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ICICI Bank Rubyx Credit Card
★★★★★(4.2)If you're interested in reducing your lifestyle expenses, you may find the ICICI Rubyx Credit Card to be a worthwhile option. The card has a joining fee of ₹3,000 and an annual fee of ₹2,000, but it also provides a range of benefits such as discounts on BookMyShow and Inox, complimentary access to airport and railway lounges, free rounds of golf each month, 24x7 concierge service, and insurance coverage. Additionally, you can earn rewards from 0.25% to 1%. Read on for more details on the ICICI Rubyx Credit Card. 👇
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Features and Benefits
Aspects that make spending using this card lit as the sun!
Fee and Charges
Think of these as small investments to keep your credit card running smoothly.
Charges
Joining Fee
₹3,000Annual Fee
₹2,000Annual Percentage Rate
40.8%Add-on Card Fee
FreeMinimum Repayment Amount
5%Cash Withdrawal Fee
2.50%Cash Advance Limit
NACard Replacement Fee
₹100Foreign Transaction Fee
3.50%Over Limit Penalty
2.50%Fuel Transaction Surcharge
1%Reward Point Value
₹0.25Balance more than ₹50000
₹1200Pros
Aspects that make this credit card amazing.
- ⮚2 complimentary rounds of golf every month.
- ⮚Air accident insurance of ₹1 crore.
- ⮚Fuel surcharge waiver at any fuel outlet.
- ⮚Lost card liability of ₹50,000.
Cons
Aspects this credit card lacks.
- ⮚Insurance benefits apply if the card is used at least once in the last 60 days before the event.
- ⮚The user should spend at least ₹5,000 or above in a calendar quarter to avail of the lounge facility.
- ⮚Charges reward redemption fee of ₹99.
- ⮚High Joining fees when compared to the reward rate.
ICICI Bank Rubyx Credit Card Review
This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.
ICICI Rubyx Credit Card offers privileges across lifestyle, dining, and golf, as well as travel benefits and free movie tickets. The users have air accident insurance of ₹1 crore and a lost card liability of ₹50,000 that includes loss up to 2 days prior to reporting the same. Further, the Account Takeover Cover ensures the users are protected against personal details being accessed and misused by a third person. However, a joining fee of around ₹3500 (including GST) and an annual fee of ₹2000 may not please many. Further, not all can afford the salary requirement of ₹50,000 per month to own this card. However, if you are a frequent traveller and specifically looking for a travel credit card, here are some decent alternatives for you- 1. Air India SBI Signature Credit Card 2. SBI Elite Credit Card 3. HDFC Regalia Credit Card
Overview
| Best For | Travel |
|---|---|
| Joining Fee | ₹3,000 plus GST |
| Annual Fee | ₹2,000 plus GST (Waived on spending ₹3,00,000 and more) |
| Welcome Bonus | Vouchers worth ₹5000 |
| Card Type | Reward Points |
| Card Network | Visa & Mastercard |
Who should get an ICICI Bank Rubyx Credit Card?
ICICI Rubyx Credit Card is suitable for users who frequently travel and like to spend on shopping and dining, and are interested in airport and railway lounge access. The people who are lured by bonus rewards offered on various purchases can opt for it card. These rewards can be redeemed through many options comprising movie and travel vouchers, lifestyle products, mobiles, and appliances. Welcome vouchers worth ₹5,000 against the joining fee of ₹3000 may attract its target audience in the beginning.
How to Apply for an ICICI Bank Rubyx Credit Card?
1. Apply for an ICICI Bank Rubyx Credit Card Online
- Interested applicants can either visit a nearby branch or apply online for ICICI Rubyx Credit Card from the bank’s website in the following steps.
- Step 1: Visit the ICICI Bank’s official website.
- Step 2: Under the “Cards” section, click on the option “Credit Cards”.
- Step 3: Under 'Special Credit Cards' tab click on “Rubyx Credit Card”.
- Step 4: Click on “Apply Now” under the card description.
- Step 5: Fill in all the required details and upload the required documents in order to complete the process.
ICICI Bank Rubyx Credit Card Eligibility
- Age: 23 years
- Occupation: Salaried or Self Employed
- Income: Salaried - ₹50,000 p.m., Self-Employed: ITR > ₹5.5 Lakhs p.a.
Documents Required
- Proof of identity: Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
- Proof of Address: Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
- Proof of Income: Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.