ICICI Bank Rubyx Credit Card
ICICI Bank Rubyx Credit Card is an all rounder card that offer benefits among various categories joining and milestone benefits, movie and dining discount, airport and railway lounge access, golf benefits, concierge services and many more. But these benefits are based on spend based condition, you have to meet certain spend criteria to unlock all these benefits. The card best suited for high spender, the one who spend high can utilize this card benefits fully. To know more about this card please read the below article.
JOINING FEE
Rs.3000+GST
RENEWAL FEE
Rs.2000+GST
BENEFITS
2 Complimentary Domestic & railway Lounge Access Per quarter.
REWARDS &CASHBACK
25% Discount upto Rs.150 on Minimum two Movie Ticket on Bookmyshow and INOX.
Key Features of ICICI Bank Rubyx Credit Card
Welcome Benefits
- Get voucher of worth ₹5000 as welcome benefits from top brand like Croma, Uber, EaseMyTrip, TataCliq.
- The welcome benefits will be credited within 30 days from payment of joining fee.
Reward Program
- Earn 4 Reward point on every ₹100 on International spends.
- Earn 2 Reward point on every ₹100 on domestic spends.
- Earn 1 Reward point on every ₹100 spent on utilities and insurance.
Fuel Surcharge Waiver
- Get 1% Fuel surcharge waiver on all fuel spends upto ₹4,000. You will not earn any reward point on fuel spends.
Milestone Benefits
- Get 3,000 Reward point on reaching ₹ 3 lakh spend and after every ₹ 1 lakh spend you will earn additional 1,500 Reward point.
Spend Based Waiver
- The annual fee of Rs.2000+GST is waived off if you had spent Rs.3,00,000 in previous year.
Lounge Access
- you can avail 2 complimentary domestic lounge access per quarter on spending ₹75,000 in previous quarter.
- You will get 2 complimentary railway lounge access per quarter on major railway station Delhi, Agra, Ahemdabad, Jaipur, Madurai, Kolkata.
Movie Benefits
- Avail 25% discount upto ₹150 on movie ticket booked on bookmyshow or Inox. The benefits can be avail twice a month.
Other services
- Get 24 × 7 concierge services for like reservation at restaurant, flight/hotel booking, Gift, Car rentals, Booking movie tickets and many more
- You will charged 1% on rent transaction.
- Get 1 complimentary Golf round lesson every month on spending ₹50,000 in previous month and maximum you can get 2 Golf lesson per month.
Fees & Charges
Reward Redemption Fee
- There is charge of ₹99 per redemption request. Everytime when you redeem your points for product catalouge or statement balance ther will be some charge you have to pay.
Foreign Currency Markup
- The card come with high foreign currency markup fee that is 3.5% of total transaction amount. So if you are looking of any international travel & transaction credit card you can choose other cards that have zero or very less markup fee.
Finance Charges & Cash withdrawal Fee
- Interest rate is 3.75% per month that is 55.55% per annum.
- Cash withdawal fee is min Rs.500 upto 2.5% of cash withdrawal amount.
Eligibility Criteria
| Criteria | Salaried Individuals | Self Employed Individuals |
|---|---|---|
|
Age |
21-60 Years |
21-65 Years |
|
Income |
₹75000 Per month |
ITR should be 9 lakh or more |
- Final Thoughts
ICICI Bank Rubyx Credit Card comes with lots of benefits and attractive joining and milestone bonus and joining benefits are worth than its fees. The card offer complimentary airport and railway lounge access but only condition is you need to spend ₹ 75,000 in previous quarter so the person who spend ₹25k – 30k in a month can utilize these benefits and with these much monthly spend you can also achieve milestone benefits. The fee waiver criteria is also achievable with ₹25k monthly spend, movie discount, dining offer, golf benefits these all benefits elevate the lifestyle and savings. Overall good credit card if you have monthly spending around ₹25k – 30k.
- Frequently Asked Questions
How can I redeem the reward point earn on ICICI Bank Credit Card?
The Reward point can be redeem through reward redemption portal or contacting ICICI Bank Credit Card customer care.
Do I get any lounge access benefits in ICICI Rubyx Credit Card?
Yes You will get 2 complimentary domestic lounge access per quarter after spending ₹75,000 in previous quarter.
Does ICICI Bank Rubyx credit card have spend based annual fee waiver?
Yes the annual fee is waived off on spending Rs.3,00,000 in previous year.
What is Renewal fee in ICICI Rubyx Credit Card?
The Renewal fee of this card is ₹2000+GST.