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

    ICICI Bank Rubyx Credit Card is India’s first dual platinum credit cards. Get 2 credit cards with one account and numerous benefits. This card offers great benefits and comes in handy for those who fly frequently.

    Features of ICICI Bank Rubyx Credit Card

    • This is India's first dual Platinum Credit Card.
    • It offers flexible reward plans.
    • From dining and entertainment to wellness and golf, you can enjoy exclusive privileges.
    • With Chip and PIN security features, your ICICI Bank credit card is protected against counterfeiting and card duplication.
    • 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.
    • Cardholders can earn 2X reward points on spending overseas.
    • Cardholders can earn shopping and travel vouchers worth Rs.5,000.
    • Cardholders can get up to 2 complimentary rounds of golf every month.
    • Cardholders can enjoy 2 complimentary domestic airport lounge and 1 railway lounge visits per quarter.
    • Buy 1 movie ticket from BookMyShow and get one ticket free.
    • Cardholders can get up to 15,000 additional PAYBACK points every anniversary year.
    • Cardholders can avail a discount worth 15% on dining bills.

    Benefits of ICICI Rubyx Credit Card

    • Two 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
    • Through ICICI Bank Culinary Treats programme, you can get minimum 15% discount on dining spend at over 800 restaurants across India.
    • Vouchers worth Rs.5000 on joining that can be spent on shopping and travel.
    • Two complimentary airport lounge visits in a quarter.
    • On international transactions customers can get 2 times more rewards.

    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

    Fee Charges
    First year annual fee Rs.3,000 plus GST
    Second year onwards annual fee Rs.2,000 plus GST (Waived on spending Rs.3,00,000 and more)
    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

    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.

    FAQs on ICICI Bank Rubyx Credit Card

    1. How do I increase the credit limit on my ICICI Rubyx 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 ICICI Credit Card Customer Care.

    2. How can I get my credit card statement?

      Log in to your ICICI credit card net 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 Rubyx 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] [last 4 digits of your card] 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.

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