- Joining fee
₹3,000 + GST
- Annual fee
₹2,000 + GST
- Best suited for
Travel, Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
4 RPs/₹100 on International Spends, 2 RPs/₹100 on Domestic Spends and 1 RP/₹100 Spent on Insurance and Utilities
- Welcome benefits
TataCliQ Voucher Worth ₹2,000, EaseMyTrip Vouchers Worth ₹2,000, Croma Vouchers Worth ₹1,000, and EazyDiner 3-Month Prime Membership
- Reward redemption
Redeem Points for Vouchers and More. 1 Reward Point = ₹0.25
Benefits
- Movie & dining
25% Discount Up to ₹150 on Movie Bookings Made With BookMyShow and INOX (Twice Each Month)
- Travel
8 Free Railway Lounge Visits Each Year
- Domestic lounge
2 Airport Lounge Visits Each Quarter on Spends of ₹75,000 or More in the Previous Quarter
- Golf
Up to 2 Complimentary Golf Lessons/Rounds Each Month (Spend Based)
- Insurance
Personal Air Accident Cover Worth ₹1 Crore and Several Other Travel Insurances
Fees & charges
- Spend-based waiver
Spend ₹3 Lakh or More Each Year to Waive Annual Charges
- Rewards redemption fee
₹99 + GST
- Foreign currency markup
3.5%
- Interest rates
3.75% Per Month (45% Per Annum)
- Fuel surcharge waiver
1% Waiver on Fuel Spends Between ₹400 and ₹4,000
- Cash advance charges
Higher of ₹500 or 2.5% of the Amount Withdrawn
Product highlights
- 2 Reward Points/₹100 spent domestically & 4 Reward Points/₹100 spent internationally.
- 1 Reward Point on every ₹100 spent on utilities and insurance categories
- Travel and shopping vouchers worth over ₹5,000 as a welcome benefit.
- 25% discount (up to ₹150) on booking a minimum of 2 movie tickets in a single transaction on BookMyShow or Inox (max 2 times in a month- once with each variant).
- Exciting discount offers on dining with the ICICI Bank Culinary Treats Program.
- Exclusive insurance benefits including a personal air accident cover worth ₹1 crore and lost card liability protection worth ₹50,000.
- 24*7 concierge service i-Assist for hotel reservations, flight/movie ticket bookings, gift delivery assistance, etc.
- Spends-based renewal fee waiver on the expenditure of ₹3 lakh in the previous year.
- Additional reward points will be awarded for achieving the stipulated spend-based milestones.
Pros & cons
Pros
- This card offers several useful insurance benefits, including air accident cover worth ₹1 crore.
- Moviegoers can easily take advantage of the Buy One Get One offers on BookMyShow and INOX.
Cons
- In terms of the reward rate, this card doesn’t offer anything special, especially considering that it offers 4 Reward Points/₹100 for international spends, but there is no lower forex charge.
- Airport lounge access offered with this card can only be unlocked after making high spends of ₹75,000 each quarter.
FAQs
How many total railway lounge accesses do I get each quarter through the ICICI Bank Rubyx credit card?
Cardholders shall be eligible for eight complimentary railway lounge accesses each year, a maximum of two every quarter.
What is the Renewal fee for this card?
The renewal fee of the ICICI Rubyx Credit Card is ₹2,000 + GST.
Does this card provide any welcome benefits?
Yes, the ICICI Bank Rubyx Card offers a welcome benefit of travel & shopping vouchers worth ₹5,000, which you receive within 45 days after paying the joining fee.
What is the interest rate on this card?
The interest rate on the ICICI Rubyx Credit Card is 3.75% per month.
Does this card provide insurance coverage for air accidents?
Yes, this card provides an air accident cover worth ₹1 Crore.
Is the ICICI Rubyx Credit Card free?
No, the ICICI Rubyx Credit Card is not free. It comes with a joining fee of ₹3,000 and an annual fee of ₹2,000 plus applicable taxes.
How do I redeem my Rubyx Credit card reward points?
The Reward Points you earn using this credit card can be redeemed against the card’s statement balance or gifts at a rate of 1 Point = ₹0.25. The redemption can be done by contacting customer care.