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.

Key Highlights of ICICI Rubyx Credit Card

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:

Tata CliQ: ₹2,000
EaseMyTrip: ₹2,000 (two vouchers of ₹1,000 each)
Uber: ₹250
Croma: ₹1,000 (two vouchers of ₹500 each)

Reward Points:

Domestic Spends: 2 points per ₹100
International spends: 4 points per ₹100

Points can be redeemed for movie tickets, travel vouchers, lifestyle products, and more.

Milestone Rewards: You can earn up to 15,000 additional points annually based on spending thresholds.
Entertainment: Get a 25% discount (up to ₹150) on at least two movie tickets per transaction when you buy them through BookMyShow and Inox. This offer is available twice a month on both platforms.

Travel:

After spending ₹5,000 in the previous quarter, you will receive two free passes to the airport lounge every quarter.
Two complimentary railway lounge visits per quarter.

Golf:

Up to two complimentary rounds are given out each month, one for each ₹50,000 spent the month before.

Dining:

The ICICI Bank Culinary Treats Program offers participating restaurants at least a 15% discount.

Security:

An integrated microchip and Personal Identification Number (PIN) provide increased security.
Fuel Surcharge Waiver: 1% waiver on fuel transactions at any fuel outlet.

Please refer to the ICICI Bank Rubyx Credit Card privileges page for detailed terms and conditions.

Features of ICICI Rubyx Credit Card

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:

Hotels and flight reservations
Restaurant bookings
Car rentals
Flower and gift deliveries
Movie ticket bookings
Medical and emergency auto assistance

For help, call i-Assist at 022-6787-2016 (standard call rates apply) or 1800-26-70731 (MTNL/BSNL toll-free).

Insurance Coverage:

Air Accident Insurance: You get coverage up to ₹1 crore.
Lost Card Liability: Protection up to ₹50,000, covering loss up to two days before reporting.
Account Takeover Cover: Protection against unauthorised access and misuse of personal details.

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?

Stabilising Operating Costs: Government taxation, crude oil prices, and world economic conditions all affect fuel prices in India. A fuel fee guarantees that transportation businesses can modify their rates appropriately.

Fair Compensation: Companies use a variable surcharge to fairly distribute extra fuel expenses among clients rather than continuously changing base rates.

How is a Fuel Surcharge Calculated?

Fuel surcharge rates vary by company, but the basic calculation involves:

Base Fuel Price: A predefined price per litre of fuel (e.g., ₹80/litre).
Current Fuel Price: The latest fuel price (e.g., ₹100/litre).

Difference in Price: ₹100 - ₹80 = ₹20 per litre.

Mileage Factor: Suppose a truck runs 5 km per litre, then the surcharge per km is ₹20 ÷ 5 km = ₹4/km.

Thus, an additional ₹4 per km is added to transportation charges to adjust for fuel price fluctuations.

ICICI Rubyx Credit Card Cashback and Rewards

Spend Category	Reward Points per ₹100 spent	Notes
Domestic Retail Purchases	2 Points	Excludes fuel transactions.
International Transactions	4 Points
Utilities and Insurance	1 Point

Note: Reward points can be redeemed for movie tickets, travel vouchers, lifestyle products, and more.

Cashback Offer (American Express Variant)

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.

ICICI Rubyx Credit Card Fees and Other Charges

Fee/Charge	Amount	Details
First-Year Annual Fee	₹3,000 + GST	Pay this amount in the first year.
Second-Year Onwards Annual Fee	₹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	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	Applied to outstation cheque processing.
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.

ICICI Rubyx Credit Card Pros and Cons

A variety of benefits and considerations are available to prospective cardholders with the ICICI Bank Rubyx Credit Card:

Pros:

Comprehensive Rewards Program: You can earn 2 reward points per ₹100 on domestic spending and 4 points per ₹100 on international spending, excluding fuel transactions.

Welcome Benefits: You can receive shopping and travel vouchers worth over ₹5,000 upon payment of the joining fee.
Entertainment Discounts: You can avail of a 25% discount (up to ₹150) on purchasing at least two movie tickets per transaction through BookMyShow and Inox twice a month on each platform.

Travel Privileges: Take advantage of free entry to a few airports and train lounges in India to improve your journey.
Golf Benefits: Depending on spending requirements, eyou are ligible for up to two free golf outings per month.

Cons:

Annual Fees: The card comes with a joining fee of ₹3,000 plus GST and an annual fee of ₹2,000 plus GST from the second year onwards.
Reward Redemption Limitations: Reward points are not earned on fuel transactions, and redemption options may be subject to specific terms and conditions.
Spending Thresholds for Benefits: To be eligible for some benefits, such as free lounge access and golf outings, you must reach specific spending caps.

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.

Eligibility Criteria for ICICI Rubyx Credit Card

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.

Required Documents to Apply for ICICI Rubyx Credit Card

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.

How to Apply for an ICICI Rubyx Credit Card

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:

Login to iMobile Pay
Go to Services
Go to Card Services
Click on 'Track Application'

After selecting "Track Application," you can view the following steps to check how your application is progressing:

Application Initiated: Your application has been successfully submitted.
Appointment: The next step involves scheduling an appointment.
Document Verification: The required documents from the applicant are being verified.
Application Processing: The bank is processing the application.
Card Delivery: Your credit card will be delivered once processing is successful.

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:

Enter the 24-hour customer service number for ICICI Bank.
Make contact with a customer support agent.
Give the representative the information they need.
Get instructions on how to monitor the status of your credit card application.
Keep yourself informed about the progress of your application.

ICICI Rubyx Credit Card Customer Care

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:

Toll-Free Number: 1800 1080
Call this number for questions about personal banking, including credit card services. You can use your registered mobile number to make calls from 7:00 a.m. to 9:00 p.m.

Email Support:

Email Address: customer.care@icicibank.com

For security reasons, please email your registered email address and include the last four digits of your credit card number.

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:

Toll-Free (MTNL/BSNL lines): 1800 26 70731
Standard Call Charges Apply: 022 6787 2016

You can also visit the ICICI Bank Customer Care page for additional information and assistance.

Conclusion

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.

Frequently Asked Questions Related to ICICI Rubyx Credit Card

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 [CCBLK] [your card's last four numbers]. For seven business days, your card will be suspended. You must send a copy to the bank and file a formal complaint with the police.