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.
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 this credit cards. Purchases done on travel, shopping and other essentials can get customers 4 Hand-picked points and all other transactions will give 2 rewards points.
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 -
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.
Existing ICICI Bank card holders can easily apply for an ICICI Bank Rubyx Visa Credit Card.
|Annual Fees||NIL - First Year From the Second Year - Rs 2000|
|Joining Fees||Rs 3000|
|Add-on Card - Annual Fees||NIL|
|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 Due||1.25% to 3.50% per month|
|Interest Free Period||18 to 48 days|
|Transaction Fee - Cash Advance||2.5% of the advance amount or a minimum of Rs 300|
|Transaction Fee - Dial-a-draft||3% of the draft amount or a minimum of Rs 300|
|Auto-Debit return fee / Return of cheque||2% of the total amount due or a minimum of Rs 250.|
|Request for Duplicate statements||Rs 100|
|Card Replacement Fee||Rs 100|
|Over limit Fee||2.5% of the over limits amount or a minimum of Rs 500|
|Total Amount Due||Charges for Late Payments|
|Below Rs 100||NIL|
|Between Rs 100 and Rs 500||Rs 100|
|Between Rs 500 and Rs 10000||Rs 500|
|Between Rs 10000 and Rs 20000||Rs 600|
|Above Rs 20000||Rs 700|
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.
Customers can use two methods to redeem points - a) Via Internet Banking or b) By calling up the 24/7 ICICI Bank Customer Care.
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.
Card holders can use any of the below given modes to make payments towards their credit card bills -
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.
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