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ICICI Bank Rubyx Credit Card – Dual Network Credit Card

Home Credit Card ICICI ICICI Bank Rubyx Visa Credit Card

ICICI Bank Rubyx Credit Card is India’s first dual platinum credit card that comes in two network variants- Visa and Mastercard. Basically you get two credit cards with one account. This premium card  comes with an annual fee of Rs. 2,000 and is best suited for frequent travelers. The card offers a wide range of benefits that are specifically targeted at big spenders. Here is everything you need to know about the card in detail.

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Updated: 13-11-2024 07:44:43 AM

Key Highlights of ICICI Bank Rubyx Credit Card
ICICI Rubyx Credit Card
Joining Fee Rs. 3,000
Annual Fee Rs. 2,000 (waived off on spending more than Rs. 3 lakh in the previous year)
Best Suited For Travel and Shopping
Minimum Income Required Rs. 50,000 per month (for salaried)
Rs. 75,000 per month (for self-employed)
Paisabazaar Rating ★★★ (3.5/5)
Welcome Benefits Shopping and Travel vouchers worth Rs. 5,000+ on payment of joining fee

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On this page
ICICI Bank Visa Rubyx Credit Card- Features and Benefits
ICICI Bank Rubyx Credit Card- Fees and Charges
ICICI Bank Rubyx Credit Card- Eligibility and Documentation
Should you get ICICI Bank Rubyx Credit Card?
Cards Similar to ICICI Rubyx Credit Card
Frequently Asked Questions (FAQs)

ICICI Bank Visa Rubyx Credit Card- Features and Benefits

Welcome Vouchers worth Rs. 5,000+

ICICI Bank Rubyx Credit Card charges an annual fee of Rs. 2,000 but returns more than the said amount in the form of welcome vouchers. 

  • You will get welcome vouchers for Shopping and Travel worth Rs. 5,000+ on payment of the joining fee (Rs. 3,000) of the card

The different vouchers available as welcome gifts are as follows-

Brand Voucher Amount
TataCliQ Rs. 2,000
EaseMyTrip Voucher Rs. 2,000 (Two vouchers worth Rs. 1,000 each)
Uber Rs. 250
Central Brand Rs. 1,000 (Two vouchers worth Rs. 500)
Croma Rs. 1,000

Click here to know more about the vouchers in detail and how you can redeem them.

Reward Points on all your transactions
Up to 4 Reward Points on every Rs. 100 spent

ICICI Bank Rubyx Credit Card lets you earn rewards points on all your transactions. You can redeem your reward points against many options available including movie and travel vouchers to lifestyle products, mobiles, appliances, and more. The points are given in the following manner-

Category Reward Points per Rs.100
Domestic Spends 2
International Spends 4
Insurance & Utilities, including government transactions
 1

Note: From 5 Feb 2024, rent pay and e-wallet loading transactions will not accrue any reward points.

Important Points to Note:

  • You have the option to redeem the accumulated point for a selection of gifts available or cash
  • Each reward point is equivalent to Rs. 0.25 when redeemed for cash
Milestone Rewards Program

Under the newly launched ICICI Bank Milestone Rewards Program, you get-

  • 3,000 reward points on spending Rs.3 lakh on your cards and 
  • 1,500 reward points each time you cross Rs.1 lakh spend in an anniversary year

Under this program, you get a maximum of 15,000 reward points per year. This facility is one of the best ones provided by the card.

Also Read: Best Rewards Credit Cards in India

Exclusive Entertainment Privileges

The card offers decent entertainment benefits via BookMyShow and INOX. The good thing about the benefit is that it is not restricted to only one platform as is the case with the majority of the cards. 

  • With your ICICI Bank Rubyx Credit Card, you will get a 25% discount (up to Rs. 250) on the purchase of minimum 2 tickets per transaction on BookMyShow or INOX
  • The offer can be availed two times in a month
  • Successful booking is on first-come, first-serve basis and is subject to daily stock availability
Travel Benefits (airport lounge, railway lounge, and golf)

The card provides you with varied travel benefits. Here are the different sets of travel benefits you get with the card-

Airport Lounge Access

Get 2 complimentary airport lounge access per quarter (one on each variant) by spending a minimum of Rs 5,000 or above in a calendar quarter on the card to avail this facility in the next calendar quarter. Over and above the allowed number of complimentary visits, each subsequent visit will be charged as per rates applicable to each lounge service provider. 

Railway Lounge Access

Get 2 complimentary railway lounge visits per quarter. Access to railway lounges will be applicable only for primary cardholders.

Complimentary Rounds of Golf
  • Get a complimentary Golf Round / Lesson for every Rs. 50,000 retail spends in the previous calendar month (maximum of up to 2 rounds every month)
  • To book your game Simply visit www.teetimes.golftripz.com and create a Golftripz account using the same email ID as registered with ICICI Bank Credit Cards
  • The complimentary round of golf will be visible in your Golftripz account after the 10th day of the next month
  • This will be available for you to play anytime in the next 2 months
  • Explore available tee time slots at leisure and make your preferred booking and track all your bookings online
Other Benefits of ICICI Bank Rubyx Credit Card

Following mentioned are other significant benefits of ICICI Bank Rubyx Credit Card-

  • Save a minimum of 15% on your dining bills at participating restaurants
  •  24×7 premium concierge services to take care of all your needs from travel bookings to delivering movie tickets at your doorstep
  • Air accident insurance cover of Rs.1 crore
  • Lost card liability of Rs.50,000 that includes loss up to 2 days prior to reporting the same (For details on the insurance cover)
  • 1% fuel surcharge waived off on fuel transactions at any fuel outlet
Checkout other Travel Credit Cards

ICICI Bank Rubyx Credit Card- Fees and Charges

Fees / Charges Amount
Joining Fee Rs. 3,000
Annual Fee Rs. 2,000 (waived off on spending more than Rs. 3 lakh in the previous year)
Finance Charges 3.40% per month / 40.80% p.a.
Late Payment Fee For Statement Balance:

  • Below Rs. 100: Nil
  • Between Rs. 100 to Rs. 500: Rs. 100
  • Between Rs. 501 to Rs. 5,000: Rs. 500
  • Between Rs. 5,001 to Rs. 10,000: Rs. 750
  • Between Rs. 10,001 to Rs. 25,000: Rs. 900
  • Between Rs. 25,001 to Rs. 50,000: Rs. 1,000
  • Above Rs. 50,000: Rs. 1,200

Click here to check other fees and charges applicable on ICICI Rubyx Credit Card

ICICI Bank Rubyx Credit Card- Eligibility and Documentation

Criteria Details
Occupation Salaried or Self-employed
Minimum Income for Salaried Rs. 50,000 per month
Minimum Income for Self-Employed Rs. 75,000 per month
Serviceable Cities Click here for the list of eligible cities
Documents Required Click here for the list of acceptable documents

Should you get ICICI Bank Rubyx Credit Card?

ICICI Bank Rubyx Credit Card is a decent option for frequent travelers, specifically those interested in airport and railway lounge access. However, this is definitely not the card to be picked for  reward benefits as the average rate stands quite low

Additionally, the card offers decent movie benefits. With both BookMyShow and INOX, you will get a 25% discount (up to Rs. 250) on purchase of minimum 2 tickets per transaction.  

Overall, this is a decent choice for frequent travelers as well as for users who spend a lot overseas. However, the card offers lower reward rates when compared to other cards of the same category.

PROS CONS
  • The card offers both airport and railway lounge access facility
  • 25% discount on movie ticket bookings via both BookMyShow and INOX
  • Rs. 2,000 annual fee can be waived with annual spends of Rs. 3 lakh
  • Joining fee of Rs. 3,000 might be too high
  • Low reward rate of 0.25% on utility bill payment and insurance spending
  • No memberships offered like Priority Pass, Club Vistara etc.

Cards Similar to ICICI Rubyx Credit Card

If you are a frequent traveller and specifically looking for a travel credit card, here are some decent alternatives for you-

Air India SBI Signature Credit Card

air-india-sbi-signature-credit-cards
3.5/5

Joining fee: ₹4999

Annual/Renewal Fee: ₹4999

20,000 reward points and complimentary Air India Frequent Flyer program membership as welcome benefits

Up to 1 Lakh bonus reward points as milestone benefit every year

Travel
Co-branded
Check Eligibility

Product Details

  • Up to 30 reward points for every Rs. 100 spent on Air India
  • Redeem reward points at a value of 1 Reward Point = 1 Air Mile
  • 5,000 bonus reward points every year on card renewal
  • 8 complimentary domestic lounge access every year
  • Complimentary Priority Pass Membership
Know More

SBI Elite Credit Card

sbi-elite-credit-card
3.5/5

Joining fee: ₹4999

Annual/Renewal Fee: ₹4999

5X reward points on dining, grocery and departmental store spends

Complimentary Priority Pass membership

Lounge Access
Movies
Reward Points
Check Eligibility

Product Details

  • 2 reward points per Rs. 100 spent on other categories
  • Up to 50,000 bonus reward points as milestone benefits
  • 6 complimentary international lounge access in a year; 1.99% forex mark-up fee
  • Up to 8 complimentary domestic lounge access per year, 2 per quarter
  • Free movie tickets worth Rs. 6,000 in a year
Know More

Axis Bank SELECT Credit Card

select-credit-card
4/5

Joining fee: ₹3000

Annual/Renewal Fee: ₹3000

2X EDGE Reward Points acrosss all retail transactions

10,000 EDGE Reward Points worth Rs. 2,000 as welcome benefit

Travel
Shopping
Reward Points
Check Eligibility

Product Details

  • 10 EDGE Reward Points on every Rs. 200 spent
  • Flat Rs. 500 off per month on BigBasket on minimum spend of Rs. 3,000
  • Rs. 200 off on Swiggy, twice a month, on minimum spend of Rs. 1,000
  • Up to 12 complimentary international lounge visits in a year & 2 domestic lounge visits per quarter
  • Up to 12 complimentary golf rounds in a year
Know More

HDFC Regalia Gold Credit Card

hdfc-regalia-gold-credit-card
4/5

Joining fee: ₹2500

Annual/Renewal Fee: ₹2500

5X reward points on Nykaa, Myntra, Marks & Spencer and Reliance Digital

4 reward points per Rs. 150 across all retail spends

Travel
Shopping
Reward Points
Check Eligibility

Product Details

  • Complimentary Swiggy One & MMT Black Elite Memberships
  • Gift voucher worth Rs. 2,500 on the payment of joining fee
  • 6 complimentary international lounge visits & 12 complimentary domestic airport lounge visits per year
  • Marks & Spencer, Reliance Digital, Myntra or Marriott vouchers worth Rs. 1,500 on Rs. 1.5 Lakh quarterly spends
  • Flight vouchers worth Rs. 5,000 on annual spends of Rs. 5 Lakh
Know More

Frequently Asked Questions (FAQs)

How can I track my credit card status?

You can check the application status of your ICICI Bank Rubyx credit card by visiting the website. Detailed steps are given here.

When will I be charged the foreign transaction mark-up fee on the ICICI Bank Rubyx credit card?

The fee of 3.50% will be charged on all international retail and online transactions. It will also be applied when the card is used at those POS machines which are registered in the international territory; like the POS machines at duty-free shops.

 How can I earn and redeem reward points on the card?

All eligible spends, shopping, movie ticket bookings, and dining spends earn the user reward points. These points can be redeemed against items in the rewards catalogue.

ICICI Bank Rubyx Visa Credit Card can also be applied through the Bank’s website or by visiting the nearest ICICI Bank Branch.

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