ICICI Bank Rubyx Credit Card

The ICICI Bank Rubyx Credit Card is India's first Dual Platinum credit card, available in both Visa and Mastercard variants. With this card, you get two credit cards under one account. It's a premium card designed for frequent travelers and comes with an annual fee of Rs. 2,000. Ideal for big spenders, the card offers various exclusive benefits. Learn more about the features of the ICICI Bank Rubyx Credit Card below.

Key Highlights of ICICI Bank Rubyx Credit Card

ICICI Bank Rubyx Credit Card
Joining Fee Rs. 3,000
Annual Fee Rs. 2,000 (waived off on spending more than Rs. 3 lakh in the previous year)
Best Suited For Travel and Shopping
Minimum Income Required
  • Rs. 50,000 per month (for salaried)
  • Rs. 75,000 per month (for self-employed)
Welcome Benefits Get Welcome Vouchers on Shopping and Travel worth Rs 5000 on payment of joining fee.
Best Feature Earn 2X reward points on all international transactions on your card.

Welcome Vouchers worth Rs. 5,000+

The ICICI Bank Rubyx Credit Card has an annual fee of Rs. 2,000, but it gives you welcome vouchers worth more than this amount.

  • Upon paying the card's joining fee of Rs. 3,000, you'll receive welcome vouchers for shopping and travel valued at Rs. 5,000 or more.

Here are the various vouchers available as welcome gifts:

Brand Voucher Amount
TataCliQ Rs. 2,000
EaseMyTrip Voucher Rs. 2,000 (Two vouchers worth Rs. 1,000 each)
Uber Rs. 250
Central Brand Rs. 1,000 (Two vouchers worth Rs. 500)
Croma Rs. 1,000

PAYBACK Points on all your transactions

Up to 6 PAYBACK Points on every Rs. 100 spent

With the ICICI Bank Rubyx Credit Card, you earn PAYBACK rewards points for every transaction you make. Plus, you can also earn extra points from PAYBACK partner brands when you use your card for purchases.

You have a variety of options to redeem your PAYBACK Points, including movie and travel vouchers, lifestyle products, mobiles, appliances, and more. Here's how the points are distributed:

Category PAYBACK Points on ICICI Rubyx Mastercard Credit Card (per Rs.100)
Domestic Spends 2
International Spends 4
Utilities and Insurance 1

Important Points to Note:

  • You can choose between redeeming your points for different gifts or for cash.
  • When you redeem your points for cash, each reward point is worth Rs. 0.25.

Milestone Rewards Program

With the newly introduced ICICI Bank Milestone Rewards Program, you get:

  • You'll earn 3,000 PAYBACK Points when you spend Rs. 3 lakh using your card.
  • You'll receive 1,500 PAYBACK Points every time your card spending crosses Rs. 1 lakh in an anniversary year.

Through this program, you can earn a maximum of 15,000 PAYBACK Points per year. This feature stands out as one of the most attractive benefits of the card. It's safe to say that with your ICICI Rubyx Credit Card and PAYBACK, your shopping becomes incredibly rewarding.

Exclusive Entertainment Privileges

The card provides valuable entertainment benefits through partnerships with both BookMyShow and INOX. What sets this benefit apart is its flexibility, as it isn't limited to just one platform, unlike many other credit cards.

  • Using your ICICI Bank Rubyx Credit Card, you can enjoy a 25% discount (up to Rs. 250) when you buy a minimum of 2 tickets per transaction on BookMyShow or INOX.
  • You can take advantage of this offer up to two times in a month.
  • Successful bookings are processed on a first-come, first-served basis and are subject to daily stock availability.

Travel Benefits (airport lounge, railway lounge, and golf)

The card offers a range of travel benefits. Here are the different travel benefits you can enjoy with the card:

Airport Lounge Access

You can enjoy 2 complimentary airport lounge accesses per quarter, one for each card variant. To avail of this benefit in the next calendar quarter, you need to spend a minimum of Rs. 5,000 or more in a calendar quarter using the card. If you exceed the allowed number of complimentary visits, any additional visits will incur charges based on the rates set by each lounge service provider.

Railway Lounge Access

You can enjoy 2 complimentary railway lounge visits per quarter, and please note that access to railway lounges is available exclusively for primary cardholders.

Complimentary Rounds of Golf

  • You can receive a complimentary Golf Round or Lesson for every Rs. 50,000 spent on retail purchases in the prior calendar month, with a maximum of 2 rounds allowed per month.
  • To reserve your game, just go to www.teetimes.golftripz.com and set up a Golftripz account using the same email ID that you've registered with ICICI Bank Credit Cards.
  • You'll be able to see the complimentary round of golf in your Golftripz account starting from the 10th day of the next month.
  • You can enjoy this complimentary round anytime within the next 2 months.
  • Check for open tee times when you want to golf, book your preferred slot, and easily keep track of all your reservations online.

Other Benefits of ICICI Bank Rubyx Credit Card

Here are some other important advantages of the ICICI Bank Rubyx Credit Card:

  • Dining Savings: Enjoy a guaranteed 15% discount on your dining bills at participating restaurants.
  • Premium Concierge Services: Get 24/7 assistance for your travel bookings and even have movie tickets delivered to your doorstep.
  • Air Accident Insurance: Receive coverage of Rs. 1 crore in case of air accidents.
  • Lost Card Protection: Receive a lost card protection of up to Rs. 50,000, which covers losses even if you report them within 2 days (For more information on the insurance coverage).
  • Fuel Surcharge Waiver: You won't have to pay the 1% fuel surcharge when you refuel at any fuel station.

The fees and charges associated with the ICICI Rubyx Credit Card are as follows:

Fees / Charges Amount
Joining Fee Rs. 3,000
Annual Fee Rs. 2,000 (waived off on spending more than Rs. 3 lakh in the previous year)
Finance Charges 3.40% per month / 40.80% p.a.
Late Payment Charges** For Statement Balance
  • Below Rs. 100 – Nil
  • Between Rs. 100 to Rs. 500: Rs. 100
  • Between Rs. 501 to Rs. 5,000: Rs. 500
  • Between Rs. 5,001 to Rs. 10,000: Rs. 750
  • Between Rs. 10,001 to Rs. 25,000: Rs. 900
  • Between Rs. 25,001 to Rs. 50,000: Rs. 1,000
  • Above Rs. 50,000: Rs. 1,200

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To apply for the ICICI Rubyx Bank Credit Card, applicants should meet the following eligibility criteria:

Criteria Details
Occupation Salaried and Self-employed
Minimum Income for Salaried Rs. 50,000 per month
Minimum Income for Self-employed Rs. 75,000 per month
Documents Required Click here for the list of acceptable documents
Serviceable Cities Click here for the list of eligible cities

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The ICICI Bank Rubyx Credit Card is a suitable choice for frequent travelers, especially those seeking airport and railway lounge access. However, it may not be the ideal option for maximizing rewards due to its relatively lower average reward rate.

On the positive side, the card provides valuable movie benefits. You can enjoy a 25% discount (up to Rs. 250) when purchasing a minimum of 2 tickets per transaction at both BookMyShow and INOX.

In summary, this card is a good fit for frequent travelers and individuals who frequently make international transactions. Nevertheless, it falls short in terms of reward rates when compared to other cards in the same category.

  • The card offers both airport and railway lounge access facility
  • 25% discount on movie ticket bookings via both BookMyShow and INOX
  • Rs. 2,000 annual fee can be waived with annual spends of Rs. 3 lakh
  • Joining fee of Rs. 3,000 might be too high
  • Low reward rate of 0.25% on utility bill payment and insurance spending
  • No memberships offered like Priority Pass, Club Vistara etc.

If you travel often and are in search of a travel credit card, here are some decent alternatives for you-

Credit Card Annual Fee Best For Key Feature
Air India SBI Signature Credit Card Rs. 4,999 Travel Rewards and Exclusive Benefits with Air India 30 reward points for every Rs. 100 spent on Air India ticket booking
SBI Elite Credit Card Rs. 4,999 Lounge Access, Movies and Dining Complimentary Priority Pass, Vistara Silver and Trident Privilege Red Tier Memberships
Standard Chartered Emirates World Credit Card Rs. 3,000 Travel Rewards with Emirates, Lounge Access and Golf Privileges 5% cashback on duty free shopping and 6 Skyward miles on every Rs. 150 spent
HDFC Regalia Credit Card Rs. 2,500 International Airport Lounge Access Complimentary Priority Pass Membership and Club Vistara Silver Membership

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1. How can I track my credit card status?

You can check the status of your ICICI Bank Rubyx credit card application, by visiting the website. Detailed steps are given here.

2. When will I be charged the foreign transaction mark-up fee on the ICICI Bank Rubyx credit card?

A fee of 3.50% will be applied to all international retail and online transactions, including usage at POS machines located in international territories, such as those found at duty-free shops.

3. How to Redeem your PAYBACK Points earned on ICICI Bank Rubyx Credit Card?

Here's how you can easily redeem your PAYBACK Points:

To redeem your PAYBACK Points in Cash To redeem your PAYBACK Point for Gifts
Each PAYBACK point is equivalent to Rs. 0.25. Kindly call on 080-40146444* to redeem. The equivalent cash amount will be credited to your credit card account within 7 working days Kindly call on 1860-258-5000*, or place an online request for redemption at www.payback.in. You will receive your chosen gift within 10 working days

*Standard call charges apply

4. How can I earn and redeem reward points on the card?

All eligible expenses, including shopping, movie ticket bookings, and dining expenditures, earn the cardholder reward points. These points can be redeemed for various items available in the PAYBACK rewards catalogue. To explore your redemption options, please visit the PAYBACK website.

You can apply for The ICICI Bank Rubyx Visa Credit Card conveniently through the bank's website or by visiting the nearest ICICI Bank branch

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You can access the following links to find detailed information and procedures related to managing your ICICI Bank Credit Card