Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • ICICI Bank Rubyx Credit Card against Fixed Deposit

    The ICICI Bank Rubyx Credit Card Against Fixed Deposit has been has been launched to help you enjoy privileges on lifestyle, entertainment, and leisure activities. You can also earn reward points every time you swipe the credit card. The joining fee of the card is Rs.3,000.

    Key Benefits of Rubyx Credit Card Against Fixed Deposit

    • 2 free rounds of golf at selected courses every month.
    • Enjoy 2 free domestic railway lounge visits per quarter.
    • Receive welcome vouchers worth Rs.5,000 (shopping and travel) when you pay your joining fee.

    Benefits of Rubyx Credit Card Against Fixed Deposit

    Welcome benefits

    • Get welcome vouchers of Rs.5,000 for shopping and travel when you pay the joining fee.

    PAYBACK points benefits

    • Every anniversary year, you receive 15,000 PAYBACK points.

    Golf course benefits

    • Enjoy up to 2 free golf rounds every month.

    *Please note that this will be based on your expenses of the previous month. Visit the bank website to know more.

    Airport and lounge benefits

    • Get 2 free domestic airport lounge visits every quarter.
    • This benefit can be availed if you spend Rs.5,000 or more during a calendar quarter.
    • If you meet the above criteria, you can avail the facility within the next calendar quarter.

    Railway lounge benefits

    • Every quarter, you get 2 free domestic railway lounge visits.

    Entertainment benefits

    • Enjoy a 25% discount up to Rs.150 when you buy a minimum of two movie tickets.
    • You can avail the benefit up to two times every month.
    • You need to book your tickets via any of these websites:

    Dining benefits

    • Get exclusive discounts and offers on dining expenses.
    • Visit to know more.

    Fees and Charges of Rubyx Credit Card Against Fixed Deposit

    Particulars Fee
    Joining fee Rs.3,000
    Annual fee Rs.2,000

    *Your annual fee will be waived off if your expenses cross Rs.3 lakh in the previous year.

    How to Apply for Rubyx Credit Card Against Fixed Deposit

    • In order to get an ICICI Bank Rubyx Credit Card Against Fixed Deposit, you need to have an ICICI Bank fixed deposit account.
    • Please note that the minimum amount for opening a fixed deposit with ICICI Bank is Rs.75,000.
    • The minimum tenure of the fixed deposit should be 180 days.

    Keep in mind that the credit card will not be issued to you if:

    • The fixed deposit is in the name of:
      • Third parties
      • Hindu Undivided Family
      • Partnership firms
      • A society
      • A trust
      • Companies
      • To foreign nationals, minors, Non-resident External (NRE), and Non-resident Ordinary (NRO) individuals.

    FAQs on Rubyx Credit Card Against Fixed Deposit

    1. Who do I contact to redeem my PAYBACK points?

      To redeem your PAYBACK points for cash, you can contact 080-40146444.

    2. Can I redeem my PAYBACK points online?

      Yes, you can visit and redeem your PAYBACK points.

    3. Is the facility of free railway lounge access available for the supplementary card holder?

      No, only the primary cardholder can avail the service.

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