skimming/Phishing) – ₹50,000 5. Credit Shield – ₹50,000 6. Loss of Passport & Travel Related Documents – ₹35,000 7. Baggage Insurance – ₹25,000 8. Delay of Checked-in Baggage – ₹21,000 9. Missing of Connecting International Flight During Transit – ₹21,000 10. Delay in Flight – ₹17,500 |
| Rewards Benefits | – Earn 2 reward points on every ₹100 Domestic Spends – Earn 4 reward points on every ₹100 International Spends – Earn 1 reward point on every ₹100 on Utilities and Insurance |
| Milestone Benefits | Get up to a maximum of 15,000 ICICI Bank Reward Points every anniversary year with ICICI Rubyx Credit Card |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on all fuel transactions of up to ₹400 at any fuel outlet when the card is swiped |
| Security Features | ICICI Bank Rubyx Credit Cards come with an embedded microchip which provides additional security against forgery and card copying – The new chip cards have an extra layer of security as a Personal Identification Number (PIN) – You will be required to enter your PIN on the terminal for payments at merchant outlets – This PIN is not required for online transactions |
Reward Redemption Process
With this card, you earn ICICI Rewards Points (which earlier offered PAYBACK Points) on almost all your domestic and international spending. You can easily redeem these points for cash or a gift of your choice. Here is how you can do it:
- For redemption of Rewards against cashback, you can call 080-40146444 & the equivalent cashback will be credited into your account within 7 days from the redemption request
- For redemption of Rewards against gifts, you can call 1860-258-5000 & the gift will be sent to you within 10 days.
- 1 Reward Point = ₹0.25
ICICI Bank Rubyx Credit Card Fees And Charges
| Charges | Amount |
|---|---|
| Joining Fee | ₹ 3,000 + GST |
| Annual Fee | ₹ 2,000 + GST (waived off on spending ₹3,00,000 & more in previous year) |
| Finance Charges/Interest Rate | 3.40% per month 40.80% per annum |
| Interest Free Period | 18 – 48 days |
| Overdue Interest In Extended Credit | 3.40% per month 40.80% per annum |
| Cash Advance Charge | 2.50% of advanced amount, subject to a minimum of ₹ 300 |
| Over-Limit Charge | 2.50% of over-limit amount, subject to a minimum of ₹ 500 |
| Redemption Handling Fee | ₹99 |
| Late Payment Charges | For statement balance: Charges Balance b/w Nil – Below ₹ 100 ₹ 100 – b/w ₹ 100 – ₹ 500 ₹ 500 – b/w ₹ 501 – ₹ 10,000 ₹ 750 – Above ₹ 10,000 |
| Return Cheque Fee | 2% of amount due, subject to a minimum of ₹ 450 |
| Auto-Debit Return Fee | 2% of amount due, subject to a minimum of ₹ 450 |
| Outstation Cheque Processing Fee | 1% of cheque value, subject to a minimum of ₹ 100 |
| Foreign Currency Transaction Fee/Mark-Up Fee | 3.5% of transacted/converted amount |
| Cash Payment At Branches Fee | ₹ 100/ transaction |
| Duplicate Statement | ₹ 100 |
| Card Replacement Fee | ₹ 100 |
| Charge Slip Fee | ₹ 100/slip |
Eligibility Criteria of ICICI Rubyx Credit Card
To apply for ICICI Bank Rubyx Credit Card, you must meet the following eligibility criteria:
| Eligibility Criteria | Details |
| Age | You must be: minimum 21 years old for primary card minimum 18 years old for supplementary card |
| Citizenship | Indian |
| Occupation | Salaried or self-employed |
| Minimum Income Reqirement | You must have: Minimum monthly income for salaried person, ₹ 50,000Minimum annual income for self-employed person, ₹ 5.5 lakh |
Required Documents to Apply for ICICI Rubyx Credit Card
The following documents are required for ICICI Rubyx Credit Card:
ICICI Rubyx Credit Card Customer Care Service
If someone wants to get queries answered or to register a complaint regarding his ICICI Rubyx credit card, he can get in touch with the team of ICICI Credit Card Customer Care.
- The toll-free number for ICICI Bank customer care is 1800 1080
- You can also call 1860-120-7777
- If any domestic customer traveling abroad, he can call +91-22-33667777 for credit card-related queries
- ICICI Bank also has a 24/7 concierge service called i-Assist. Users can call i-Assist at 1800-26-70731 (toll-free for MTNL/BSNL lines) or 022-67872016 (standard call charges may be applicable)
- If you want to write a mail regarding any queries related to ICICI Bank Credit Cards, you can write & send a mail to the email ID “customer.care@icicibank.com”
ICICI Rubyx Credit Card Application Status, How to check?
Here are the ways you can check the status of your card:
- The most convenient way to check your credit card application status is to contact the customer care number 1800 103 8181 and inquire with the customer support team. They will ask you for details like your name, application number, etc., and provide you with all the necessary information
- ICICI Bank also has a separate webpage that helps its customers track the status of their applications. Cardholders need to visit the official webpage of the bank and enter the required details and once the information is submitted, you will get the status of your credit card application within a few seconds.
Steps to Check Application Status Online:
- Click here to visit the official Track Your Applications / Service Requests page,
- In case you have the application number, enter the same along with your registered mobile number and date of birth, or enter the PAN number along with your registered mobile number.
- Alternatively, you can visit the bank branch and ask the bank officials about the status of your credit card application
How to Activate a Credit Card and Generate PIN
After receiving the card from the bank, the card user can generate the PIN of the ICICI Rubyx Credit Card in many ways, such as:
- You can activate your credit card through the ATM. Visit your nearest ATM & look for the ‘Create/Generate New PIN’ option from the main menu
- Visit the official website of ICICI Bank & sign up for internet banking. After adding your card, you can easily pick the option to generate your credit card PIN
- ICICI Bank offers you another easy way to activate your credit card through mobile banking via the mobile app. Log in to the app, add your card and look for the option to generate a PIN
- If none of the above methods suit you, you may contact ICICI Bank Credit Card Customer Service executive to get assistance in activating your credit card and generating the PIN
- Click here to know more about credit cards from ICICI Bank
- Click here to know more about credit cards from other banks
How to Apply offline/online for the Rubyx Credit Card?
To apply for the card offline, simply go to your nearest bank and fill out the physical application form.
If you want to apply online, simply follow the instructions given below:
Step 1: Visit the ICICI bank’s official website https://www.icicibank.com .
Step 2: On the home screen, you’ll see the option ‘Cards’.
Step 3: Navigate to the Cards area and select ‘credit cards’.
Step 4: Scroll down to find the Rubyx Credit Card.
Step 5: Select ‘Get Card’.
Step 6: You’ll be taken to an online application form.
Step 7: Fill out all of the essential information and paperwork.
FAQs
Is ICICI Rubyx credit card free?
No, Once the application is approved, you will have to pay a joining fee of ₹ 3,000. If you spend less than ₹ 3 lakh annually through the card, you will have to pay an annual fee of ₹ 2,000 (waived off on spending ₹ 3,00,000 & more). Apart from this, you must earn a minimum monthly income of ₹ 50,000 (for salaried), or earn an annual income of ₹ 5,50,000 (for self-employed) to get an ICICI Rubyx credit card.
What are the welcome benefits of the Rubyx Credit Card from ICICI Bank?
A cardholder can avail amazing welcome vouchers worth ₹ 5,000+ within 45 days of payment of joining fees.
What are the security features of the Rubyx Credit Card from ICICI Bank?
ICICI Bank Rubyx Credit Cards come with an embedded microchip which provides additional security against forgery and card copying. The new chip cards have an extra layer of security as a Personal Identification Number (PIN).
How can a cardholder redeem his reward points on ICICI Rubyx credit card?
The Reward Points you earn using this credit card can be redeemed against the card’s statement balance/ cashback or gifts at a rate of 1 Point = ₹ 0.25. The redemption can be done by contacting customer care.
What are the benefits of ICICI Rubyx credit card ?
The card is best suited for travel & shopping. On payment of the registration fee, you will receive ₹ 5000 in Welcome Vouchers for Shopping and Travel. Every anniversary year, you can earn up to 15,000 PAYBACK points.
When will I be charged the foreign transaction mark-up fee on the ICICI Rubyx credit card?
The fee of 3.50% will be charged on all international retail and online transactions
