By Bharti Bisht
Updated On October 15, 2021

The ICICI Bank Rubyx Credit Card is India’s first dual platinum credit card that aims to provide its customers with benefits across various categories. The card comes with a joining fee of Rs. 3,000 and welcomes you with travel & shopping gift vouchers worth Rs. 5,000 or more. With this card, you earn PAYBACK Points on almost all your domestic as well as international spends and you can redeem these points easily against cash or gifts as per your choice.

The card also provides you with exciting lifestyle benefits, including exclusive discount offers on dining, and a 25% discount on movie tickets on BookMyShow & Inox. You also get travel benefits, including railway & airport lounge access every quarter to make your travel experiences comfortable. The cardholders can save a lot with this card as along with all these benefits, you can also get your card’s renewal fee waived off based on your spends in an anniversary year. Read on for more details on ICICI Bank Rubyx Credit Card.

Best Suited For

Travel |

Joining Fee

Rs. 3,000 (plus applicable taxes)

Reward Type

Reward Points |

Product Details

  • 2 PAYBACK Points per domestic spend of Rs. 100 & 4 PAYBACK Points per international spend of Rs. 100 through ICICI Bank Rubyx Mastercard Credit Card.
  • 50% extra PAYBACK Points through the ICICI Bank Rubyx American Express Credit Card (3 Points per Rs. 100 on domestic spends and 6 Points per Rs. 100 on international spends).
  • Travel and shopping vouchers worth over Rs. 5,000 as a welcome benefit.
  • 25% discount (up to Rs. 150) on booking a minimum of 2 movie tickets in a single transaction on BookMyShow or Inox (max 2 times in a month- once with each variant).
  • Exciting discount offers on dining with ICICI Bank Culinary Treats Program.
  • 2 complimentary railway lounge access with each of the MasterCard and American Express variants (total 4 railway lounge access) per quarter.
  • 2 complimentary domestic airport lounge access (1 with each of MasterCard and AmEx variants) per quarter on minimum spends of Rs. 5,000 in the previous quarter.
  • 1 complimentary golf lesson/round every month per Rs. 50,000 spent in the previous month (max 2 rounds/lessons in a month).
  • Exclusive insurance benefits including a personal air accident cover worth Rs. 1 crore and lost card liability protection worth Rs. 50,000.
  • 24*7 concierge service i-Assist for hotel reservations, flight/movie ticket bookings, gift delivery assistance, etc.
  • Spends-based renewal fee waiver on the expenditure of Rs. 3 lakh in the previous year.
  • Additional PAYBACK Points on achieving the stipulated spends based milestones.

Rewards and Benefits

Welcome Benefits

Travel & shopping vouchers worth over Rs. 5,000

Movie & Dining

25% discount on movie ticket bookings (min 2 per transaction and max 2 tines in a month) on BookMyShow and INOX (max discount capped at Rs. 150), discount on dining bills with the Culinary Treats Program.

Rewards Rate

6 PAYBACK Points per Rs. 100 on international spends and 3 PAYBACK Points per Rs. 100 on domestic spends on the American Express variant; 4 PAYBACK Points per Rs. 100 on international spends and 2 PAYBACK Points per Rs. 100 on domestic spends on the MasterCard variant.

Reward Redemption

The reward points can be redeemed for gift vouchers or purchasing products from the PAYBACK catalog by calling the customer helpline number or by requesting redemption online at www.payback.in. 1 PAYBACK Point = Rs. 0.25

Travel

2 complimentary railway lounge access per quarter and 1 complimentary airport lounge access per quarter with each of the two variants (total 2 per quarter) on a minimum expenditure of Rs. 5,000 in the previous quarter

Golf

Up to 2 complimentary golf lessons/rounds each month (1 golf round/lesson for every Rs. 50,000 spent in the previous month)

Domestic Lounge Access

2 complimentary railway lounge access per quarter and 1 complimentary domestic airport lounge access per quarter with each of the two variants (total 2 domestic airport lounge access per quarter) on a minimum expenditure of Rs.5,000 in the previous quarter.

International Lounge Access

N/A

Insurance Benefits

Complimentary insurance covers against air accidents, plane hijacking, lost baggage, delayed baggage, lost card, lost travel documents, credit shield, etc.

Zero Liability Protection

Cardmember shall not be liable for any fraudulent transactions done on the card once the loss of card is reported to the bank.

Fees & Charges

Joining Fee

Rs. 3,000 (plus applicable taxes)

Renewal Fee

Rs. 2,000 (plus applicable taxes)

Spend based Waiver

Renewal Fee is waived off on spending Rs. 3 lakhs or more in an anniversary year.

Rewards Redemption Fee

Rs. 99 (plus applicable taxes) per redemption request

Rewards Redemption Fee

Rs. 99 (plus applicable taxes) per redemption request

Foreign Currency Markup

3.5% of the transaction amount

Interest Rates

3.40% per month (or 40.8% annually)

Fuel Surcharge

1% fuel surcharge is waived off for all fuel transactions up to Rs. 4,000 across all fuel stations in India.

Cash Advance Charge

2.5% of the amount withdrawn or Rs. 300 (whichever is higher)

Add-on Card Fee

Nil

ICICI Bank Rubyx Credit Card Welcome Benefits:

  • Travel & shopping vouchers worth Rs. 5,000 or more as a welcome gift.
  • You get the welcome gift within 30 days after payment of the joining fee.

ICICI Bank Rubyx Credit Card Rewards:

Spends Category PAYBACK Points per Rs. 100 on the MasterCard variant PAYBACK Points per Rs. 100 on the American Express variant
Domestic spends (except fuel) 2 3
International spends 4 6

Rewards Redemption:

  • For redemption against cash, you will have to call on 080-40146444, and the equivalent cash amount will be credited to your account within 7 working days.
  • For redemption against gifts, you will have to request online at PAYBACK, and you will receive your chosen gift within 10 working days.
  • 1 PAYBACK Point = Rs. 0.25.

Milestone Benefits:

  • 3,000 PAYBACK Points on spending Rs, 3 lakh and 1,500 PAYBACK Point for every subsequent spends of Rs. 1 lakh in an anniversary year. A maximum of 15,000 additional PAYBACK Points can be earned in a year as Milestone benefit.
  • Renewal fee is waived off on a minimum expenditure of Rs. 3 lakh in the previous year.

Travel Benefits:

  • 2 complimentary railway lounge access each quarter.
  • 1 complimentary domestic airport lounge access per quarter with each of the two variants- 1 with the MasterCard variant and 1 with the American Express variant (total 2 domestic airport lounge access per quarter) on a minimum expenditure of RS. 5,000 in the previous quarter.

Dining Benefits:

Exciting discounts on dining bills at partner restaurants with the ICICI Bank Culinary Treats Program.

Movie Benefits

  • Avail a discount of 25% (up to Rs. 150) on purchasing a minimum of two movies tickets on BookMyShow 2 times a month (one-time each on Mastercard & American Express variant).
  • Avail a discount of 25% (up to Rs. 150) on purchasing a minimum of two movie tickets on INOX 2 times a month (one-time each on American Express & Mastercard variant).

Golf Benefits:

  • 1 complimentary golf round/lesson for every Rs. 50,000 spent in the previous month.
  • You can get a maximum of 2 golf lessons/round each month.

Insurance Benefits:

Insurance Type Covered Amount
Personal air accident Rs. 1 crore
Baggage insurance Up to Rs. 25,000
Loss of checked baggage USD 12,000
Loss of travel documents USD 500
Delay in receipt of checked baggage USD 300 (in excess of 12 hours) 
Missing flight due to trans-shipment USD 300
Plane hijacking USD 250 per hour for up to 12 hours
Delay in flight USD 250 in excess of 12 hours
Credit Shield Rs. 50,000
Lost card liability Rs. 50,000 (2 days pre-reporting and 7 days post reporting the loss of card)

Concierge Benefits

You get access to ICICI Bank’s 24×7 concierge service, i-Assist for assistance regarding hotel reservation, flight ticket booking, movie ticket bookings, restaurant referrals and table reservation, car rental, flower and gift delivery, etc. Apart from this, you also get medical concierge privileges and emergency auto assistance with the ICICI Bank Rubyx Credit Card.

Fuel Surcharge Waiver

1% fuel surcharge waiver is provided for all fuel transactions across India up to Rs. 4,000 across all fuel stations in India.

Conclusion

Along with being the first dual platinum credit card of India, the ICICI bank Rubyx Credit Card can be considered an ideal card that provides its customers with exclusive Reward offers & all the other benefits that one might be looking for. It provides you complimentary railway and airport lounge access so it doesn’t matter whether you are traveling through a train or on a flight; you are going to have a luxurious experience in both cases. Moreover, the PAYBACK Points you earn can be redeemed against cash or against gifts. So, you can use them wherever you want. The exclusive Insurance & concierge benefits can also not be ignored. With all these exciting benefits, the ICICI Bank Rubyx Credit Card becomes a great choice for everyone looking for an affordable credit card with great advantages

FAQs:

You get a total of 4 railway lounge access every quarter (2 through the Mastercard variant & 2 through the American Express variant).

The renewal fee of the ICICI Bank Rubyx Credit Card is Rs. 2000 + GST.

Yes, the ICICI Bank Rubyx Credit Card provides a welcome benefit of travel & shopping vouchers worth Rs. 5,000 and you get it within 30 days after payment of the joining fee.

The interest rate on the ICICI Bank Rubyx Credit Card is 3.40% per month.

Yes, this card provides an air accident cover worth Rs. 1 Crore.

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