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

InterMiles ICICI Bank Rubyx Credit Card

Introduction

The InterMiles ICICI Bank Rubyx Credit Card is a co-branded travel-centric credit card offered in partnership with intermiles.com, available in both American Express and Visa variants. This card is designed to provide exclusive travel benefits, including accelerated InterMiles earnings, complimentary domestic airport lounge access, and attractive discounts on movie tickets and dining. Cardholders can earn up to 10 InterMiles for every Rs. 100 spent and are welcomed with 5,000 bonus InterMiles upon successful payment of the joining fee. It also offers renewal benefits and a fuel surcharge waiver, making it a comprehensive choice for frequent travelers and those seeking lifestyle perks.

Welcome Benefits

• Receive 5,000 bonus InterMiles as a welcome gift.
• Get a flight discount voucher worth Rs. 500 applicable on bookings made through intermiles.com.
• Receive a hotel discount voucher worth Rs. 1,000 applicable on bookings made through intermiles.com.
• These welcome benefits are provided within 45 days after the successful payment of the joining fee.

Fees

• Joining Fee: Rs. 2,500 + GST
• Renewal 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: 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 if you wish to earn more than the annual cap of 40,000 InterMiles.

Rewards

• Reward Rate on Spends (InterMiles per Rs. 100 spent):
  • American Express Variant:
    • Domestic Spends: 4 InterMiles
    • International Spends: 5 InterMiles
    • Online Spends (at intermiles.com): 8 InterMiles
    • Etihad Airways revenue ticket booking through intermiles.com: 10 InterMiles
  • Visa Variant:
    • Domestic Spends: 3 InterMiles
    • International Spends: 4 InterMiles
    • Online Spends (at intermiles.com): 6 InterMiles
    • Etihad Airways revenue ticket booking through intermiles.com: 7.5 InterMiles
• You do not earn any InterMiles on fuel purchases (referencing one statement).
• You earn 1 InterMile per Rs. 100 on fuel and utility spends (referencing another statement, implying base rate).
• Reward Cap: The maximum number of InterMiles you can earn through this card is capped at 40,000 InterMiles per year.
• Uncapping InterMiles: To earn more than 40,000 InterMiles in a year, you need to pay an uncapping fee of Rs. 7,500.
• Movies: 25% discount (up to Rs. 150) on movie tickets when booking 2 tickets in a single transaction on BookMyShow, available up to two times a month.
• Dining: Up to 15% discount on dining across hundreds of participating restaurants through the ICICI Bank Culinary Treats Programme.
• Travel (Domestic Lounge Access):
  • Receive 2 complimentary domestic airport lounge accesses each quarter.
  • This includes 1 lounge access through the American Express variant and 1 through the Visa variant.
  • These benefits are applicable only if a minimum of Rs. 5,000 was spent in the previous quarter.
• Travel (Etihad Airways Discount): Get a 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, provided the payment is made in INR.
• Renewal Benefits:
  • Receive 2,500 bonus InterMiles every year upon card membership renewal.
  • Get an exclusive flight discount voucher worth Rs. 250 on bookings through intermiles.com.
  • Receive an exclusive hotel discount voucher worth Rs. 750 on bookings through intermiles.com.
  • These renewal benefits are received within 45 days of the realization of the renewal fee.
• Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver across all HPCL petrol pumps for fuel transactions up to Rs. 4,000.

Rewards Redemption Guide

• InterMiles earned using your InterMiles ICICI Bank Rubyx Credit Card can be easily redeemed for various options.
• Redemption options include flight bookings, hotel reservations, shopping vouchers, and fuel purchases.
• All redemptions are processed through the dedicated InterMiles redemption portal (intermiles.com).

Card Review

The InterMiles ICICI Bank Rubyx Credit Card is considered an excellent choice for individuals who frequently travel, enjoy dining out, and often visit movies. With its strong focus on travel benefits through InterMiles, including bonus InterMiles on welcome and renewal, accelerated earnings on flight bookings, and complimentary lounge access, it offers significant value for frequent travelers. The added perks of movie and dining discounts, alongside a fuel surcharge waiver and 24x7 concierge services, make it a well-rounded card for a lifestyle of convenience and savings. It is particularly suitable for those who can maximize InterMiles redemptions for flights and hotel bookings.

Important Product Details

• Dual credit card available in American Express & Visa variants.
• Earn up to 10 InterMiles on every Rs. 100 spent, with varying rates for domestic, international, and online spends on intermiles.com.
• Welcome benefits include 5,000 bonus InterMiles, a flight discount voucher worth Rs. 500, and a hotel discount voucher worth Rs. 1,000.
• Renewal benefits include 2,500 bonus InterMiles, a flight discount voucher worth Rs. 250, and a hotel discount voucher worth Rs. 750 annually.
• Enjoy 2 complimentary domestic airport lounge accesses every quarter upon spending Rs. 5,000 or more in the previous quarter.
• Get a 25% discount (up to Rs. 150) on movie tickets twice a month on BookMyShow.
• Avail up to 15% discount on dining through the ICICI Bank Culinary Treats Programme.
• A 1% fuel surcharge waiver is provided at all HPCL petrol pumps for transactions up to Rs. 4,000.
• The annual InterMiles earning is capped at 40,000, with an option to remove the cap by paying Rs. 7,500.
• Fees include a joining and renewal fee of Rs. 2,500 + GST, a rewards redemption fee of Rs. 99 + taxes, and a foreign currency markup of 3.5%.

Other Details

• Concierge Services: Access to ICICI Bank’s 24x7 concierge service, i-Assist, for assistance with:
  • Hotel reservations
  • Flight ticket bookings
  • Movie ticket bookings
  • Restaurant referrals and table reservations
  • Car rental services
  • Flower and gift delivery
  • Medical concierge privileges
  • Emergency auto assistance
• How To Apply:
  • Visit your nearest ICICI Bank branch.
  • Apply online by visiting the net banking website of ICICI Bank, choosing 'Credit Card' under the 'Apply Online' section, filling in the required details, selecting the InterMiles ICICI Bank Rubyx Credit Card, and completing the formalities.
• Lost Card Information: In case of a lost card, inform ICICI Bank instantly through their 24x7 customer helpline number.