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

    Responsiveness

    Fees & Charges

    Customer Service

    Promised Interest Rate

    Credit Card BYTES FROM OUR KITCHEN

    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
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had taken this card almost a year back and it was closed recently. The services which they had provided so far has been pretty good. The credit limit with the card has been good and there was a one time fee of 500 with the card as well. I had closed this card since because of some personal reasons.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 17, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      Fantastic is the word i would love to give it to ICICI BANK credit Card. All my transaction till date were smooth enough and never had any issue. The best part about this card is its terms and conditions are crystal clear compare to other banks. Credit limit is more satisfactory and there is no annual charges on it. Free Life time card, what else you need.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Mar 17, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I was looking for a card which got good offers and i found ICICI BANK suitable for it. Its a not Life-time free card and there are annual charges here.Credit limit is fine and the interest rates seems reasonable. Have started using it and loving it. Interface of mobile and net-banking are user friendly.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 17, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have been holding my saving and salary account with ICICI bank for long time,Their service is good they use to update me time to time about my transaction or any offers which are running currently and the minimum balance in my account and the overall service rendered by them was so far so good.
      Was this review helpful? 0
      , faridabad
      Reviewed on Mar 17, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been holding ICICI credit card for long time,They have charged me annual fee in this card,but waived off option is available in this card,like if i spend certain amount then my annual fee will get waived off, and i am happy with the credit limit which they have given me in this card.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Mar 17, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am satisfied with this credit limit and their customer service provided is good and response at a time last one and half years I am using Icici bank credit card this is life time free card and rewards point offer is available here and I am happy with Icici bank .
      Was this review helpful? 1
      , hyderabad
      Reviewed on Mar 16, 2019
    • ICICI Bank Credit Card
      "Need improvement on the helpdesk"
      0.5 4.0/5 "Great!"
      ICICI Ferrari platinum is a life free credit card, I am using it for several year its nice in terms of the customer support, the helpdesk is not convenient, they direct me to the IVR response. They need to improve their customer care aspects remaining all are fine.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 16, 2019
    • ICICI Bank Credit Card
      "My First Credit card"
      0.5 5.0/5 "Blown Away!"
      ICICI is my first credit card for more than 15 years , I am using this card with good shopping offers in on-line . ICICI always good dining offers , Clothing offers , Journey ticket booking offers . Every time I make my payment in on time . Till now there is no extra charges to me .
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 16, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am happy with icici bank , I am satisfied with this credit limit and their customer service provided is good and response at a time, and this card is first year is rs-500 hundred chargeable then the card is life time free card and cash back offer in this card last one years I am using this card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 16, 2019
    • ICICI Bank Credit Card
      "Very Good Credit card"
      0.5 5.0/5 "Blown Away!"
      I got this ICICI credit card very recently after applying in on-line . Within 10 days of time , they delivered my credit card . Documents has been collected in off-line . No annual fees for this card .ICICI offered me a credit limit according to my existing cards .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 16, 2019
    • ICICI Bank Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I got a Coral credit card from ICICI BANK and its been 2 months. I am happy with the high credit limit. The annual charge is reasonable which is Rs.200. My experience was very good and satisfactory. I use this card for shopping, fuel, etc. Am getting 5-10% cash back offer for fuel filling and also discounts restaurants and movie ticket booking.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 16, 2019
    • ICICI Bank Credit Card
      "Need to increase the limit"
      0.5 5.0/5 "Blown Away!"
      Recently have taken a credit card from ICICI BANK and its been 2 months. They have provided me a low limit of 18K. I have a Titanium card and there is no annual fee. The payment mode is convenient and the charges are standard for late payments.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 16, 2019
    • ICICI Bank Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      For credit card payments, ICICI accepts only Visa payment not through the master card. If they could provide this option which will be better. I have a coral card for past 3 months. The credit limit is average but it has good benefits. There was no annual fee.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 16, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      The process took few days to complete for ICICI bank credit card application, there was no annual fee charged for this credit card and the credit limit is fine in this card. I use this credit card for multipurpose and the customer service was very good. Offer is good .
      Was this review helpful? 2
      , indore
      Reviewed on Mar 15, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      It was a good experience with ICICI bank credit card, the process took few weeks to complete. They offered satisfactory credit limit with this credit card . Customer service was good and they followed up on time. There is no joining fee at the time of getting this card .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 15, 2019
    • ICICI Bank Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      It has been a very long time since i am using this credit card and the services which they had been providing so far has been pretty good. There has been some annual charges with this card and i use the card when there is some good offers and also depending up on the purchase amount. I am satisfied with the credit limit with this card as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 15, 2019
    • ICICI Bank Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      There is no specific reason for choosing this credit card with ICICI BANK . Did not faced an issue while making a payment and i hope Bank will take this into consideration. Often visit on-line portals for shopping. The card is chargeable . I am aware of the interest rates on this card and just used it once.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 15, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      All the benefits of ICICI credit card is linked with my salary account which was convenient. I am using the Platinum card for 4 year without annual charges. Every year they are increasing the limit. Flexi pay option is given and the charges are reasonable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 15, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      I am using this credit card for the last two and a half years and the services which they where providing so far has been better. But there has not been much offers which used to get and the credit limit with the card was above 1,00,000. It does not have any annual charges as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 15, 2019
    • ICICI Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been using ICICI bank credit card for long time.I am not happy with the limit which they have given me in this card,it is too less as per my expectation, and even i am not happy with their offers which they have given me in this card, and they have charged me annual fee in this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 15, 2019
    Common Loader Icon

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.