ICICI Bank RubyX Credit Card
welcome benefit
Tata CliQ Voucher worth ₹2000
EaseMyTrip Vouchers worth ₹2000 (Two vouchers worth ₹1000 each)
Uber Vouchers worth ₹250
Croma Voucher worth ₹1000 (Two vouchers worth ₹500 each)
EaseMyTrip Vouchers worth ₹2000 (Two vouchers worth ₹1000 each)
Uber Vouchers worth ₹250
Croma Voucher worth ₹1000 (Two vouchers worth ₹500 each)
reward points
Earn 2 reward points for every ₹100 spent domestically.
1 reward point = ₹0.25
1 reward point = ₹0.25
key benefits
Domestic Spends - 2 reward points
International Spends - 4 reward points
Utilities and Insurance - 1 reward point
International Spends - 4 reward points
Utilities and Insurance - 1 reward point
Rs. 3000
Joining Fee
Rs. 2000
Annual Fee
3.4%
Interest rate
Pro Tip
Considering the low rewards rate, the joining fee and high spend milestone for annual fee waiver are not worth it. You may consider this card if ICICI is giving you a lifetime free offer.
apply now
On the bank’s secure website
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Domestic Travel
Dining Benefit
Meet & Greet
Golfing Benefit
Online Subscription
International Travel
Movie Benefit
Good forex rate
Conversion to EMI
Add-on Card
Tap to pay
Domestic Airport Lounge Access on ICICI Bank RubyX Credit Card
2 complimentary access per quarter.
Eligibility Criteria
age
Primary Cardholder must be minimum 23 years old
resident
You must be a citizen of India.
income
You must have a minimum monthly salary of Rs 50,000. If you are self-employed, the minimum annual income must be minimum Rs 6 lakh.
Additional Fees & Charges
cash withdrawal fee
2.5% on advanced amount, subject to minimum of INR 500
forex fee
3.50%
over limit fee
2.50% on the over-limit amount (subject to a minimum of INR 550)
reward redemption fee
Upto 10,000 points - INR 49 + GST
> 10,000 points - INR 99 + GST
> 10,000 points - INR 99 + GST
rent transaction
For each rent payment identified through MCC 6513, a rent surcharge fee of 1% capped at INR 1500 per transaction will be levied on the transaction amount.
Things You Should Know
waiver on achieving milestone
Minimum Spends of ₹3,00,000 for Annual fee reversal
fuel surcharge waiver
1% of transaction value or ₹10 whichever is higher.
Insurance Benefits On Icici Bank Rubyx Credit Card
credit shield insurance
Credit shield - ₹50,000
card liability cover
Lost Card Liability of ₹50,000 available on this card - 2 days (pre-reporting) and 7 days (post-reporting)
purchase protection
Not applicable
other insurance
Personal Accident Insurance (Air) - ₹1,00,00,000
Baggage insurance - Up to ₹25,000
Loss of checked baggage - $1200
Delay in receipt of checked baggage - $300 in excess of 12 hours
Missing flight due to trans-shipment - $300
Plane hijacking - $250 per hour up to max of 12 hours
Delay in flight - $250 in excess of 12 hours
Loss of travel documents - $500
Baggage insurance - Up to ₹25,000
Loss of checked baggage - $1200
Delay in receipt of checked baggage - $300 in excess of 12 hours
Missing flight due to trans-shipment - $300
Plane hijacking - $250 per hour up to max of 12 hours
Delay in flight - $250 in excess of 12 hours
Loss of travel documents - $500
