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Contributor‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.
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Ananya, a young professional in Delhi, enjoyed travelling, eating out, and watching films, but she found it difficult to manage several cards. She then learnt about the ICICI Bank Rubyx Credit Card, a one-stop shop for all her lifestyle requirements.
She began her voyage with discounts thanks to a more than ₹5,000 welcome bonus in coupons from Tata CliQ, EaseMyTrip, Uber, and Croma. She received 4,000 reward points for every ₹1 lakh she spent abroad, which she could use for shopping, travel, and other things.
Twice a month, 25% off cinema tickets through BookMyShow and Inox made her Saturdays more enjoyable. She also received free golf rounds and access to the airport lounge by meeting her spending goals.
Extra benefits included a chip-and-PIN security feature for the card and a 1% fuel price remission for purchases of ₹400 or more at HPCL pumps.
With all these advantages, Ananya made more informed decisions about her expenditures and transformed her outlays into experiences.
For a variety of lifestyle requirements, the ICICI Bank Rubyx Credit Card provides several benefits:
Welcome Vouchers: You can get over ₹5,000 in shopping and vacation coupons when you sign up, including:
Reward Points:
Points can be redeemed for movie tickets, travel vouchers, lifestyle products, and more.
Travel:
Golf:
Dining:
Security:
Please refer to the ICICI Bank Rubyx Credit Card privileges page for detailed terms and conditions.
The ICICI Bank Rubyx Credit Card has several other advantages in addition to the ones mentioned above:
Concierge Services: You can access 24/7 premium concierge assistance for:
For help, call i-Assist at 022-6787-2016 (standard call rates apply) or 1800-26-70731 (MTNL/BSNL toll-free).
Insurance Coverage:
Dining Discounts: You can save a minimum of 15% on dining bills at participating restaurants through the ICICI Bank Culinary Treats Programme.
Fuel Surcharge Waiver: You can enjoy a 1% waiver on fuel surcharge at any fuel outlet across India.
These features improve the ICICI Bank Rubyx Credit Card’s overall value and ease by meeting a range of lifestyle and security requirements.
What is a Fuel Surcharge?
A fuel surcharge is an extra cost that logistics and transportation firms use to make up for changes in fuel prices. By changing their basic pricing strategy, this fee assists businesses in managing growing gasoline expenses.
Why is a Fuel Surcharge Applied?
How is a Fuel Surcharge Calculated?
Fuel surcharge rates vary by company, but the basic calculation involves:
Thus, an additional ₹4 per km is added to transportation charges to adjust for fuel price fluctuations.
Spend Category | Reward Points per ₹100 spent | Notes |
Domestic Retail Purchases | 2 Points | Excludes fuel transactions. |
International Transactions |
Note: Reward points can be redeemed for movie tickets, travel vouchers, lifestyle products, and more.
Criteria | Cashback Amount | Applicability |
Spend ₹15,000 in a Month | ₹500 | Applicable for the first two months from card issuance. |
Note: This cashback offer is specific to the Rubyx American Express Credit Card.
Fee/Charge | Amount | Details |
First-Year Annual Fee | ₹3,000 + GST | Pay this amount in the first year. |
Second-Year Onwards Annual Fee |
2% of the amount due, minimum ₹450
Applied if auto-debit fails.
Cash Payment at Branches Fee
₹100 per transaction
Applied for cash payments made at branches.
Outstation Cheque Processing Fee
1% of cheque value, minimum ₹100
4 Points |
|
Utilities and Insurance | 1 Point |
|
₹2,000 + GST
Waived off if spending exceeds ₹3,00,000 in the previous year. |
Finance Charge for Cash Advance | 3.40% per month | Applied to cash advances. |
Overdue Interest in Extended Credit | 3.40% per month | Applied on extended credit balance. |
Over-limit Charge | 2.50% of the over-limit amount, minimum ₹500 | Applied if you exceed the credit limit. |
Cash Advance Charge | 2.50% of the advanced amount, minimum ₹300 | Applied to cash advances. |
Redemption Handling Fee | ₹99 | For voucher redemption. |
Late Payment Charge | Nil for the amount due below ₹100 | Applied as per the outstanding amount: |
₹100 for amount due between ₹100 and ₹500 |
₹500 for amount due between ₹501 and ₹10,000 |
₹750 for the amount due above ₹10,000 |
Return Cheque Fee | 2% of the amount due, minimum ₹450 | Applied for returned cheques. |
Auto-Debit Return Fee |
*T&C Apply
Foreign Currency Transaction Fee.
3.5% of the transacted/converted amount.
Applied to foreign currency transactions.
Duplicate Statement
₹100
Fee for a duplicate statement request.
Card Replacement Fee
₹100
Fee for replacing a lost or damaged card.
Charge Slip Fee
₹100 per slip
Fee for obtaining charge slips.
A variety of benefits and considerations are available to prospective cardholders with the ICICI Bank Rubyx Credit Card:
Pros:
Cons:
It’s crucial to assess whether these benefits and drawbacks of the ICICI Bank Rubyx Credit Card fit your lifestyle by comparing them to your spending patterns and financial objectives.
You must fulfil the following requirements to apply for an ICICI Bank Rubyx Credit Card:
You have to be an Indian citizen.
For a primary card, you must be at least 21 years old; for a supplemental card, you must be at least 18.
A minimum remuneration of ₹50,000 per month is required of you. If you work for yourself, you must make at least ₹5.5 lakh a year.
The supporting documentation listed below must be sent with your credit card application:
You can present your driver’s license, voter ID, PAN card, or Aadhar card as identification.
If your phone bill or electricity bill includes your address, you can use it as evidence of your address.
The most recent salary slips and IT returns.
A photo the size of a passport.
Here is a step-by-step guide to apply for an ICICI Rubyx Credit Card
Step 1: Click on the link to visit the website.
Step 2: Click on “Get Rubyx Card”. A new page will open.
Step 3: You will be asked for your mobile number, PAN, date of birth, and employment type. Click on the box below.
Step 4: Click on continue.
Step 5: Attach digital copies of the required documents, such as identity proof, address proof, and income proof.
Step 6: After reviewing all entered information, submit the application form.
Branch Application:
Step 1: Visit the nearest ICICI Bank branch.
Step 2: Request assistance to apply for the Rubyx Credit Card.
Step 3: Fill out the physical application form provided at the branch.
Step 4: Submit photocopies of the required documents and the application form.
Post-Application Process:
Step 1: ICICI Bank will verify the submitted information, including income, employment status, and credit history.
Step 2: A credit check will assess your credit score and history.
Step 3: Upon successful verification and credit assessment, the bank will process your application and inform you of the decision via email, SMS, or phone.
Check Credit Card Status
The bank will send you an acknowledgement message once you apply for an ICICI credit card. A reference number and an application number, which are necessary for monitoring the progress of your application, will be included in this mail. You will receive a confirmation SMS informing you that your application will be processed if you meet the qualifying requirements.
Track Credit Card Application Status Online
By doing the following actions, you can quickly check the status of your ICICI credit card application through the iMobile Pay app:
After selecting "Track Application," you can view the following steps to check how your application is progressing:
Track Credit Card Application Status Offline
You can also call ICICI Bank's customer service telephone number to find out your credit card application status. Here's how:
You can use the following methods to get help with your ICICI Bank Rubyx Credit Card:
You can use the following methods to get help with your ICICI Bank Rubyx Credit Card:
Customer Care Helpline:
Email Support:
24x7 Concierge Service (i-Assist):
You can get in touch with the i-Assist team for premium services like hotel and travel reservations, among others:
You can also visit the ICICI Bank Customer Care page for additional information and assistance.
The ICICI Bank Rubyx Credit Card offers numerous perks in several categories to improve your lifestyle. It has a strong rewards program with two reward points for every 100 ₹ spent domestically and four points for every 100 ₹ spent abroad (not including gasoline purchases).
Subject to spending requirements, cardholders receive welcome vouchers worth more than ₹5,000, cinema ticket reductions, free admission to some airport and train lounges, and up to two complimentary rounds of golf every month.
The card also offers insurance coverage, including up to ₹1 crore in-flight accident insurance and improved security features with an embedded microchip and PIN. Although there is an annual cost of ₹2,000 + GST for the card starting in the second year, this fee is waived if
you spent more than ₹3,00,000 the year before.
The ICICI Bank Rubyx Credit Card provides an extensive range of benefits designed to go hand in hand with a high-end lifestyle.
Q. How do I increase the credit limit on my ICICI Rubyx Credit Card?
An SMS offering an increase in your credit limit will be sent to you. The bank will contact you if you reply to that SMS. By contacting ICICI Credit Card Customer Care, you can find out if you qualify for a credit limit increase.
Q. How can I get my credit card statement?
To check your credit card statement, sign in to your ICICI credit card net banking account or mobile app. For questions about credit card statements, you can also contact the bank's customer service line.
Q. What do I do if my ICICI Bank Credit Card is lost or stolen?
If your credit card is lost, stolen, or misused, you must notify ICICI Bank right away through Customer Care or by sending an SMS to 5676766 from your registered mobile number that reads
