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    ICICI Bank Rubyx Credit Cards Reviews

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    ICICI Bank Rubyx Credit Cards

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    ICICI Bank Rubyx Cards Overview:

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    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 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:

    • 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 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 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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