ICICI Bank Rubyx Credit Card: The ICICI Bank Rubyx Credit Card, India’s first dual platinum credit card with two network variants- Visa, Mastercard and American Express. This credit card offers great benefits in different categories to its customers and also welcomes you with travel & shopping gift vouchers and more.
This credit card gives you exciting lifestyle benefits, including exclusive discount offers on dining, and a discount on movie tickets on BookMyShow & Inox and also, get travel benefits, including railway & airport lounge access every quarter to make your travel experiences comfortable.
Therefore, in this article we are going to see the Benefits and features of the ICICI Bank Rubyx Credit Card;
Contents
1. ICICI Bank Rubyx Credit Card Features and Benefits
The ICICI Bank Rubyx Credit Card comes with the exciting privileges across different categories, including travel, golf, rewards, lifestyle, and many more.
Here we have mentioned the features and benefits offered by the ICICI Bank Rubyx Credit Card:
- Welcome Benefits: As welcome gift vouchers, get Travel & shopping vouchers worth Rs. 5,000 or more and get the welcome gift within 30 days after payment of the joining fee.
- Milestone benefits: On spending Rs. 3 lakhs and 1,500 Reward Points for every subsequent spends of Rs. 1 lakh, get 3,000 Reward Points in an anniversary year and on a minimum expenditure of Rs. 3 lakh, the renewal fee is waived off in the previous year.
- Movie Benefits: On purchasing a minimum of two movies tickets on BookMyShow 2 times a month and on purchasing a minimum of two movie tickets on INOX 2 times a month, can avail of a discount of 25% i.e., up to Rs. 150 and that is also one-time each on Mastercard & American Express variant.
- Dining Benefits: Get Exciting Discounts on dining bills at partner restaurants with the ICICI Bank Culinary Treats Program.
- Travel Benefits: Get 2 complimentary domestic and railway lounge access every quarter with the ICICI Bank Rubyx Visa Credit Card and 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 i.e., total 2 domestic airport lounge access per quarter, on a minimum expenditure of RS. 5,000 in the previous quarter.
- Fuel Surcharge Waiver: On your fuel transactions up to Rs. 4,000, cardholders will get a fuel surcharge waiver of 1%, at fuel pumps all over India.
- Golf Benefits: For every Rs. 50,000 spent, get 1 complimentary golf round in the previous month and can enjoy up to 2 complimentary golf rounds in a month.
- Concierge Benefits: Through this Credit Card, you can avail of concierge benefits with 24×7 assistance. The concierge services provided on Flight referral and reservation, Hotel and restaurant reservation, Flowers and gifts, Booking and delivery of movie tickets, and Medical Concierge services.
- Insurance Benefits: Get insurance benefits on ICICI Bank Rubyx Credit Card on personal Air Accidental, Delayed baggage, Lost baggage, Loss of passport, Lost ticket, Delay in flight, and Missed connection.
- Zero Credit Card Lost Liability: In case, you lose your card or stolen card, you are not responsible for any fraudulent or unauthorized transactions made on your lost/stolen card once you report the loss of the card to the bank.
2. ICICI Bank Rubyx Credit Card Fees and Charges:
- The Joining fee charges are- Rs. 3,000
- The Annual fee charges are- Rs. 2,000 (waived off on spending more than Rs. 3 lakh in the previous year)
- The Cash withdrawal fee, 2.5% or Rs. 300 of the withdrawn.
- On all the Foreign currency transaction, you have to pay forex fee of 3.5% on the transacted amount. This fee is to be paid on all international transactions done using this credit card.
- An interest rate of 3.5% per month (40.8% p.a.) is applicable on the due amount on the card if the cardholder is unable to clear all the dues by the payment due date.
- Late Payment Charges are- apart from the interest rate, a late payment fee shall also be applicable, For Statement Balance: Below Rs. 100: Nil, Between Rs. 100 to Rs. 500: Rs. 100, Between Rs. 501 to Rs. 5,000: Rs. 500, Between Rs. 5,001 to Rs. 10,000: Rs. 750, Between Rs. 10,001 to Rs. 25,000: Rs. 900, Between Rs. 25,001 to Rs. 50,000: Rs. 1,000, and Above Rs. 50,000: Rs. 1,200.
3. ICICI Bank Rubyx Credit Card Eligibility Criteria to Apply:
The common eligibility criteria and the documents required to apply for ICICI Bank Rubyx Credit Card are as follows:
- The age limit for applying for this card is 21-65 years of age.
- The cardholder should be an Indian resident.
- The cardholder should have a stable source of income either through salary with a salary of Rs. 50,000 per month and more or self-employment with a salary of Rs. 5.5 lakhs per annum and more.
- For Identity Proof documents you need are Aadhar Card, Voters Id, PAN Card, Passport, Driving License.
- For Address Proof, Utility bills of the latest months, Aadhar Card, Passport, and Ration card are the needed documents.
- For Income Proof, you need to submit the latest bank statement as a salaried person, and can also, submit your company ID card, if you are salaried, and if you are self-employed, you should submit your latest ITR.
4. How to Apply for ICICI Bank Rubyx Credit Card:
For ICICI Bank Rubyx credit card you can apply either online or offline. For offline mode, you can visit your nearest ICICI Bank branch with all the required documents and fill out the physical application form.
Here are the steps to be followed to apply for your ICICI Bank Rubyx credit card:
- Step 1: Visit Official website of the ICICI Bank- www.icicidirect.com
- Step 2: Select your ‘credit card’, under the section ‘card’.
- Step 3: Next, choose the ‘Rubyx Credit Card’.
- Step 4: Then, click on ‘Get Card’, an application form will appear on your screen and fill that carefully.
- Step 5: Enter all the requested details and providing the required documents and ‘submit’ it.
This the way in which you can apply for ICICI Bank Rubyx credit card online.
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