Credit Card Rating
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ICICI Bank Rubyx Credit Card is a premium credit card best suited for the frequent domestic traveller. Features like concierge service, lounge access, car rental service, etc. make travelling convenient for the cardholders. The card comes in two network variants- American Express and Mastercard. Details of the credit card are given below.
Best suited for
Annual Fee: ₹ 2000
waived off if spend > ₹3,00,000 in the previous year
Joining Fee: ₹ 3000
Best Suited For – Golf, Travel and Rewards
*Offers are from Paisabazaar's partner Banks & NBFCs.
Eligibility and Documentation
|Occupation||Salaried or Self-employed|
|Minimum Income for Salaried Applicants||Rs. 6,00,000 per annum|
|Minimum Income for Self-employed Applicants||Rs. 9,00,000 per annum|
|Serviceable Cities||Click here for the list of eligible cities|
Along with a duly filled application form, you will be required to submit valid proof of identity, address and income. Find the list of acceptable documents below.
Buy 1 ticket and get 1 ticket free on any given day of the week when purchasing via INOX or BookMyShow. Maximum discount of Rs. 300 can be availed with borth brands.
Get 3,000 PAYBACK Points after spending Rs. 3 Lakh. Afterwards, earn 1,500 PAYBACK Points every time you cross Rs. 1 Lakh limit. You get a maximum of 15,000 PAYBACK Points in a year.
Get the following coverage:
You will earn PAYBACK points on all eligible spends in the below-given manner.
Avail lounge access at select airports and railway station lounges in India. You can avail 2 complimentary railway lounge visits and 2 airport lounge visits per quarter.
Get exclusive benefits provided only to ICICI Bank Rubyx American Express credit cardholders. These benefits are:
The feature makes online shopping easier. User will just have to share the User ID and not the credit card details at the time of payment.
Pay off utility bills, insurance premiums, phone bills and other bills automatically using this feature.
Get 2 railway lounge visits and 2 airport lounge visits at select airport and railway lounges per quarter.
You can earn PAYBACK Points in the following manner:
Mastercard offers lots of discounts, offers on a variety of categories. Customers can get discounts on hotel stays, apparels, dining, and so on. Visit Master card moments website to avail these offers.
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Fee and Charges
|Joining Fee||Rs. 3,000|
|Annual Fee||Rs. 2,000|
|Cash Advance Transaction Fee||2.50% of the amount/ Min. Rs. 300|
|Reward Redemption Fee||Rs. 99|
|Finance Charges||3.40% per month / 40.80% p.a.|
|Overlimit Charges||2.50% of the over-limit amount/Min. Rs. 500|
|Late Payment Charges||Nil for amount due less than Rs. 100|
Rs. 100 for amount between Rs. 100 and Rs. 500
Rs. 500 for total amount due greater than Rs. 501 and up to Rs. 10,000
Rs. 750 for total amount due greater than Rs. 10,000
|Surcharges||1% /Min. Rs. 10 on fuel transaction1.80% of the transaction value for Internet railway bookings and 2.50% for other railway bookings.|
|Foreign Transaction Fee||3.50% of the amount|
How to Apply for ICICI Bank Rubyx Credit Card
You can easily apply for this credit card through Paisabazaar by following the steps given below:
ICICI Bank Rubyx Visa Credit Card can also be applied through the Bank’s website or through a visit at the ICICI Bank branch.
Which variant of ICICI Rubyx credit card should I get?
ICICI Bank Rubyx credit card comes in two variants American Express and Mastercard. In terms of differences, there are not that many. Lounge access is provided by both variants along with movie offers. The only difference lies in certain offers that the two payment networks provide. These are regularly updated by the network companies. Overall they are the same so you may go for either one.
How can I track my credit card status?
You can know the application status of your ICICI Bank Rubyx credit card by visiting the website. Detailed steps are given here.
When will I be charged the foreign transaction mark-up fee on the ICICI Bank Rubyx credit card?
The fee of 3.50% will be charged on all international retail and online transactions. It will also be applied when the card is used at those POS machines which are registered in international territory; like the POS machines at Duty Free shops.
How can I earn and redeem reward points on the card?
All eligible spends, shopping, movie ticket bookings, dining spends earn the user reward points. These points can be redeemed against items in PAYBACK rewards catalogue. Visit PAYBACK for the same.
What is the income requirement on ICICI Bank Rubyx Credit Card?
ICICI Bank has not disclosed the income requirement on ICICI Bank Rubyx Credit Card. The same will be shared when you show intent on applying for the credit card.
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|Credit Card||Annual Fee||Key Feature||Paisabazaar Rating|
|Foreign Mark-up Fee is just 1.99%|
Earn 2 Reward Points per Rs. 100 spent internationally
|Foreign Mark-up Fee is 2.00%|
Earn 4 Reward Points per Rs. 150 spent internationally
|Users get 2 international lounge visits|
Earn 4 Hand-picked Points per Rs. 100 spent internationally