ICICI Bank Rubyx Credit Card – Benefits, Fees & Eligibility

ICICI Bank Rubyx Credit Card

Introduction

The ICICI Bank Rubyx Credit Card is a sub-premium card designed for individuals seeking premium rewards and exclusive lifestyle privileges. Available in Visa, RuPay, Mastercard, and American Express variants, it offers benefits across various categories including travel, shopping, dining, and movies. Cardholders can enjoy discounts on movie tickets, access to airport and railway lounges, comprehensive insurance coverage, and 24x7 concierge services, making it an excellent choice for those looking for an affordable credit card with substantial advantages and high-end lifestyle perks.

Welcome Benefits

• Travel & shopping welcome vouchers worth over ₹5,000, received within 45 days after payment of the joining fee.
• Vouchers include:
  • ₹2,000 from Tata CLiQ.
  • ₹2,000 from EaseMyTrip (2 vouchers of ₹1,000 each).
  • ₹1,095 for EazyDiner Prime Membership (3 months subscription). This membership is valid once per account between July 3, 2025, and June 30, 2026. The coupon code for activation is valid until June 30, 2027.
  • ₹1,000 from Croma (2 vouchers of ₹500 each).
• Get ₹5,000 off on DA MILANO merchandise when you shop for ₹19,999 or more in a single purchase. This offer is valid until December 31, 2025.

Fees

• Joining Fee: ₹3,000 + GST.
• Annual Fee: ₹2,000 + GST.
  • Spend-Based Waiver: The annual fee for the next year can be waived off if you spend ₹3 lakhs or more in the previous year.
• Foreign Currency Markup: 3.5% of the transaction amount.
• Interest Rates: 3.75% per month (equivalent to 45% per annum). This interest rate applies to ATM withdrawals and if only the minimum due is paid.
• Cash Advance Charges: The higher of ₹500 or 2.5% of the amount withdrawn.
• Late Bill Payment: Ranging from ₹100 to ₹1300.
• Rewards Redemption Fee: ₹99 + GST.

Rewards

Reward Points Earning

• Earn 4 Reward Points on every ₹100 spent on international transactions.
• Earn 2 Reward Points on every ₹100 spent on domestic transactions.
• Earn 1 Reward Point on every ₹100 spent on utility and insurance categories.
• Earn from 6x to 12x reward points on iShop.

Milestone Benefits

• Get 3,000 Reward Points on spending ₹3 lakhs in an anniversary year.
• Earn an additional 1,500 Reward Points for every subsequent spend of ₹1 lakh in the same anniversary year, up to a maximum of 15,000 additional Reward Points per year.

Movies & Dining

• Get 25% off (up to ₹150) on movie tickets when booking a minimum of two tickets, twice a month (once each on BookMyShow and INOX, applicable for Mastercard & American Express variants). Any additional bookings beyond the complimentary benefit will be charged as per service provider rates.
• Enjoy dining discounts with the Culinary Treats Programme.

Travel & Lounge Access

• Domestic Airport Lounge Access: Get 2 complimentary domestic airport lounge accesses every quarter.
  • Eligibility: This benefit is unlocked after achieving spends of ₹75,000 or more in the preceding calendar quarter. The access is then available in the following calendar quarter.
  • This benefit is exclusively applicable to the primary cardholder.
• Railway Lounge Access: Get 8 complimentary railway lounge accesses annually, with a maximum of 2 accesses every quarter.
  • This benefit is only available for primary cardholders.
  • Railway lounge access is available at select stations including Delhi, Agra, Jaipur, Ahmedabad, Madurai, and Kolkata (Sealdah).
• International Lounge Access: Not applicable for international lounge access.

Golf

• Get 1 complimentary golf round or lesson for every ₹50,000 spent on retail purchases in the previous calendar month.
• You can avail a maximum of 2 complimentary golf rounds/lessons per month.

Insurance

• Air Accident Insurance: Up to ₹1 Crore Air Accident Insurance cover for the primary cardholder. This benefit applies when the card has been used at least once in the 60 days prior to the event and covers international travel only if tickets were purchased using the credit card. Supplementary cardholders are not eligible.
• Personal Accident Insurance Cover: ₹2 Lakh (for Rupay Variant).
• Fraud Protection: Protected against fraudulent transactions with Counterfeit Card Liability and Account Takeover Cover, safeguarding against unauthorized usage or misuse of personal information.
• Lost Card Liability Protection: Worth ₹50,000.

Lifestyle & Concierge

• 24x7 Concierge Services (i-Assist): Get round-the-clock assistance for:
  • Restaurant reservations.
  • Flower & gift deliveries.
  • Hotel & flight bookings.
  • Car rentals.
  • Movie ticket delivery.
  • Emergency auto assistance.
  • Medical concierge support.
  • To contact the Concierge team: Call toll-free 18002670731 (for MTNL/BSNL lines) or 022-67872016 (standard call charges applicable). For Rupay variant, call 1800-26-78729.

Fuel

• Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at all fuel pumps across India. This benefit applies to both primary and Plus (supplementary) cardholders.

Rewards Redemption Guide

• Reward Points can be redeemed against a wide variety of options such as gift vouchers, product catalogue, travel vouchers, and statement balance.
• The redemption value is 1 Reward Point = ₹0.25.
• Redemption can be done by contacting customer care.
• A Rewards Redemption Fee of ₹99 + GST applies.

Card Eligibility Criteria

Eligibility Rules

• Citizenship: Applicant must be an Indian citizen.
• Age: Between 21 and 65 years.
• Income:
  • Salaried Individuals: A monthly income of ₹75,000 or more.
  • Self-Employed Individuals: An annual income of ₹9,00,000 or more.

Documents Required

• Identity Proof
• Address Proof
• Income Proof
• No physical documents are required if using Digi Locker for verification.

Card Review

The ICICI Bank Rubyx Credit Card stands out as the first dual platinum credit card in India, making it an ideal choice for customers seeking exclusive rewards and a wide array of benefits. Its extensive travel perks, including complimentary railway and airport lounge access, ensure a luxurious experience regardless of the mode of transport. The card's reward points system is versatile, allowing redemption against cash or various gifts. Moreover, the robust insurance benefits, such as the ₹1 crore air accident cover and fraud protection, alongside the 24x7 concierge services, add significant value and convenience.

Pros:

• Offers several useful insurance benefits, including a substantial air accident cover worth ₹1 crore and lost card liability protection worth ₹50,000.
• Movie enthusiasts can enjoy a 25% discount (up to ₹150) on movie bookings on BookMyShow and INOX, twice a month.
• Complimentary lounge access for both domestic airports and railways enhances travel comfort.
• Spend-based annual fee waiver and milestone benefits provide opportunities to save more.

Cons:

• The reward rate of 4 Reward Points per ₹100 for international spends is diminished by the high 3.5% foreign currency markup, making it less ideal for international transactions despite the higher points.
• Domestic airport lounge access requires a significant spend of ₹75,000 or more in the previous quarter, which might be a high threshold for some users to unlock the benefit.

Overall, the ICICI Bank Rubyx Credit Card is an excellent choice for individuals looking for an affordable premium card that offers a blend of travel, lifestyle, and security benefits.

Important Product Details

• Offers travel and shopping vouchers worth over ₹5,000 as a welcome benefit upon payment of the joining fee.
• Provides 25% discount (up to ₹150) on booking a minimum of 2 movie tickets on BookMyShow or INOX, up to twice a month (once with each card variant if applicable).
• Earns 4 Reward Points per ₹100 on international spends, 2 Reward Points per ₹100 on domestic spends, and 1 Reward Point per ₹100 on utility and insurance spends.
• Provides 2 complimentary domestic airport lounge accesses per quarter, contingent on spending ₹75,000 in the previous quarter.
• Includes 8 complimentary railway lounge accesses annually (max 2 per quarter).
• Offers up to 2 complimentary golf rounds/lessons each month, based on eligible spends of ₹50,000 in the previous month.
• Features comprehensive insurance benefits, including ₹1 crore personal air accident cover and lost card liability protection of ₹50,000.
• Provides 24x7 i-Assist concierge services for various lifestyle and emergency needs.
• A 1% fuel surcharge waiver is available on fuel transactions between ₹400 and ₹4,000.
• The annual fee of ₹2,000 + GST can be waived by spending ₹3 lakh or more in the previous year.
• Additional reward points are awarded for achieving specific spend-based milestones (3,000 RPs on ₹3 lakh spend & 1,500 RPs for every additional ₹1 lakh, up to 15,000 RPs annually).
• The card has an embedded microchip for enhanced security against counterfeiting and duplication, requiring a PIN for merchant outlet transactions (not for online).

Other Details

• The ICICI Bank Rubyx Credit Card is available in four variants: Visa, RuPay, Mastercard, and American Express.
• Cardholders can extend benefits to their loved ones with an ICICI Bank Plus Card (supplementary card).
• To check the payment due date, cardholders can refer to their monthly statement, iMobile app, Internet Banking, or call Customer Care on 1800 1080.
• The CVV (Card Verification Value) is a three-digit security code located on the back of the card, next to the signature panel. It can also be checked via iMobile app or Internet Banking.