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

    • ICICI Bank Credit Card
      "Convenient for shopping"
      0.5 4.0/5 "Great!"
      ICICI credit card billing option is very good they are giving 45 days of time to make the payment. Grace period duration is good. But ICICI credit limit is not good and it is not sufficient and we don't have option to make payment from one card to one card, that has to be improved.
      Was this review helpful? 0
      , hosur
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      ICICI bank is also very good for the credit card services. They offered good features on the card and I have a lot of benefits if I use ICICI credit card. Reward points and cash back offers are default feature on the card. Moreover, their overall service is too good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Good to Hold this card"
      0.5 4.0/5 "Great!"
      Specialty about my Ferrari Platinum credit card has good reward points compared to any other cards, I used to get points for every transactions. I think 1 points - 25 paise its good, this card help me on my needs. I am using this credit card for past two years I got many offers in movie tickets like buy one get one free along with that I used to get payback points, I could redeem for mobile recharge.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      For the past 4 months I hold ICICI Coral credit card. Also the reward points scheme is very much available on this card. I am very much happy with the credit limit which is allocated on my card. I use this card primarily for making payments like Rent, net , bill payment etc. Overall I am completely satisfied using ICICI Coral credit card service.
      Was this review helpful? 0
      , chennai
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Nice features and services"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for a credit card and the services and response has been really good because the offers they provide on the card is useful and the credit limit is also good enough for me. Till date it has been a smooth sail from the offers to the statements.
      Was this review helpful? 0
      , pune
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Needs to be improved"
      0.5 2.0/5 "Expected more"
      The annual fee for the credit card is 499 for ICICI card. But the fee is depends on the usage, If I spend more amount within the period then the fee will be waived off for the year. I do not have cash back offers. Also the reward points are good for nothing, I am not able to redeem those reward points. I approached their customer service for the redeemption of reward points, I did not receive response from them. Also they used to provide some offer while availing the card, but the offer has certain limit of period. If we are not utilizing the offer in the period then it will be expired. This information is not been provided to me when I was taking a card. No one from the bank providing complete information to the customers. It would be good if the bank helps me to redeem all the reward points.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      ICICI fee and charges is best compared to SBI credit card, I am using ICICI Coral International credit card it has annual charges of Rs.500. But they giving special discounts on flight ticket, movie tickets, shopping malls etc and they provided insurance along with the credit card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Its convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI Platinum chip master card, I am using it for one year there is no charges for it, its a life time free credit card. They offered the credit limit of 80,000 its good. They used to give cash back for few shopping and I have tie up with them.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Good credit card"
      0.5 5.0/5 "Blown Away!"
      ICICI giving best service on credit card, I am using this credit card for past one year, its a life time free credit card without any annual charges. My credit limit is low they offered only Rs.25,000, ICICI credit card bill is clear without any hidden charges.
      Was this review helpful? 0
      , kanchipuram
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI Ferrari credit card, there was no charges for it. I used to get discounts on movie ticket, fuel surcharges etc. I have accumulated 5000 reward points, I could convert those points into voucher and do the shopping its really good.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I had taken a credit card from ICICI bank which is free from annual fees. I used to receive reward points and cash back offers from the bank regularly. I did not face any issues for my credit card till date. The customer service is good with ICICI.
      Was this review helpful? 0
      , meerut
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Fast Service"
      0.5 5.0/5 "Blown Away!"
      I applied for the credit card online with ICICI bank. But I did not receive the card as they rejected my application due to certain norms. But the response was good from the bank. The executives of ICICI bank are so fast in providing the services to the customers.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Need improvement on the payment method"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with ICICI bank and the major drawback is they do not have an option online where I am unable to make my payments from another bank debit card. If I got to the branch to pay by cash, I am charged 100 to 200 more. If I pay by cheque the payments reflects only after three to four days.
      Was this review helpful? 1
      , mumbai
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Need to be customer centric"
      0.5 1.0/5 "Really Bad"
      The time I have approached for the ICICI bank Rubyx credit card , the executive came and collected the documents and after 20days the card has disbursed but I have recieved ICICI Coral visa card. Then again I have reached customer service and returned the coral card. ICICI need to give proper service to the customers . They have charged me for the joining fee and the annual fee with this card but later on they have waived off all the charges.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      Holding an ICICI Bank coral Visa Credit card for past 2 years, this card has the benefits like reward points, cash back offers and fuel surcharge waiver with this card. I am happy with the ICICI credit limit. I pay the credit bill through the mobile application which is very easy to do.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Wonderful "
      0.5 4.0/5 "Great!"
      I am having the ICICI bank credit card and am using it from the last five years of time. Customer service is good one with them and the offers are kind of nominal only, also there were nil offers sometimes. Bills and the payments are clear with the ICICI bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Think twice before you get"
      0.5 3.0/5 "Satisfactory"
      From the last five years of time, I do have ICICI bank credit card and the services are not bad with them. Offers are nil with them and the annual charges are free of cost. I would like to suggest that they can make the bookings to be get in vast order to satisfy the order as per the commitment as Buy one Get one in Bookmyshow.com.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "High Charges"
      0.5 4.0/5 "Great!"
      Actually I closed ICICI credit card recently. When I was using the credit card I felt that they were charging more unnecessarily. They used to collect double the charges on cheque bounce and late payment. So I am not comfortable with ICICI.
      Was this review helpful? 0
      , salem
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      The credit card of ICICI Bank has all the basic features and offers like other banks. The customer services are excellent as they do not delay in giving me any information either through email or on phone as well. Even I am also getting the statements for my card on time and it is very much satisfactory.
      Was this review helpful? 0
      , jalgaon
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Initially I was holding Platinum card and recently they upgraded as Coral card bank executives said that this card has good offer and movie tickets free and rewards points as well its char able card 499 and if i spend 1.50 lakhs annually no need to pay the annual charges of the card.
      Was this review helpful? 0
      , aurangabad
      Reviewed on May 24, 2017
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    ICICI Bank Rubyx Credit Cards

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    ICICI Bank Rubyx Cards Overview:

    The ICICI Bank Rubyx credit card is a flexible dual platinum card, rich on rewards and benefits. This card lets you choose from three popular categories and earn 2x reward points on spends in the category chosen. In addition, a slew of lifestyle based complementary benefits are available throughout the year. The Rubyx credit card is available both with American Express and MasterCard.

    ICICI Bank Rubyx Credit Card Benefits:

    • As a joining bonus, the card holder will receive a pair of Sennheiser HD219 Headphones.
    • Based on the eligible spends on your card, you get a complimentary round of golf at a course of your choice.
    • 2 complimentary movies tickets every month on Bookmyshow.com under the Buy One Get One offer.
    • The Culinary Treats Program lets you save a minimum of 15% at over 800 restaurants across the country.

    The above benefits are common for both Amex and MasterCard versions.

    Benefits of ICICI Bank Rubyx American Express Credit Card:

    • The Amex Selects program lets you dine at some of the finest restaurants and be eligible for 20% discount on the bill.
    • The Altitude Lounge offer gives you privileged access to exclusive domestic airport lounges located at New Delhi and Mumbai airport.
    • Global E Shop is your gateway to shopping online at over 300000 US online stores and have your order delivered in India, right at your doorstep.

    Benefits of ICICI Bank Rubyx MasterCard Credit Card:

    • Exclusive access to select Clipper & Plaza lounges at major airports.
    • Benefits, goodies and discounts from MasterCard Moments.

    ICICI Bank Rubyx Credit Card Features:

    • Under the Flexible rewards plan powered by Payback, you get a dual benefit of earning reward points by using this card and additional points from partner brands. These rewards is redeemable against over 600 unique reward options.
    • The member gets to choose from 3 different categories - Shopping, Travel & Essentials and earn bonus rewards of up to 6 PAYBACK points on every Rs.100 spent under the selected category.
    • Each reward point is worth Rs. 0.25. The member has an option to change the category every 6 months.
    • Plus, a host of other privileges under ICICI Bank Credit Cards Experience program such as complimentary movies tickets, discounts at spas and wellness partners, complimentary golf session, minimum discount of 15% at select restaurants etc.

    Eligibility and documentation:

    Eligibility:
    • The min. age limit of the Primary applicant must be 23 years. Add On card holders must be min. 18 years in age.
    • Salaried applicants should be earning at least Rs. 50,000 per month. Self-employed must have a minimum annual income of Rs.5.5 lacs pa as per the latest IT returns statement.
    Documents Required:
    • ID Proof
    • Address Proof
    • Passport size Photographs
    • PAN
    • IT Returns Statement
    • Payslips of last two months

    Fees & Charges:

    • A joining fee of Rs. 3,000 plus services tax is applicable at the time of signing up for the card.
    • Annual fee of Rs. 2,000 plus service tax for subsequent membership years.
    • No fee is billed for Supplementary cards.
    How to Redeem ICICI Bank Rubyx Credit Card Reward Points:
    • The PAYBACK rewards points can be redeemed with over 50 online partners and at over 3,000 outlets of partner brands for rebates and discounts.
    • The reward points can also be redeemed on Payback.in against rewards and goodies from the catalogue.
    • The points can also be converted into cash which will be credited to your card account.

    Apply for an ICICI Bank Rubyx Credit Card on BankBazaar:

    With BankBazaar.com you’re just a step away from applying for an ICICI Bank credit card. On the homepage, hover over the credit card tab and click to choose ICICI Bank credit card. A list of all the card options are provided for your convenience. You can choose the Rubyx credit card and follow instructions to make an application.

    ICICI Bank Rubyx Credit Cards Frequently Asked Questions:

    1. What are the variants of ICICI Bank Rubyx Credit Cards?

      This card is available in American Express and MasterCard variants, each with its own privileges along with standard features and benefits.

    2. How many Payback points do I earn for every transaction?

      Based on the category chosen, you can get 6 Payback points on the Amex variant and 3 points for the Rubyx MasterCard for every Rs.100 spent. For all other non-category purchases, the points awarded are 3 and 2 respectively.

    3. I read about the Altitude lounge privileges on the Amex variant of the Rubyx credit card. Where are these lounges located?

      The lounges are located at

      New Delhi- Domestic Departure Terminal T3, IGI Airport.

      Mumbai - Domestic Terminal 1A (between gates, 9-12), CSI Airport.

    4. Is the joining gift of Sennheiser headphones sent along with the credit card kit?

      The headphones are sent 30 days after payment of the joining fees.

    5. Is there a waiver option for the annual fee charged on the Rubyx credit card from ICICI bank?

      If the combined spends exceeded Rs.250000 in the previous year, the annual fee will be waived completely.

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