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

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    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
      "Request not processed"
      0.5 3.0/5 "Satisfactory"
      My credit card was not processed with ICICI Bank not sure why it was not processed. However i had submitted all the documents with them. but the reason for decline was not shared with me. On the other hand I got a very good response from ICICI team.
      Was this review helpful? 0
      , kumbakonam
      Reviewed on Oct 19, 2017
    • ICICI Bank Credit Card
      "Very good card"
      0.5 5.0/5 "Blown Away!"
      I hold a ICICI Bank credit card which is Coral credit card. I am getting very good offers at Book my show 2 movie tickets free every month. Also I get air port free lounges and dinning offers @ attractive rates . Percentage of discount varies from outlet to outlet on an average is 10% to 20%.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 19, 2017
    • ICICI Bank Credit Card
      "Good to use"
      0.5 5.0/5 "Blown Away!"
      I am using the ICICI bank credit card and the customer service is working in good way. I will get 2000 reward points on the purchase then I can call the customer service to en cash those points. I am using CORAL CREDIT CARD for 3 years. It has an offer for buy 1 plus 1 movie ticket.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 19, 2017
    • ICICI Bank Credit Card
      "Satisfactory services"
      0.5 5.0/5 "Blown Away!"
      I also bank for a credit card with ICICI bank and they are doing good on this product as well. There are offers from time to time and am informed about the same too. The statements are always sent to me on time and the billing cycle is also to my satisfaction.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 19, 2017
    • ICICI Bank Credit Card
      "Convenient card and easily to use"
      0.5 5.0/5 "Blown Away!"
      I am using credit service with ICICI bank. I am using Platinum card for 3yrs. I have offers on fuel and dining. I do get monthly cash back offers on the purchase. I am happy with the credit limit and its a life time free credit card. I make the payment through online banking.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 19, 2017
    • ICICI Bank Credit Card
      "Satisfactory services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with ICICI Bank and the offers on the card are good. I use my card as when it is needed for certain requirements. The limit is also to my expectation and I have no issues as such in banking with them. The statements are on time and it is clear.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 19, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am using the ICICI bank credit card and the customer service is working in good way. I would like to say that the credit limit value is around 30000 Rupees for me and its really an enough one for me to met my expenses.
      Was this review helpful? 0
      , goa
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am having the ICICI bank platinum chip credit card for past 1 year. I use this card for shopping, for purchases and for other usages. I am satisfied with the credit limit. The customer service is good with credit card department. I would say I got good service.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Unhappy with the services"
      0.5 1.0/5 "Really Bad"
      I also hold a credit card with ICICI Bank and the bank is not doing good on the card. The services and response needs improvement and the charges are also high. The bank needs to improve overall when compared to the HDFC Bank, they need to be more customer centric.
      Was this review helpful? 0
      , guntur
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      ICICI Bank is doing great on the credit card offers as well. There are no charges for the card and the card has all the basis offers and the transactions on the card is very smooth and easy. The online banking is also good and it helps me make my payments on time.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      Holding the ICICI bank platinum chip credit card for more than 7 years. I use this card for shopping , for purchases and for bill payments. The customer support is good with ICICI bank credit card department. I am satisfied with the credit limit. The rate of interest is nominal with ICIC bank platinum chip card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      The credit card of ICICI Bank is not recommendable from my end as I see other bank cards having loads of cash back offers and discounts on online shopping but there is none of these offers on this card. I was initially informed that the card would be free of charge and after six months I was charged 1K. After I called the customer care they reduced 400.
      Was this review helpful? 0
      , nasik
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Satisfactory services"
      0.5 5.0/5 "Blown Away!"
      I also bank with ICICI Bank for a credit card and they are equally doing good in the offers and the limit is also fine for me. The card has not let me down when ever I have used it and the billing cycle is also normal and very much satisfactory. In all no issues.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI bank 5 years back. The credit limit was 2 lakhs here. I hold their visa card and Its an International card. I have 24/7 helpline number and OTP device to login also. The benefits are reward points and cash back offers. The customer service and responses was good.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      ICICI bank has offered me a credit card when other banks backed out on me. I did not have to pay any joining fee and it is also a life time free card. They have given me good offers to use on the card and I am also happy with the credit limit I got. The services was also appreciated.
      Was this review helpful? 0
      , nagpur
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Good till date"
      0.5 4.5/5 "Excellent!"
      I also hold a credit card with ICICI Bank and the options are good. There are the cash back deals and there are no charges related. I get the rewards as well and the points can be redeemed as well. The statements are also clear and very much on time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Good usage"
      0.5 4.5/5 "Excellent!"
      I have been using ICICI Bank's Credit Card for quite a while now. Eventhough my usage aren't that much with this card, I felt the offers are pretty impressive. I also feel this Bank to be Customer Centric and responsive towards their Customer.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am having the ICICI bank credit card and am using it from the last ten months of time. Customer service is fine one with the ICICI bank credit card and the response is good one with the ICICI bank credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "average service"
      0.5 2.0/5 "Expected more"
      I have a credit card with ICICI the service is fine but the rate of interest and the fees and charges is very high with ICICI for my credit card service compare to other banks in the market also the customer service is not good they were not responding properly ,I would say the service is average from ICICI for my credit card service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      The service from ICICI for my credit card service is good but if there is any delay in the payment they are not accepting the late payments the charges is also little high I feel they are not much supportive ,the service of ICICI is very good still for my credit card service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    Common Loader Icon
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.