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  • ICICI Bank Rubyx Visa Credit Card

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    ICICI Bank Rubyx Visa Credit Card

    Reach for the skies and beyond with an ICICI Bank Rubyx Visa Credit Card. With exceptional lifestyle, entertainment and joining benefits, this card opens the doors to a world of endless possibilities and much more. As part of the Visa Signature line, the ICICI Bank Rubyx Visa Credit Card is a unique credit card which carries a customizable rewards program and various exciting offers from partner outlets. As a chip and PIN card, the ICICI Bank Rubyx Visa Credit Card can be used to make secure online transactions and PoS transactions, without the worry of cyber-attacks or fraud. Card holders can enjoy exclusive privileges from ICICI Bank and Visa, when they use their ICICI Bank Rubyx Visa Credit Cards to make purchases.

    Benefits of an ICICI Rubyx Visa Credit Card:

    The ICICI Bank Rubyx Visa Credit Card is available only to select ICICI Bank customers and comes with various benefits.

    Joining Benefits:

    As a welcome gift, customers who avail an ICICI Bank Rubyx Credit Card can also get a complimentary pair of Sennheiser HD219 Headphones, after they pay the joining fees. The gift will be delivered within 30 days of fee payment.

    Joining Fees / Annual Fees:

    ICICI customers have to pay a joining fee of Rs 3000 plus service tax when they procure the ICICI Bank Rubyx Visa Credit Card. An annual fee of Rs 2000 plus service tax has to be paid by card holders from the second year and this fee will be waived off if the customer spends over Rs 2, 50, 000 the previous year.

    Secure Transactions with Chip / PIN:

    The ICICI Bank Rubyx Visa Credit Card comes with an embedded microchip which protects against duplication and counterfeit. An extra level of protection comes from the PIN number which has to be entered for every PoS transaction. Online transactions can be completely secured by using Verified by Visa (VbV) services.

    Surcharge Waiver:

    Card holders can enjoy a surcharge waiver of 2.5% on fuel transactions done at any petrol bunk in India, for a maximum value of Rs 4000.

    Features of an ICICI Bank Rubyx Visa Credit Card:

    With a load of features, the ICICI Bank Rubyx Visa Credit Card is a one-of-a-kind card, which comes with outstanding privileges.

    Flexible Rewards Plan:

    ICICI Banks offers the exciting option of customised rewards plans under the Hand-picked Rewards program. According to the lifestyle requirement and the spend categories of the card holder, the rewards plan can be designed and used. Customers also have the flexibility to change their rewards plan according to their spending pattern, every six months.

    Card holders can get up to 4 bonus Hand-picked rewards points for every Rs 100 spent using an ICICI Bank Rubyx Visa Credit Card. Purchases done on travel, shopping and other essentials can get customers 4 Hand-picked points and all other transactions will give 2 rewards points.

    • Shopping Category - Supermarkets / Grocery / Departmental Stores / Retail / Fashion / Consumer Durables / Electronics.
    • Travel - Bookings done via portals, agents, airlines, hotels and car rentals.
    • Essentials - Grocery/ Supermarkets / Healthcare / Wellness / Utilities / Bill Payments / Spas / Hospitals.

    ICICI Bank Privileges:

    Entertainment:

    ICICI Bank Rubyx Visa Credit Card holders can enjoy buy 1 get 1 deals on movie tickets bought on BookMyShow.com, any day of the week. Customers can get up to two movie tickets, worth Rs 250, free every month. The tickets are given out on a first come first serve basis and also depend on the availability.

    Spa and Wellness:

    ICICI customers can use their ICICI Bank Rubyx Visa Credit Cards to avail excellent spa and wellness packages across India.

    Kairali - Card holders can get up to 30% off on Ayurvedic packages and 50% off on fitness evaluation and personal lifestyle along with Dosha analysis.

    Golf Privileges:

    ICICI Bank Rubyx Visa Credit Card holders can enjoy one complimentary round of golf, if the total retail purchase transaction on their cards is Rs 1, 00,000 or more for the previous month. This complimentary offer is applicable for a single month.

    ICICI Culinary treats Program:

    Under this program, ICICI Bank Rubyx Visa Credit Card members can get up to a minimum discount of 15% on dining bills at all the partner restaurants.

    i-Assist - Concierge Services:

    ICICI customers can enjoy 24/7 premium concierge services, providing assistance to make hotel and travel reservations, book cars and movie tickets, etc.

    The following services are rendered -
    • Hotel Bookings
    • Restaurant Bookings
    • Flight Bookings
    • Car rentals / limo services
    • Flower or gift delivery services
    • Booking movie tickets inclusive of doorstep delivery
    • Medical concierge benefits
    • Emergency auto assistance throughout India

    Visa Privileges:

    Visa Airport Lounge Access:

    Customers can enjoy complimentary access to premium Visa airport lounges across India using an ICICI Bank Rubyx Visa Credit Card. Customers can get up to two free visits in a quarter. The privileges provided are free Wi-Fi gourmet meals, entertainment along with bar services. The participating lounges are Plaza Premium Lounge, Carnations Lounge, Clipper Lounge, Travel Club (TFS) and Plaza Premium Lounge.

    Eligibility:

    Existing ICICI Bank card holders can easily apply for an ICICI Bank Rubyx Visa Credit Card.

    Fees & Charges:

    Annual Fees

    NIL - First Year

    From the Second Year - Rs 2000

    Joining FeesRs 3000
    Add-on Card - Annual FeesNIL
    Overdue Interest on Extended Credit

    Monthly - 3.40%

    Annually - 40.80%

    Interest Rate - Cash Advance

    Monthly - 3.40%

    Annually - 40.80%

    Interest Rates - On Total Amount Due1.25% to 3.50% per month
    Interest Free Period18 to 48 days
    Transaction Fee - Cash Advance2.5% of the advance amount or a minimum of Rs 300
    Transaction Fee - Dial-a-draft3% of the draft amount or a minimum of Rs 300
    Auto-Debit return fee / Return of cheque2% of the total amount due or a minimum of Rs 250.
    Request for Duplicate statementsRs 100
    Card Replacement FeeRs 100
    Over limit Fee2.5% of the over limits amount or a minimum of Rs 500

    Late Payment Charges:

    Total Amount DueCharges for Late Payments
    Below Rs 100NIL
    Between Rs 100 and Rs 500Rs 100
    Between Rs 500 and Rs 10000Rs 500
    Between Rs 10000 and Rs 20000Rs 600
    Above Rs 20000Rs 700

    ICICI Bank Rubyx Visa Card FAQs:

    1. What is the validity period for Hand-picked rewards points?

      Hand-picked Rewards points do not carry a validity period and are active as long as the card and the card account are active without overdues.

    2. How can ICICI Bank Rubyx Visa Credit Card customers redeem Hand-picked Rewards points?

      Customers can use two methods to redeem points - a) Via Internet Banking or b) By calling up the 24/7 ICICI Bank Customer Care.

    3. What happens if an ICICI customer crosses the preset credit limit?

      Transactions made with amounts crossing the credit limit have to be approved by ICICI Bank. If approved, an over limit charge of 2.5% of the excess amount would be levied. This charge would be at least a minimum of Rs 500.

    4. What are the different methods that can be used by ICICI Bank Rubyx Visa Credit Card holders to pay outstanding bills?

      Card holders can use any of the below given modes to make payments towards their credit card bills -

      • Cash Deposit at ICICI Branches
      • Internet Banking
      • Cheque / Drafts - These can be dropped at the branch, ATM or at any Skypak drop box.
      • Auto Debits
      • Click to Pay / NEFT Transactions

    5. Can ICICI Bank Rubyx Visa Credit Card customers use the revolving credit facility?

      Yes, Rubyx customers can avail the revolving credit facility in order to pay the total outstanding amount due or only the minimum amount that is due or pay any specific amount between the two. The balance amount will be carried forward to the next credit card billing statement period.

    ICICI Bank Rubyx Visa Credit Card Reviews

    • ICICI Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I have a ICICI bank credit card from last 5-6 years, offers like movie tickets and cash back are good with this credit card. I did not face any transaction issues at the time of using this credit card. I am happy with the credit limit in this card and this is a lifetime free credit card.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 20, 2018
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I have a credit card with ICICI bank from last 2 years, the credit card services are pretty good when compared to all other credit cards. I am not aware of the annual fee but the credit limit is sufficient in this card. I get good payback points and it is easy to redeem. I use this credit card for multipurpose.
      Was this review helpful? 0
      , chennai
      Reviewed on May 20, 2018
    • ICICI Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      ICICI bank provides best services on credit card when compared to all other credit cards. I pay an annual fee for this credit card and the credit limit is sufficient in this credit card. I am not aware of any offers on this credit card and i use this credit card for multipurpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 20, 2018
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the ICICI Platinum Credit Card for the past 2 Months, It has very good features. There was a delay in receiving the card, it took almost a month. Billing cycle is very good. I make payment online. Overall I am really happy about the card and its features.
      Was this review helpful? 0
      , pune
      Reviewed on May 20, 2018
    • ICICI Bank Credit Card
      "Looking for good offers"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with ICICI bank from last 1 year, i am happy with the credit limit in this credit card and there is no annual fee charged at the time of getting this credit card. I did not find much benefits on this credit card and i use this card for multipurpose.
      Was this review helpful? 0
      , pune
      Reviewed on May 20, 2018
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I hold a credit card with ICICI bank from last 4-5 years, there is no annual fee charged at the time of getting this credit card. I am happy with the credit limit in this credit card. Offers are very good in this credit card and i use this card for multipurpose. Net banking is easy to make bill payments.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 20, 2018
    • ICICI Bank Credit Card
      "Life time Free Card"
      0.5 5.0/5 "Blown Away!"
      I have been using this ICICI Credit Card for past 1 month. It is zero annual fee card. Best thing about this card is Easy EMI conversion and No annual fee Hence it is a Life time free card. I have very good purchase experience in ICICI. Net banking is easy to use.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 19, 2018
    • ICICI Bank Credit Card
      "EXCELENT"
      0.5 5.0/5 "Blown Away!"
      So far my experience with the ICICI credit card is good and it is easy to use. The customer service is good. I have been getting so many wonderful offers like purchasing in amazon then i will be getting 10% off. Other than that i am getting offers in book my show as buy 1 get 1 offer.
      Was this review helpful? 0
      , chennai
      Reviewed on May 19, 2018
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 4.5/5 "Excellent!"
      The services which they have provided with the card has been good. But the credit limit would have been some more. There has been offers in booking movie tickets and there was also airport launch facilities with this card as well. There is an annual fee which will be waved off as per the usage. The customer service has been excellent so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2018
    • ICICI Bank Credit Card
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've been using the ICICI platinum credit card for the past 8 Months, this is a Basic card with no features. They need to come up with new offers every once in a while. This just useful like any other cards you can find. Overall I never had any issues with their services.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 18, 2018
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      The credit limit of ICICI Ferrari Platinum Credit card is fair. I use this card mostly for shopping online. This card has got no exceptional offers and discounts. Overall their services are good never faced nay issue with the card and its features.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2018
    • ICICI Bank Credit Card
      "Not satisfactory service"
      0.5 2.0/5 "Expected more"
      I have been using this card for almost last four years, their services had been average. the credit limit which they ahve provided with the card had been good. I have been using the card for online purchases and shopping, paying my bills and all other purposes. The only thing with them is that the intimation messages about the payment of bills are coming a day before it which could be send at least before 3-4 days which could be more convenient for the customers.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2018
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using their services for the last six to seven months. They have been providing me with a good service so far. There has been no issues faced so far using it or in their banking services. Their mobile application had been good and user friendly.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 18, 2018
    • ICICI Bank Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I've been using the ICICI Visa Credit card for the past 2 years. They promised Buy one get one offer which was not a part of these card which was a misleading experience for me. The limit is also not so good. They're not proactive in increasing the limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 17, 2018
    • ICICI Bank Credit Card
      "Average Service"
      0.5 5.0/5 "Blown Away!"
      I've a ICICI Paywave Credit card which was no commedable features. The card is good as any other credit card you can buy. I never had any issues with their services and there's no feature worth mentioning. Overall it is just like any other card.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 17, 2018
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I bought the ICICI FERRARI PLATINUM CREDIT CARD because it was the offer given to me online. The application process was fast and hassle free. I got the card with in 15 days which is very good. I haven't used the card much and this is too early for a honest comment on their services.
      Was this review helpful? 0
      , faridabad
      Reviewed on May 17, 2018
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the ICICI Visa Credit card for the past 4 Years. The limit is low and I'm planning to increase the limit of this card. I never had any issues with the card. Overall this card is useful for all your daily life needs. It is a recommendable card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 17, 2018
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      My credit card was taken with ICICI bank 2 months back. I hold platinum card and the credit limit was 15,000 which si satisfactory . The customer service and responses was good. Its a life time free card .MY overall experience was really good so I would like to recommend to others.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 17, 2018
    • ICICI Bank Credit Card
      "Good Service but need Improvements"
      0.5 3.0/5 "Satisfactory"
      I've been using the ICICI platinum Credit card for almost 13 years. They still follow the Same pattern in terms of offers benefits, nothing innovative there are no new offers. Initially the Limit was low they increased limit.I also got the Flexibility to raise the limit in case if I need it.
      Was this review helpful? 0
      , chennai
      Reviewed on May 17, 2018
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the ICICI Visa Credit Card for a while. The credit limit is very low , I want to increase the limit. I never had any issues with the card and features. Overall it a recommendable card to use. Their customer support services are also good.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 17, 2018
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