ICICI Bank Rubyx Credit Card is a premium credit card offered by the ICICI Bank. This is India’s first dual Platinum Credit Card with one account. ICICI Bank Rubyx Credit Card comes in two variants that are MasterCard Platinum and American Express (AMEX) Platinum Chip Credit Card.
The ICICI Rubyx Credit Card will let you enjoy luxury benefits on dining, golf, traveling, and lifestyle products. You will earn additional benefits on MasterCard and AMEX variants.
Below, we will provide you all the other additional and important details related to ICICI Bank Rubyx Card.
- Features and Benefits
- Rubyx MasterCard Features and Benefits
- Rubyx AMEX Credit Card Features and Benefits
- ICICI Bank Rubyx Credit Card Insurance Coverage
- Rubyx Credit Card Savings Structure
- Rubyx Credit Card Eligibility Criteria
- ICICI Bank Rubyx Card Documentation
- How to apply for ICICI Bank Rubyx Credit Card
- ICICI Bank Rubyx Credit Card Annual Fee and Other Charges
- About This Post
- Final Words
- FAQs (Frequently Asked Questions)
Features and Benefits
ICICI Bank offers exciting features and benefits to the Rubyx Card holders. Below we have listed the privileges offered by the ICICI Bank.
- ICICI Rubyx Card is an international credit card that is accepted worldwide.
- This is India’s First Dual Platinum Credit Card.
- You can redeem the Payback Points into gift vouchers and cash by dialing the ICICI Bank Credit Card Customer Care Number.
- As per milestone benefits, if your annual spending is 3 lakh or above you will earn 3,000 payback points. You are liable to earn a maximum of 15,000 payback points in an anniversary year.
- You can earn 1 payback point on the spending of every 100 rupees on insurance and utility bills.
- 1% fuel surcharge waiver on transactions across all petrol pumps in India. The maximum transaction value should be 4,000 rupees.
- You will get a 25% discount or a maximum of upto 150 rupees on purchasing tickets from bookmyshow.com. To avail of this offer, you need to purchase a minimum of two tickets. This offer is applicable two times a month each on Mastercard and Amex Card.
- A similar movie offer can be availed on ticket bookings from www.inoxmovies.com. The requirements for both the offers are the same.
- Benefits of the ICICI Culinary Treats programme can be availed with the Rubyx Credit Card.
- Airport and Railway Lounge Access on both MasterCard and AMEX cards.
- Air Accident Cover of Rs.1 crore and other insurance coverage. Below we will provide all the details.
- This credit card is also equipped with Chip and Pin Security to avoid misuse or fraudulent transactions.
- You will also get 2 complimentary golf lessons per month if you spend 50,000 rupees or above in a month.
Rubyx MasterCard Features and Benefits
Below you will see the details of ICICI Bank Rubyx Mastercard Credit Card features and benefits. Read all the details below.
Payback Points
- On Domestic Spending: 2 Payback Points on every 100 rupees spent. However, fuel is excluded from this category.
- On International Spending: 4 Payback Points on every 100 rupees spent.
Airport and Railway Lounge Access
- 1 complimentary airport lounge access per quarter if you spend 5,000 rupees or above in the previous quarter.
- 2 complimentary railway lounge visit is permitted per quarter.
- Railway Lounge access can be availed only by the primary credit cardholder.
MasterCard Moments
MasterCard Moments provide additional benefits and benefits to the MasterCard Holders. These include travel, dining. culinary treats, sports, shopping, and entertainment.
Rubyx AMEX Credit Card Features and Benefits
Now, you will see some additional benefits provided by ICICI Bank Rubyx American Express Credit Card to the AMEX Cardholders. The details have been provided below.
Payback Points
ICICI Rubyx American Express Credit Card provides extra payback points on domestic and international spending. The details have been mentioned below.
- Domestic Spending: You are entitled to earn at least 3 payback points on every 100 rupees spending from AMEX credit card. Similarly, fuel is excluded from these categories.
- International Spending: Earn 6 payback points on every 100 rupees spent from AMEX Credit Card.
Airport and Railway Lounge Access
- You are liable to get 2 railway lounge access per quarter.
- Railway Lounge Visit can be availed only by the primary cardholder.
- Similarly, you will get 1 airport lounge visit per quarter on the spending of a minimum of 5,000 rupees in the previous quarter.
American Express® Connect
AMEX Credit Cardholders can avail of the benefits of American Express Connect that will help you to enjoy a wide range of benefits on Retail, Travelling, Dining, and Shopping.
American Express® ezeClick
To provide extra security against fraudulent transactions American Express ezeClick provides fast, convenient, hassle-free, and secured online transactions.
Moreover, the best part about this feature is that you do not need to enter your credit card credentials always. The transaction can be done with the help of a single user id.
American Express Epay
One of the best features of the Rubyx AMEX Credit Card is American Express Epay. This will allow you to set standing instruction or Autopay facility for paying your utility bill payments and insurance policies.
ICICI Bank Rubyx Credit Card Insurance Coverage
One of the best features of ICICI Bank Rubyx Credit Card is its insurance coverage. ICICI Bank provided air accident cover of Rs. 1 crore rupees if you purchase a ticket with Rubyx Credit Card. Details of further insurance coverage have been mentioned below.
| Type Of Insurance | Amount |
|---|---|
| Air Accident Coverage | 1 crore rupees |
| Lost or Stolen Credit Card | 50,000 rupees |
| Loss of Baggage | Maximum upto 25,000 rupees |
| In case of Checked Baggage loss | 1200 dollars |
| Travel Documents loss | 500 dollars |
Note: If you want to know about full details of ICICI Rubyx Credit Card Insurance Coverage then visit the following link.👈
Rubyx Credit Card Savings Structure
Below, we will provide you the ICICI Rubyx Credit Card annual savings structure. Read all the information from the table published below.
| Type of Savings | Savings Amount(in rupees) |
|---|---|
| Golf Course Rounds in India and Abroad | 70,000 |
| INOX and BookMyShow offers @25% | 3,600 |
| Complimentary airport lounge access on both MasterCard and American Express | 8,000 |
| Railway Lounge Access | 4,000 |
| Total Cash Rewards on domestic purchases of annual spending of 2,50,000 | 1,750 |
| Total Cash Rewards on international purchases of annual spending of 2,50,000 | 3,750 |
| Fuel Surcharge Waiver of 1% on the spending of 5,000 rupees per month | 600 |
| Milestone rewards on annual spending of Rs.5,00,000 | 1,500 |
| Total Savings | 93,200 |
Rubyx Credit Card Eligibility Criteria
To get quick approval of ICICI Bank Rubyx Credit Card you must need to fulfill the following required eligibility criteria.
- The applicant must be an Indian Resident only.
- The applicant’s age must be above 23 years old.
- Add on or supplementary cardholder should be above 18 years of age.
- Your Annual Income should be 10 lakh per annum.
ICICI Bank Rubyx Card Documentation
After checking your eligibility criteria, the bank will ask you to provide the following list of documents to apply for the ICICI Rubyx Credit Card.
- Passport Size Photograph.
- Income Proof.
- Bank Statement or ITR Copy.
- Proof of Address and Proof of Identity documents such as Pan Card, Aadhar Card, Voter Id, Driving License, or any other government-approved Id.
- Pan Card Photocopy.
| Read About Other Premium Credit Card |
|---|
| SBI Elite Credit Card SBI Prime Credit Card |
How to apply for ICICI Bank Rubyx Credit Card
There are three ways to apply for ICICI Bank Rubyx Credit Card. You can apply via online, SMS, or by visiting your nearest ICICI branch. Below we will provide the details of all these 3 methods.
Via Online
- Visit the official ICICI Bank Credit Card page👈 and click on the “Apply Now” button.
- Then this image will appear on your screen and asking you to enter your personal and professional details.
- Enter your Name, Mobile Number, Email Id, Location, Date of Birth.
- Then enter your employment status and any existing relationship with ICICI Bank.
- Check the radio button in Yes or No if you already possess a credit card or not.
- Tick the box to give your consent to ICICI Bank to contact you regarding this credit card.
- Click on the “Get Offers” button and follow the further instructions accordingly.
Via SMS
Similarly, you can drop a callback request for applying for ICICI Rubyx Credit Card via SMS. The procedure has been mentioned below.
TYPE “RUBYX” and SMS it to 5676766.
Via Bank Visit
Moreover, you can apply for Rubyx Credit Card by physically walk into your nearest ICICI Branch. The bank executive will assist you and ask you to provide the required documents that have been mentioned above.
| Read About Other ICICI Bank Important Information |
|---|
| ICICI Bank Credit Card Bill Payment ICICI Bank Credit Card Application Status Helpline Number of ICICI Credit Card Customer Care ICICI Bank Customer Care |
ICICI Bank Rubyx Credit Card Annual Fee and Other Charges
Below you will see the details for Rubyx Credit Card joining and annual fees and other charges structure. Read from the table published below.
| Type of Fees & Charges | Total Amount |
|---|---|
| Joining Fee | Rs.3000+GST |
| Annual Fee | Rs.2000+GST Waived off when your annual spending is 3 lakh or above |
| Cash Advance Fee | 3.4% |
| Interest Fee | 3.4% |
| Late Payment Charges | Rs.0 to maximum 750 rupees depending on the total due amount. |
| Overlimit Charges | Rs. 500 or 2.5% on the over-limit amount. |
| Foreign Currency Markup | 3.5% of the transacted amount |
| Reward Redemption Fee | Rs.99+GST |
About This Post
This post is published for providing basic and helpful details related to ICICI Bank Rubyx Credit Card and its benefits, features, eligibility criteria, and documentation.
Moreover, we have also provided the applying process as well as the joining fee and annual fee, and other credit card charges structure.
Final Words
As per our understanding, we would suggest that if you have good knowledge about credit cards as well as you have a good income then you must go for this credit card.
If you are a frequent traveler or shopping enthusiast then the ICICI Bank Rubyx credit card is a perfect choice for you.
This is the first credit card that provides 2 variants of platinum chip credit cards in this price range. Moreover, this also comes with an annual fee reversal feature as well.
Credit cards now can help you to achieve better credit history like Destiny Mastercard.
FAQs (Frequently Asked Questions)
What is ICICI Bank Rubyx Credit Card?
ICICI Bank Rubyx Credit Card is an international card that is India’s first dual platinum chip credit card. This card comes in MasterCard and AMEX variant and provides multiple benefits on spending on almost every transaction.
How To Redeem ICICI Bank Rubyx Credit Card Payback or reward points into cash?
To convert your ICICI Rubyx Reward points into cash you need to call on the following helpline number.080-40146444. The amount will be reflected in your credit card account within 7 working days.
How to redeem ICICI Bank Rubyx Credit Card reward points into Gifts?
To get gifts from your payback points call on 1860-258-5000. or give an online request on payback.in. and your gift will be delivered in 10 working days.
Does ICICI Bank Rubyx Credit Card provide Airport and Railway Lounge Access?
Yes, you can avail of airport and railway lounge access with ICICI Bank Rubyx Card with both of the MasterCard and AMEX variants.
Does ICICI Bank Rubyx Credit Card offer a fuel surcharge waiver only on HPCL Petrol Pumps?
No, ICICI Rubyx Credit Card offers a fuel surcharge waiver across all petrol pumps in India. However, the maximum transaction value should not be above 4,000 rupees.