ICICI Bank Rubyx Credit Card

9
Expert ScoreRead review
  • 2 Reward Points per domestic spend of Rs. 100 & 4 Reward Points per international spend of Rs. 100.
  • 1 Reward Point on every Rs. 100 spent on utilities and insurance categories
  • Travel and shopping vouchers worth over Rs. 5,000 as a welcome benefit.
  • 25% discount (up to Rs. 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 ICICI Bank Culinary Treats Program.
  • 2 complimentary railway lounge access with each of the MasterCard and American Express variants (total 4 railway lounge access) per quarter.
  • 2 complimentary domestic airport lounge access (1 with each of MasterCard and AmEx variants) per quarter on minimum spends of Rs. 5,000 in the previous quarter.
  • 1 complimentary golf lesson/round every month per Rs. 50,000 spent in the previous month (max 2 rounds/lessons in a month).
  • Exclusive insurance benefits including a personal air accident cover worth Rs. 1 crore and lost card liability protection worth Rs. 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 Rs. 3 lakh in the previous year.
  • Additional Reward Points on achieving the stipulated spends based milestones.

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ICICI Bank Rubyx Credit Card

9
Expert ScoreRead review
  • 2 Reward Points per domestic spend of Rs. 100 & 4 Reward Points per international spend of Rs. 100.
  • 1 Reward Point on every Rs. 100 spent on utilities and insurance categories
  • Travel and shopping vouchers worth over Rs. 5,000 as a welcome benefit.
  • 25% discount (up to Rs. 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 ICICI Bank Culinary Treats Program.
  • 2 complimentary railway lounge access with each of the MasterCard and American Express variants (total 4 railway lounge access) per quarter.
  • 2 complimentary domestic airport lounge access (1 with each of MasterCard and AmEx variants) per quarter on minimum spends of Rs. 5,000 in the previous quarter.
  • 1 complimentary golf lesson/round every month per Rs. 50,000 spent in the previous month (max 2 rounds/lessons in a month).
  • Exclusive insurance benefits including a personal air accident cover worth Rs. 1 crore and lost card liability protection worth Rs. 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 Rs. 3 lakh in the previous year.
  • Additional Reward Points on achieving the stipulated spends based milestones.
Category:
Reward Type
Reward Points
Renewal Fee
Rs. 2,000 + GST
Joining Fee
Rs. 3,000 + GST
Type of Card
Reward
Welcome Benefits
Travel & Shopping Vouchers Worth Rs. 5,000

USP of Card

  • 2 Reward Points per domestic spend of Rs. 100 & 4 Reward Points per international spend of Rs. 100.
  • 1 Reward Point on every Rs. 100 spent on utilities and insurance categories
  • Travel and shopping vouchers worth over Rs. 5,000 as a welcome benefit.
  • 25% discount (up to Rs. 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 ICICI Bank Culinary Treats Program.
  • 2 complimentary railway lounge access with each of the MasterCard and American Express variants (total 4 railway lounge access) per quarter.
  • 2 complimentary domestic airport lounge access (1 with each of MasterCard and AmEx variants) per quarter on minimum spends of Rs. 5,000 in the previous quarter.
  • 1 complimentary golf lesson/round every month per Rs. 50,000 spent in the previous month (max 2 rounds/lessons in a month).
  • Exclusive insurance benefits including a personal air accident cover worth Rs. 1 crore and lost card liability protection worth Rs. 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 Rs. 3 lakh in the previous year.
  • Additional Reward Points on achieving the stipulated spends based milestones.

Fees & Charges

Spend Based Waiver
Renewal Fee is waived off on spending Rs. 3 lakhs or more in an anniversary year.
Interest Rates
3.40% per month (or 40.8% annually)
Cash Advance Charges
3.5% of the transaction amount
Rewards Redemption Fee
Rs. 99 (plus applicable taxes) per redemption request
Fuel Surcharge
1% fuel surcharge is waived off for all fuel transactions up to Rs. 4,000 across all fuel stations in India.
Foreign Currency Markup
2.5% of the amount withdrawn or Rs. 300 (whichever is higher)
Late Payment Fee
-
Add-on Card Fee
Nil

Rewards & Benifit

Movie & Dining offers
25% discount on movie ticket bookings (min 2 per transaction and max 2 tines in a month) on BookMyShow and INOX (max discount capped at Rs. 150), discount on dining bills
Reward Redemption
The reward points can be redeemed for gift vouchers or cashback at a rate of 1 Reward Point = Re. 0.25
Zero Liability Protection
Cardmember shall not be liable for any fraudulent transactions done on the card once the loss of card is reported to the bank.
Rewards Rate
4 Reward Points on every international spend of Rs. 100, 2 Reward Points on domestic spends & 1 Reward Point on every Rs. 100 spent on utilities and insurance categories.
Travel
2 complimentary railway lounge access per quarter
Online Shopping offers
NA
Insurance Benefits
Complimentary insurance covers against air accidents, plane hijacking, lost baggage, delayed baggage, lost card, lost travel documents, credit shield, etc.
Domestic Lounge Access
1 complimentary domestic airport lounge access per quarter (MasterCard variant) and two 2 domestic airport lounge access per quarter on the Visa variant
International Lounge Access
NA
9Expert Score
  • 2 Reward Points per domestic spend of Rs. 100 & 4 Reward Points per international spend of Rs. 100.
  • 1 Reward Point on every Rs. 100 spent on utilities and insurance categories
  • Travel and shopping vouchers worth over Rs. 5,000 as a welcome benefit.
  • 25% discount (up to Rs. 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 ICICI Bank Culinary Treats Program.
  • 2 complimentary railway lounge access with each of the MasterCard and American Express variants (total 4 railway lounge access) per quarter.
  • 2 complimentary domestic airport lounge access (1 with each of MasterCard and AmEx variants) per quarter on minimum spends of Rs. 5,000 in the previous quarter.
  • 1 complimentary golf lesson/round every month per Rs. 50,000 spent in the previous month (max 2 rounds/lessons in a month).
  • Exclusive insurance benefits including a personal air accident cover worth Rs. 1 crore and lost card liability protection worth Rs. 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 Rs. 3 lakh in the previous year.
  • Additional Reward Points on achieving the stipulated spends based milestones.
Best values score
9
9Expert Score
  • 2 Reward Points per domestic spend of Rs. 100 & 4 Reward Points per international spend of Rs. 100.
  • 1 Reward Point on every Rs. 100 spent on utilities and insurance categories
  • Travel and shopping vouchers worth over Rs. 5,000 as a welcome benefit.
  • 25% discount (up to Rs. 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 ICICI Bank Culinary Treats Program.
  • 2 complimentary railway lounge access with each of the MasterCard and American Express variants (total 4 railway lounge access) per quarter.
  • 2 complimentary domestic airport lounge access (1 with each of MasterCard and AmEx variants) per quarter on minimum spends of Rs. 5,000 in the previous quarter.
  • 1 complimentary golf lesson/round every month per Rs. 50,000 spent in the previous month (max 2 rounds/lessons in a month).
  • Exclusive insurance benefits including a personal air accident cover worth Rs. 1 crore and lost card liability protection worth Rs. 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 Rs. 3 lakh in the previous year.
  • Additional Reward Points on achieving the stipulated spends based milestones.
Best values score
9

Specification: ICICI Bank Rubyx Credit Card

Bank Name

ICICI Bank

Type of Credit Card

Joining Fees

Renewal fees

Best Suited for

Reward Type

Welcome Benifits

Movie & Dining Offers

Travel Offers

online shopping offers

Reward redemption

Reward Rate

Domestic Lounge Access

International lounge access

Insurance Benifits

Zero liability protection

Spend based waiver

Reward redemption charges

Foreign currency markup Charges

Interest Charges

Fuel Surcharges

Cash advance charges

Interest Free credit periods

Add on card fee

ELIGIBILITY CRITERIA

Late Payment Fee

Partner Discounts

Reward offer savings

USP of Card

BestValue Score

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ICICI Bank Rubyx Credit Card
ICICI Bank Rubyx Credit Card

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