ICICI Bank Rubyx Credit Card

ICICI Bank, which was formed in 1994, has expanded over the market needs, and the ICICI Bank Rubyx Credit Card is a perfect example of the company’s focus on the production of high-quality services. The following is an illustration of the card’s great benefits as well as the efficient competitive advantage that is characteristic of ICICI Bank’s unerring commitment to its valued clientele.

In addition to offering a reward point program, the ICICI Rubyx Credit Card offers comprehensive lifestyle facilities and privileges that include great offers on dining and movie tickets as well as free access to railway and airport lounges as well as free rounds of golf. Besides, it is equipped with comprehensive insurance options for cardholders and a rewards program with milestone awards that make it suitable for users who are looking for both the comfort of the premium card as well as practical value.

ICICI Bank Rubyx Credit Card Features and Benefits

1. Welcome Benefits:
   • Receive travel and shopping vouchers worth ₹5,000 or more upon joining.
2. Milestone Benefits:
   • Earn 3,000 Reward Points on spending ₹3 lakhs in an anniversary year.
   • Additional 1,500 Reward Points for every subsequent ₹1 lakh spent, up to a maximum of 15,000 points annually.
3. Travel Benefits:
   • Enjoy 2 complimentary domestic airport lounge accesses per quarter with the Visa variant.
   • Complimentary railway lounge access across select stations, available twice per quarter.
4. Dining and Entertainment:
   • Avail 25% off on movie tickets booked through BookMyShow or INOX (up to ₹150 discount, max twice a month).
   • Get dining discounts at partner restaurants under the ICICI Bank Culinary Treats Program.
5. Golf Benefits:
   • Enjoy up to 2 complimentary golf lessons or rounds per month based on spending ₹50,000 in the previous month.
6. Insurance Coverage:
   • Complimentary insurance cover, including personal air accident cover up to ₹1 crore and lost card liability protection up to ₹50,000.
7. Fuel Surcharge Waiver:
   • 1% waiver on fuel surcharge for transactions up to ₹4,000 at fuel stations across India.
8. Concierge Services:
   • 24/7 concierge service, i-Assist, for hotel reservations, ticket bookings, and more.
9. Renewal Fee Waiver:
   • The renewal fee of ₹2,000 is waived on spending ₹3 lakhs or more in the previous year.

How To Earn and Redeem ICICI Bank Rubyx Credit Card Reward Points

Earning Reward Points:

1. International Spends:
   • Earn 4 Reward Points for every ₹100 spent on international transactions.
2. Domestic Spends:
   • Earn 2 Reward Points for every ₹100 spent on domestic purchases.
3. Utilities and Insurance:
   • Earn 1 Reward Point for every ₹100 spent on utility bills and insurance payments.

Reward Redemption:

1. Cashback Redemption:
   • To redeem your Reward Points for cashback, call ICICI Bank customer care at 080-40146444.
   • The equivalent cashback will be credited to your account within 7 days of the request.
   • The redemption rate is 1 Reward Point = ₹0.25.
2. Gift Voucher Redemption:
   • Call ICICI Bank customer care at 1860-258-5000 to redeem your points for gift vouchers or other rewards.
   • The selected gift or voucher will be delivered to you within 10 days.
3. Redemption Fee:
   • A fee of ₹99 plus applicable taxes is charged per redemption request.
4. Flexible Options:
   • Reward Points can be redeemed for a variety of options, including cashback, merchandise, and gift vouchers, giving you the flexibility to choose rewards that best suit your needs.

ICICI Bank Rubyx Credit Card Fees and Charges

1. Interest Rate:
   • 3.40% per month (40.8% per annum) on outstanding balances.
2. Cash Advance Charges:
   • 2.5% of the amount withdrawn or ₹300 (whichever is higher).
3. Foreign Currency Markup:
   • 3.5% of the transaction amount for foreign currency transactions.
4. Fuel Surcharge:
   • 1% surcharge waiver on fuel transactions up to ₹4,000 at all fuel stations in India.
5. Rewards Redemption Fee:
   • ₹99 plus applicable taxes per redemption request.

ICICI Bank Rubyx Credit Card Eligibility Criteria

1. Age Requirement:

Salaried Individuals:	21 to 65 years.
Self-Employed Individuals:	21 to 65 years.

2. Income Requirement:

Salaried Individuals:	Monthly income of ₹50,000 or more.
Self-Employed Individuals:	Annual income of ₹5.5 lakhs or more.

Documents Required for ICICI Bank Rubyx Credit Card

Identity Proof	Address Proof
Aadhaar Card	Aadhaar Card
Voter ID	Ration Card
PAN Card	Utility Bill (electricity, water, etc.)
Driving License	PAN Card
Passport	Passport
–	Driving License

Income Proof:

For Salaried Individuals:	Latest salary slips, Form 16, or bank statements.
For Self-Employed Individuals:	Income Tax Returns (ITR), financial statements, or bank statements.

How to Apply for ICICI Rubyx Credit Card

1. Online Application:
   • Visit the ICICI Bank official website.
   • Click on the “Apply Now” button for the Rubyx Credit Card.
   • Fill in the required details and complete the online application form.
   • Upload the necessary documents as per the instructions.
   • Submit your application.
2. Offline Application:
   • Visit your nearest ICICI Bank branch.
   • Request an application form for the Rubyx Credit Card.
   • Complete the form and submit it along with the required documents to the bank staff.
3. Phone Application:
   • Call ICICI Bank’s customer care service to inquire about applying for the Rubyx Credit Card.
   • They may assist you with the application process over the phone or direct you to the nearest branch.

ICICI Rubyx Credit Card Bill Payment

1. Online Banking:
   • Log in to your ICICI Bank internet banking account.
   • Navigate to the “Cards & Loans” section and select your Rubyx Credit Card.
   • Choose the “Pay Credit Card Bill” option and follow the prompts to complete the payment.
2. Mobile App:
   • Open the ICICI Bank iMobile app.
   • Go to the “Cards” section and select your Rubyx Credit Card.
   • Tap on “Pay Bill” and follow the instructions to make the payment.
3. NEFT Transfer:
   • Use your savings account in another bank to pay via NEFT.
   • Enter your credit card number as the account number and use the appropriate IFSC code.
   • Complete the transfer to settle your bill.
4. Payment through Wallets:
   • Use payment apps like Paytm, PhonePe, or Cred.
   • Select the option to pay credit card bills and enter your ICICI Rubyx Credit Card details.
   • Complete the payment process.
5. ATM Payment:
   • Visit any ICICI Bank ATM.
   • Choose the option for “Credit Card Bill Payment” from the menu.
   • Follow the instructions to complete your payment.
6. Branch Visit:
   • Visit your nearest ICICI Bank branch.
   • Provide your credit card details to the bank staff and make the payment directly at the counter.
7. Auto-Debit:
   • Set up an auto-debit facility through ICICI Bank internet banking or mobile app.
   • Choose the amount and date for automatic payment to ensure timely bill settlement.

FAQs