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

    Fees & Charges

    Promised Interest Rate

    Customer Service

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    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
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      ICICI bank provides very good services on credit card when compared to all other credit cards. I am using this credit card from last 3 years and there is no annual fee for this credit card. I get offers like 2 free tickets on Book my show, buy 1 get 1 movie tickets on IMAX, Airport lounge access. I have a credit limit of Rs 90000 which is more than enough. I use net banking for making payments.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 15, 2017
    • ICICI Bank Credit Card
      "Below average service"
      0.5 2.0/5 "Expected more"
      The customer support of ICICI bank haven't gave any kind of response in regards to my Ferrari platinum credit card application. I have applied for the credit card with the ICICI bank around a month ago, still I never got any response from the ICICI bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 15, 2017
    • ICICI Bank Credit Card
      "Comfortable card"
      0.5 5.0/5 "Blown Away!"
      For the past 4 years i am using ICICI bank credit card with a limit of 75000. I used to pay my electricity bills through ICICI bank credit card. They provide reward points for every shopping. Its a good card for all purposes. The application is comfortable.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2017
    • ICICI Bank Credit Card
      "Good One"
      0.5 3.5/5 "Pretty good"
      The customer service was good from the ICICI bank side as i got credit card form there , i am using the credit card form back 5 years .The bank gave me credit Limit of 1.5 Lakh and gave me a cash withdraw option is there of 40K .the bank gave me Balance transfer option on the card .its a Coral card i am using on ICICI Bank . The Rate of interest is fine on the card . When i got a upgrade the new card took time to dispatch and deliver .
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 14, 2017
    • ICICI Bank Credit Card
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI Bank 10 years back . They have offered coral International card and the give credit limit was 55,000 which was satisfactory . The customer service and responsiveness was good . I have 24/7 helpline number and OTP device to login .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 14, 2017
    • ICICI Bank Credit Card
      "ICICI coral offers movie discounts"
      0.5 3.0/5 "Satisfactory"
      I hold a platinum coral credit card with ICICI bank. The limit with my card is 1.5 lakhs. i get cash backs and reward points with the card. I get buy one get one movie tickets with this card. The interest is relatively high when comparing with HDFC.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with ICICI bank.They have offered a limit of one lakh. I am happy with the limit Phone banking service is good they immediately respond.Net banking is useful to operate for the payment options.I have limited options for redemptions.
      Was this review helpful? 0
      , kochi
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Excellent Banking"
      0.5 4.5/5 "Excellent!"
      I am a salaried person with ICICI bank for last 6 months. The services are good and very happy. There is no need to maintain a minimum balance. The net banking is good and very convenient. The application is easy to handle for the customers. ATM facilities are good and sufficient.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      The customer support is good with the ICICI bank credit card department. The credit card service is good from ICICI. I have the ICICI bank Ferrari platinum credit card for more than 4yeras, I am satisfied with the credit limit because of their better service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Average card"
      0.5 3.5/5 "Pretty good"
      I am using Coral credit card with ICICI Bank. They are giving cash back offer on fuel filling with Indian oil petroleum from ICICI machine but I don't get any discount if I don't swipe my card on the ICICI machine with other petrol bunks. The credit limit was low which was not satisfactory.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Good "
      0.5 4.5/5 "Excellent!"
      I am having the ICICI bank credit card from the last one year of time. I would like to say that the services are good one for me and the response is better one. I would like to say that the credit limit value is good one for me with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Ease of transacting speed"
      0.5 5.0/5 "Blown Away!"
      I have taken a ICICI bank credit card.The features are good compared to other cards i hold.The card is working fine and accepted in all outlets.The net banking and phone banking service are good and convenient use.I do get offers for shopping.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Good to hold"
      0.5 4.0/5 "Great!"
      I am using ICICI credit card for past one month. They offered me platinum credit card. There is no annual fee for this card. I got a helpline number to contact the customer service. But it takes one or two minute to connect with the representative. The credit limit was good and satisfactory. I make the payment through net banking.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I am using ICICI credit card for last one year. I got a HP CORAL credit card with the credit limit of 50K. The limit was good and enough. The customer service and response was excellent. The charges are minimal when compared to others. They promised as I will be getting 50liters fuel for a year but it was not given.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      It was a good experience with ICICI Bank for the credit card. It was processed on time and I am happy with the credit limit. The Cash back and reward points are not available to me. It is a life time free card and the customer services was good overall as I was contacted on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 12, 2017
    • ICICI Bank Credit Card
      "Good credit card for the daily usage"
      0.5 4.0/5 "Great!"
      I directly approached ICICI and got the credit card with out any difficulties, now a days all credits card are providing cash backs on the e commerce. ICICI interest rate is same as other card, but I have two credit cards, one is life time free and another has some charges its gets waived off after certain transaction.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using the ICICI bank Platinum chip Visa credit card for past 14years. The customer support is good with the ICICI bank credit card department . I would say I am satisfied with the credit limit with this ICICI bank platinum chip visa credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 12, 2017
    • ICICI Bank Credit Card
      "Excellent card to use"
      0.5 4.0/5 "Great!"
      The banking service is good with the ICICI bank credit card department. I have got the ICICI bank platinum chip credit card around 5 months ago. The customer support is excellent with the ICICI bank. I am not satisfied with the credit limit, it would be great if they can increase the credit limit in future.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 12, 2017
    • ICICI Bank Credit Card
      "Best to use"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI platinum credit card for one year. The credit limit was low, they offered 25K later I received a msg for the credit limit enhancement then it was changed to 40K. I used to make my payment through net banking. It is a life time free credit card. Its been used for shopping purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2017
    • ICICI Bank Credit Card
      "Excellent banking"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card ICICI bank.I am comfortable to use this card .Net banking is user friendly to use.Phone banking service is prompt and call get connected immediately.I make card payment through online.I get the best offers for shopping .
      Was this review helpful? 2
      , new delhi
      Reviewed on Dec 11, 2017
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