ICICI Bank Rubyx Credit Card
Lounge Access
Movies
Reward Points
1st Year Fee: ₹3,000* Plus Applicable Taxes
Joining Bonus
Vouchers of Rs. 5,000+ on joining fee payment
Movies
Up to 25% off on BookMyShow and INOX
Lounge Access
Up to 8 domestic airport lounge visits per year
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About ICICI Bank Rubyx Credit Card
ICICI Bank Rubyx Credit Card is an all-rounder card offering benefits like rewards, joining and milestone bonus, movie and dining discount, airport and railway lounge access, golf benefits, and others. These benefits cover some of the major spending categories, like shopping, entertainment, dining and travel. However, the overall value-back is quite dependent on the spending capacity of the cardholder as many of these features come with spend-based conditions.
This card is best-suited for those who are big-spenders and are looking for an ICICI credit card with all-rounder benefits for their domestic travel and lifestyle-related spends. But you should note that the rewards rate offered on card spends leaves much to be desired when compared with that offered by other similar credit cards like SBI Elite, Axis Select and HDFC Regalia Gold. So, the Rubyx cardholders would primarily have to depend on milestone rewards to get a good value-back on their general spends. Read on to know more about ICICI Rubyx features and benefits.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit ICICI Bank’s website.
Rewards Program
ICICI Rubyx credit card users can earn reward points on every Rs. 100 spent:
- 4 reward points on international spends
- 2 reward points on domestic spends
- 1 reward point on utility and insurance spends
Redemption Options
The accrued ICICI reward points are redeemable against multiple categories, like travel, health, beauty, fashion, home appliances, electronics, lifestyle, shopping vouchers, and many more.
Other Features & Benefits
- Welcome Benefit: Vouchers worth Rs. 5,250 from top brands like Croma, Uber, EaseMyTrip, and Tata CLiQ on joining fee payment1
- Lounge Access
- 2 complimentary visits to domestic airport lounges per quarter on reaching Rs. 75,000 quarterly spends
- 8 complimentary visits to railway lounges per year
- Milestone Benefits
- 3,000 reward points on reaching Rs. 3 lakh annual spends
- 1,500 reward points for every additional Rs. 1 lakh spent after reaching Rs. 3 lakh annual spends
- Movie Offer: 25% off, up to Rs. 150, on min. booking of 2 tickets on BookMyShow and INOX, twice per month per platform
- Golf Benefits: 1 free golf round per Rs. 50,000 spent on retail in the previous month (max. 2 per month)
ICICI Rubyx Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 3,000 + Applicable Taxes | ||||||||||||||||||
| Annual Fee | Rs. 2,000 + Applicable Taxes | ||||||||||||||||||
| Finance Charges | 3.75% per month (or 45% per annum) | ||||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get This Card If:
You are a high-spender who can avail spend-based free domestic airport lounge access, annual fee waiver, golf games and milestone benefits
You do not mind a low rewards earning rate and can make good use of the diverse redemption options available
You are looking for a credit card with lifestyle benefits on movies, golf games and dining
Eligibility Criteria:
Age: 21 to 65 years
Min. Income for Salaried: Rs. 75,000 p.m.
Min. Income for Self-Employed: Rs. 9 lakh p.a.
Documents Required: Identity, address & income proofs
Paisabazaar Review
What do we like about this card?
ICICI Rubyx credit card comes with an attractive joining bonus which is worth more than the joining fee in the form of vouchers from some of the top brands, like Croma, EaseMyTrip, Uber and Tata CliQ. It also offers accelerated rewards on international spends and milestone bonus which you can maximise as per your spending capacity without any specific limitations. The fee waiver spending condition is also achievable for most. Movie discounts on two leading platforms, dining offers and free golf games help elevate the lifestyle while still saving on such spends. Cardholders can also make use of complimentary access to both railway as well as airport lounges across India to travel in comfort.
Pros
- Up to Rs. 3,600 savings per year each on movie tickets on BookMyShow and INOX
- Easily achievable spending condition to waive off annual fee
- Up to 8 complimentary visits each to domestic airport lounge and railway lounge every year
- Uncapped reward points earnings with the option to maximise savings through bonus milestone rewards as per your spends
Cons
- Low rewards earning rate for a card in this fee range
- High forex mark-up fee of 3.5% despite offering accelerated rewards on international spends
- Spend-based conditions applicable on benefits like airport lounge access and complimentary golf games
Footnotes
- Voucher values are as follows: 2 Croma vouchers of Rs. 500 each, Rs. 250 Uber voucher, 2 EaseMyTrip vouchers of Rs. 1,000 each, and Rs. 2,000 Tata CliQ voucher.
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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