InterMiles ICICI Bank Rubyx Credit Card – Benefits, Fees & Eligibility

Introduction

The InterMiles ICICI Bank Rubyx Credit Card is a co-branded, mid-range to premium travel credit card issued by ICICI Bank in partnership with intermiles.com. Available in both American Express and Visa variants, it offers exclusive travel benefits, including earning up to 10 InterMiles on every Rs. 100 spent, 5,000 bonus InterMiles as a welcome benefit, and complimentary domestic airport lounge access. Cardholders also enjoy dining discounts through the ICICI Bank Culinary Treats Programme and movie discounts on BookMyShow.

Welcome Benefits

• 5,000 bonus InterMiles.
• Flight discount voucher worth Rs. 500 on booking through intermiles.com.
• Hotel discount voucher worth Rs. 1,000 on booking through intermiles.com.
• These benefits are received within 45 days after successful payment of the joining fee.

Fees

• Joining Fee: Rs. 2,500 + GST
• Annual Fee: Rs. 2,500 + GST
• Spend-Based Waiver: The annual joining/renewal fee is waived off for InterMiles Platinum Tier members.
• Rewards Redemption Fee: Rs. 99 (plus applicable taxes) per redemption request.
• Foreign Currency Markup: 3.5% of the transaction amount.
• Interest Rates: 3.5% per month (42% per annum).
• Fuel Surcharge Waiver: 1% fuel surcharge waiver across all HPCL petrol pumps for a maximum fuel transaction of Rs. 4,000.
• Cash Advance Charges: 2.5% of the amount transacted or Rs. 300 (whichever is higher).
• InterMiles Uncapping Fee: Rs. 7,500 to continue earning InterMiles beyond the 40,000 annual cap.

Rewards

• General Rewards Rate:
  • American Express Variant:
    • 4 InterMiles per Rs. 100 on domestic spends.
    • 5 InterMiles per Rs. 100 on international spends.
    • 8 InterMiles per Rs. 100 on online spends at intermiles.com.
    • 10 InterMiles per Rs. 100 on Etihad Airways revenue ticket booking through intermiles.com.
  • Visa Variant:
    • 3 InterMiles per Rs. 100 on domestic spends.
    • 4 InterMiles per Rs. 100 on international spends.
    • 6 InterMiles per Rs. 100 on online spends at intermiles.com.
    • 7.5 InterMiles per Rs. 100 on Etihad Airways revenue ticket booking through intermiles.com.
  • 1 InterMile per Rs. 100 on insurance and utility spends (for both variants).
• Maximum InterMiles Cap: The maximum number of InterMiles that can be earned through this card is capped at 40,000 InterMiles per year.
• Exclusions: No InterMiles are earned on fuel purchases.
• Movie Benefits: 25% discount (up to Rs. 150) on movie tickets on BookMyShow, applicable twice a month for booking 2 tickets in a single transaction.
• Dining Benefits: Up to 15% discount on dining across hundreds of participating restaurants through the ICICI Bank Culinary Treats Programme.
• Travel Benefits:
  • Accelerated InterMiles on flight bookings through intermiles.com.
  • 2 complimentary domestic airport lounge access each quarter (1 lounge access each through American Express & Visa variant). These benefits are applicable only if a minimum of Rs. 5,000 was spent in the previous quarter.
  • 5% discount on the base fare on booking revenue tickets for Etihad Airways on Economy Class at intermiles.com. The discount is applicable for international flights originating from India only if the payment is made in INR.
• Renewal Benefits:
  • 2,500 bonus InterMiles every year upon card membership renewal.
  • Exclusive flight discount voucher worth Rs. 250 on booking through intermiles.com.
  • Exclusive hotel discount voucher worth Rs. 750 on booking through intermiles.com.
  • Renewal benefits are received within 45 days of realization of the renewal fee.
• Concierge Benefits: Access to ICICI Bank’s 24x7 concierge service, i-Assist, for assistance with hotel/flight bookings, movie ticket bookings, restaurant referrals and table reservations, car rental, flower/gift delivery, medical concierge privileges, and emergency auto assistance.

Rewards Redemption Guide

• InterMiles earned can be redeemed for flight bookings, hotel reservations, shopping vouchers, fuel purchases, etc., on the InterMiles redemption portal.
• A rewards redemption fee of Rs. 99 (plus applicable taxes) applies per redemption request.

Card Eligibility Criteria

• How to Apply:
  • Visit your nearest ICICI Bank branch.
  • Apply online by following these steps:
    • Visit the net banking website of ICICI Bank.
    • Under the section ‘Apply Online,’ choose the option ‘Credit Card.’
    • Fill in all the required details.
    • Choose the card you want to apply for, i.e., InterMiles ICICI Bank Rubyx Credit Card.
    • Complete all the required formalities as instructed by the website.

Card Review

The InterMiles ICICI Bank Rubyx Credit Card is considered an ideal ICICI credit card that provides almost all the benefits one expects from a credit card. With its exciting benefits and reward offers over various categories, it allows customers to save a lot in the form of InterMiles, which can easily be redeemed against flights, hotel bookings, etc., through intermiles.com. The bonus InterMiles received as welcome and renewal benefits are a significant advantage. Other notable features include a fuel surcharge waiver and 24x7 concierge services. This card is highly suitable for frequent travelers, movie enthusiasts, and those who dine out often.

Important Product Details

• Co-branded with InterMiles, offering exclusive travel benefits.
• Available in both American Express and Visa variants.
• Earn up to 10 InterMiles on every Rs. 100 spent with the American Express variant and up to 7.5 InterMiles for every Rs. 100 spent with the Visa variant.
• 5,000 bonus InterMiles as a welcome benefit.
• 2,500 InterMiles as a renewal benefit.
• 2 complimentary domestic airport lounge access every quarter, subject to a minimum spend of Rs. 5,000 in the previous quarter.
• Up to 25% discount (up to Rs. 150) on booking 2 movie tickets in a single transaction on BookMyShow (maximum two times a month).
• Exclusive discounts on dining bills at partner restaurants through the ICICI Bank Culinary Treats Programme.
• 24x7 concierge services (i-Assist) for assistance with hotel/flight bookings, table reservations, flower/gift delivery, and more.
• 1% fuel surcharge waiver across all HPCL petrol pumps for a maximum fuel transaction of Rs. 4,000.
• Annual InterMiles earning is capped at 40,000 InterMiles per year, with an uncapping fee of Rs. 7,500 to earn more.
• No InterMiles are earned on fuel purchases, but 1 InterMile per Rs. 100 is earned on insurance and utility spends.

Other Details

• This card is currently discontinued.
• If the InterMiles ICICI Bank Rubyx Credit Card is lost, you should inform ICICI Bank instantly through their 24x7 customer helpline number.