Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 1 ICICI Bank Rubyx Credit Card

    Card
    1st Year Fee
    Rewards
    Joining Perks
    3000
    Response Time Within 30 minutes
    Rs.750 Amazon voucher free Paperless approval option available
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    ICICI Bank Rubyx Credit Card is Rated as "Excellent!" by 14 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

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    ICICI Bank Rubyx Credit Card Overview

    ICICI Bank Rubyx Credit Card is India’s first dual platinum credit cards. Get 2 credit cards with one account and numerous benefits. On joining, get a complimentary Sennheiser HD219 headphone set. You can choose from 3 different reward plans depending on your spend category which can be shopping, essentials or travel.

    Promotional Offers for ICICI Bank Rubyx Credit Card

    Listed below are the various promotional offers available for ICICI Bank Rubyx Credit Card:

    • Get 15% off at www.giftease.com on a minimum spend of Rs.999 and Rs.1,000 off on a minimum purchase of Rs.5,000 using your ICICI Bank credit card. This promotional offer is valid until March 31st, 2018.
    • Get 15% off on food bill on weekdays and 10% off on weekends at Smaaash Food & Beverages using your ICICI Bank credit card. This promotional offer is valid until March 31st, 2018.
    • Get 20% off on a minimum recharge of Rs.1,000 on weekdays till Thursday and 15% off on Fridays and weekends at Smaaash Gaming using your ICICI Bank credit card. This promotional offer is valid until March 31st, 2018.
    • Get 10% off on hotel booking on Expedia using your ICICI Bank Credit Card. This promotional offer is valid until October 31st, 2017.
    • Primary cardholder can use the ICICI Bank Rubyx Credit Card to get 1 complimentary domestic airport lounge visit per quarter through MasterCard privileges. This promotional offer is valid until September 30th, 2017. Call 1800 102 6263 or 022 42006396 to find out the list of lounges where you can get complimentary visits.

    ICICI Rubyx Credit Card Benefits

    Listed below are the benefits of ICICI Bank Rubyx Credit Card:

    • A free round of golf every month at a golf course of your choice.
    • Through Buy One Get One offer, you can get 2 free movie tickets up to Rs.250 per month. Book your ticket on www.bookmyshow.com
    • Choose from 3 different reward plans depending on your spend category which can be shopping, essentials or travel. Earn 2 times the rewards points on your chosen spend category. Earn up to 6 PAYBACK points on purchases made at partner outlets such as HPCL, Bank Bazaar, etc. 1 PAYBACK point equals RS.0.25. Call 080-40146444 or 1860-258-500 to redeem your PAYBACK points. Cash credit will be credited to your credit card account within 7 working days. Visit the PAYBACK website to choose a gift of your choice for redemption. You will receive the gift within 10 working days.
    • Courtesy of American Express and MasterCard, ICICI BanK Rubyx Credit cardholders can get free visits to airport lounges.
    • Through ICICI Bank Culinary Treats programme, you can get minimum 15% discount on dining spend at over 800 restaurants across India.
    • 1% fuel surcharge waived at any fuel outlet.
    • Get 20% off on Ayurvedic packages and 50% off on personal lifestyle and fitness evaluation at Kairali.
    • Get complimentary access to select lounges using your ICICI Bank Rubyx Credit Card through American Express privileges.
    • Through American Express Connect, you get exclusive benefits on travel, dining, retails and online purchases.

    Features of ICICI Bank Rubyx Credit Card

    Listed below are the features of ICICI Bank Rubyx Credit Card:

    • This is India's first dual Platinum Credit Card.
    • You can enjoy benefits from both MasterCard and American Express.
    • It offers flexible reward plans.
    • From dining and entertainment to wellness and golf, you can enjoy exclusive privileges.
    • On paying your joining fee, get a complimentary gift of Sennheiser HD219 headphones.
    • With Chip and PIN security features, your ICICI Bank credit card is protected against counterfeiting and card duplication.
    • Get air accident insurance cover of Rs.1 crore, lost card liability cover of Rs.50,000, and account takeover cover in the case of misuse of your personal details by a third party.
    • i-Assist, ICICI Bank's 24x7 premium concierge service takes care of your travel, hotel, and car rental reservations. Call 1800 26 70731 or 022 6787 2016 to talk to i-Assist team.
    • Through American Express EPAY, you can make speedy utility bill payments with the AUTOPAY feature.
    • Through American Express ezeClick, you can make secure payments.

    Eligibility of ICICI Bank Rubyx Credit Card

    To apply for ICICI Bank Rubyx Credit Card, you must meet the following eligibility criteria:

    • You must be a citizen of India.
    • You must be minimum 23 years old for primary card and 18 years old for supplementary card.
    • You must have a minimum monthly salary of Rs.50,000. If you are self-employed, the minimum annual income must be minimum Rs.5.5 lakhs.

    Documentation for ICICI Bank Rubyx Credit Card

    Following supporting documents that have to be submitted along with your credit card application:

    • PAN Card, Aadhaar Card, Voter's ID or Driving License can be submitted as identity proof.
    • For address proof, you can submit electricity bill or phone bill if it has your address on it.
    • The latest IT Returns and salary slips.
    • Passport-sized photograph.

    How to apply for ICICI Bank Rubyx Credit Card

    You can apply online for ICICI Bank Rubyx Credit Card or via SMS 'RUBYX' to 5676766 and a customer service representative from the bank will call you back. Upload supporting documents on the bank website to complete your online application process. You can track your application status on the ICICI bank website by feeding in your application and mobile number. You will receive the application status notification via SMS on your registered mobile number.

    Security Features of ICICI Bank Rubyx Credit Card

    ICICI Bank credit cards come with an EMV chip embedded in it. This chip act as an additional security feature against card duplication and counterfeiting. PIN has to be entered to authenticate any transaction using your ICICI Bank credit card. For online transactions, you have to register for 3D Secure feature on the ICICI Bank website.

    Fees and Charges of ICICI Bank Rubyx Credit Card

    Listed below are the fees and charges applicable to ICICI Bank Rubyx Credit Card:

    Joining fee Rs.3,000 plus Service Tax
    Annual fee Rs.2,000 plus Service Tax from second year onwards. If you spend more that Rs.2,50,000 the previous year, annual fee will be waived.
    Finance charge for cash advance 3.40% per month
    Overdue interest in extended credit 3.40% per month
    Over-limit charge 2.50% of over-limit amount, subject to a minimum of Rs.500
    Cash advance charge 2.50% of advanced amount, subject to a minimum of Rs.300
    Redemption handling fee Rs.99
    Late payment charge Below Rs.100 - Nil Rs.100 to Rs.500 - Rs.100 Rs.501 to Rs.10,000 - Rs.500 Above Rs.10,000 - Rs.750
    Return cheque fee 2% of amount due, subject to a minimum of Rs.450
    Auto-Debit return fee 2% of amount due, subject to a minimum of Rs.450
    Cash payment at branches fee Rs.100 per transaction
    Outstation cheque processing fee 1% of cheque value, subject to a minimum of Rs.100
    Foreign currency transaction fee 3.5% of transacted/converted amount
    Duplicate statement Rs.100
    Card replacement fee Rs.100
    Charge slip fee Rs.100 per slip

    FAQs of ICICI Bank Rubyx Credit Card

    Listed below are the frequently asked questions about ICICI Bank Credit Card:

    1. How do I increase the credit limit on my ICICI Bank Credit Card?

      You will receive an SMS with an offer to increase credit limit. Reply to that SMS and the bank will get in touch with you. You can check your eligibility for increase in credit limit by calling the bank Customer Care.

    2. How can I get my credit card statement?

      Log in to your Internet Banking Account or iMobile app to view your credit card statement. You can also call the bank customer care for credit card statement related queries.

    3. Is interest charge applicable on my ICICI Bank credit card?

      If the total amount due is not paid on or before the due date, interest charge will be applicable on outstanding dues. Interest charge is also levied on cash advances.

    4. What do I do if my ICICI Bank Credit Card is lost or stolen?

      In the case of loss, theft or misuse of your credit card, the incident must be reported immediately to ICICI Bank through Customer Care or via SMS CCBLK to 5676766 from your registered mobile number. You card will be suspended for 7 working days. You have to file an FIR with the police and submit a copy to the bank.

    5. How do I make credit card bill payments?

      Credit card bills can be paid via multiple channels:

      • Drop cheques in the 'drop box' at ICICI Bank branches
      • Cash payments at bank branch or ICICI Bank ATM
      • Auto-Debit facility
      • Net banking
      • Customer Care Centre
      • Visa money transfer or NEFT
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  • ICICI Bank Rubyx Credit Cards Reviews

    • ICICI Bank Credit Card
      "Need improvement"
      0.5 1.0/5 "Really Bad"
      The ICICI executive came to my place thrice and collected my documents to process my credit card but after that they haven't gave any response in concern to my credit card application. The customer service and the response need to be improved with ICICI bank. The rate of interest is nominal with ICICI bank.
      Was this review helpful? 0
      , madurai
      Reviewed on Jul 17, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      ICICI provides reward points on my credit card. I am using ICICI card which is a chargeable one. I do not have any accounts with the bank but I got only credit card. The services are good and the bank quoted good credit limit as well. Also I am getting cash back offers.
      Was this review helpful? 0
      , ankleshwar
      Reviewed on Jul 13, 2017
    • ICICI Bank Credit Card
      "Good to Use"
      0.5 4.5/5 "Excellent!"
      I use credit card of ICICI bank for the past one year. The credit limit is pretty good and I use to make the payment before 10 days so I do not default in making the payments. The customer service is also good and I am quite satisfied with their service too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 13, 2017
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The credit card experience is good and there are a good of offers for me. Axis bank has been doing good and they are very much proactive in the services. There has not been issues while accessing my card the credit limit they have offered is one lakhs and I am holding this card for about a year now
      Was this review helpful? 0
      , hisar
      Reviewed on Jul 13, 2017
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      Its a life time free credit card.I use this card with ICICI bank for long time life 15 years Even the customer service is good with ICICI bank there are some offers but I don't check all that.and they have given the grace period of payment of 45 days.
      Was this review helpful? 1
      , valsad
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      I applied for the credit card with ICICI bank and they provided the card as a life time free card. The credit limit is quite good as per my requirement. And I am happy with the credit card. It is more comfortable for my usage and there is no issues at all.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Satifactory service"
      0.5 3.0/5 "Satisfactory"
      The first and foremost reason the service is not good with this card they have so much charges if I use this card and the credit limit is also not good, they have just offered 20000 rupees as limit which is not satisfied at all and its chargeable card 299/- and at some places if they don't have ICICI machine there by they dont accept ICICI credit cards too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Actually, ICICI bank provides offers more often. They offered credit cards too. The bank is good in providing credit limit because they provided sufficient limit on my card. Once they shifted my account into privileged category, I did not receive any offers from the bank. Previously, I used to get more offers frequently.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Easy to avail ICICI credit card"
      0.5 4.0/5 "Great!"
      I don't get any waiver on my ICICI credit card for the annual fee, but in CITI if I swipe my credit card for Rs.30k they give a waiver on annual charges, that is the draw back. But ICICI customer service is good, I have ICICI customer care mobile number, I could reach their executive they help on queries. ICICI credit card have petrol surcharges option, but I can't utilize the same at all petrol bunks.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Convenient"
      0.5 4.0/5 "Great!"
      I have EMI credit card with ICICI bank. The limit offered by the bank is good enough. I am using this card on daily basis. Even I have credit cards with other bank. I am getting reward points on every usage and the services of ICICI is good for the credit card.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Convenient"
      0.5 5.0/5 "Blown Away!"
      I availed credit card from ICICI bank. This is a chargeable card. I am very convenient with the bank in using the card. I have reward points and cash back offers on my card. Till date, I do not have any kind of issues with the bank at any point of time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "No offers for credit card user"
      0.5 3.0/5 "Satisfactory"
      I cant redeem my points easily in ICICI, there is no online options. So far I didn't get any cash backs its not upto the mark. I have been using it around two years. Their credit limit is nominal but they asked me to upgrade it but not interested to continue with them.
      Was this review helpful? 1
      , pune
      Reviewed on Jul 11, 2017
    • ICICI Bank Credit Card
      "Be customer oriented"
      0.5 3.0/5 "Satisfactory"
      Initially I was informed that I will get more benefits on my credit card so I applied for the card and got it but after taking the card, they are telling different and there is no benefits on my credit card. They should not provide wrong commitments in order to make the customers to get the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 11, 2017
    • ICICI Bank Credit Card
      "Good to use"
      0.5 4.0/5 "Great!"
      ICICI credit card works well, but it has lower credit limit, I am getting petrol surcharge and movie ticket at my bookmyshow. ICICI is also providing air lounge facilities and dinning and shopping offers. It has many add on features even there are no hidden charges as well. However it would be great if they provide a detailed description about the transactions (i.e) spends and repayments.
      Was this review helpful? 1
      , visakhapatnam
      Reviewed on Jul 11, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The rate of interest is high with ICICI bank Coral VISA credit card. I am holding a coral card for past 2 years. I am happy with the credit limit, The customer service and the response is good with ICICI bank. The service provided by ICICI bank is good.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 10, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I do have ICICI bank credit card from the last 2.5 years of time. The services are good one with the ICICI bank credit card. They used to give some general offers , also they are providing fifty days of time as the cooling period to make the payment the credit limit is around 50000 rupees.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 10, 2017
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      ICICI bank has offered me a credit card and the limit they have provided is satisfactory like 75000 rupees. But I do not use the card much it is only for emergency purposes.Based on home loan they have offered me this credit card I am happy with their services and the response overall
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jul 09, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am using a basic credit card with ICICI bank. I am having ICICI bank Coral Visa credit card for past 2 years. Benefits are very less in this card. I am happy with the credit limit. The rate of interest is nominal , because I do the payment on time. I am happy and satisfied using this coral card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 07, 2017
    • ICICI Bank Credit Card
      "Convenient for shopping"
      0.5 4.0/5 "Great!"
      I have ICICI coral visa credit card,whenever I fill petrol in HP bunks they gives surcharges and cash back offer. ICICI is also giving good reward points for all transactions. Even the credit limit is satisfactory and happy to hold my ICICI credit ca rd for all transactions.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 07, 2017
    • ICICI Bank Credit Card
      "Prompt Service"
      0.5 5.0/5 "Blown Away!"
      I am using a life time free credit card with ICICI bank. The bank is providing reward points and cash back offers on my credit card. It is good for the usage and the credit limit is fine. I hold savings account with the same bank. All their services are good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 07, 2017
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