ICICI bank has launched ICICI Rubyx credit card for their premium customers. There are numerous facilities available with this card. This card is available for premium customers, whose earnings are more than 50000 monthly. Only salaried and self-employed customers can apply for this credit card. This card contains insurance benefits, cash back benefits, discounts,s, and waiver benefits.
ICICI Bank is a leading private bank in India. There is tough competition among ICICI Bank, HDFC Bank, and Axis Bank in private sector banks.
Here, in this post, you will get information about ICICI Rubyx credit cards, about card benefits, card eligibility criteria, card joining fees, and annual charges.
ICICI Rubyx Credit Card Benefits
- 25% Discount on BookMyShow website.
- 25% discounts on inoxmovies.com website.
- Lounge Access benefits.
- Complimentary golf round benefits.
- Benefits on meals and restaurants.
- 24X7 premium services.
- Insurance benefits such as – Insurance Table
|Type of insurance||Cover|
|1||Personal Accident Insurance (Air)||₹ 1 crore|
|2||Credit shield||₹ 50,000|
|3||Baggage insurance*||Up to ₹ 25,000|
|4||Loss of travel documents*||$ 500|
|5||Loss of checked baggage*||$ 1200|
|6||Delay in receipt of checked baggage*||$ 300 in excess of 12 hours|
|7||Missing flight due to trans-shipment*||$ 300|
|8||Plane hijacking*||$ 1000 per day – 12 hours deductible|
|9||Delay in flight*||$ 250 in excess of 12 hours|
|10||Lost Card Liability||₹ 50,000 – 2 days (pre-reporting) and 7 days (post-reporting)|
- Chip and Pin Security benefit.
- Fuel Surcharge waiver benefit.
- On paying the joining fee, you get Rs.5000 shopping watchers.
- Payback Points worth Rs 15000 are available every year.
- There is 2 complimentary railway lounge access in each quarter.
- Get 2X more reward points on international transactions.
- Get up to 25% off on dining at close to 25000 restaurants.
ICICI Rubyx Credit Card Charges
|First-year annual fee||Rs 3,000 plus GST|
|Second-year onwards annual fee||Rs 2,000 plus GST (Waived on spending Rs 3,00,000 and more)|
|The finance charge for cash advance||3.40% per month|
|Overdue interest in extended credit||3.40% per month|
|Over-limit charge||2.50% of the over-limit amount, subject to a minimum of Rs 500|
|Cash advance charge||2.50% of the advanced amount, subject to a minimum of Rs 300|
|Redemption handling fee||Rs 99|
|Late payment charge||Below Rs 100 – NilRs 100 to Rs 500 – Rs 100Rs 501 to Rs 10,000 – Rs 500Above Rs 10,000 – Rs 750|
|Return cheque fee||2% of the amount due, subject to a minimum of Rs 450|
|Auto-Debit return fee||2% of the amount due, subject to a minimum of Rs 450|
|Cash payment at branches fee||Rs 100 per transaction|
|Outstation cheque processing fee||1% of cheque value, subject to a minimum of Rs 100|
|Foreign currency transaction fee||3.5% of transacted/converted amount|
|Duplicate statement||Rs 100|
|Card replacement fee||Rs 100|
|Charge slip fee||Rs 100 per slip|
ICICI Rubyx Credit Card Lounge Access
The ICICI Rubyx credit card gives you access to 8 national and international airport lounges in a year.
You will get 2 complimentary Railway and Airport lounge access in each quarter.
Here you can check the Airport Lung list.
This card also gives facility for Railway lounge access while traveling in trains.
Railway lounge access is a new facility added with Airport lounge access.
Customers will get a complimentary railway lounge visits per quarter on eligible credit cards and access will be applicable only for primary cardholders under the railway lounge program.
Eligible cardholders must present their valid, unexpired eligible cards and valid railway ticket at the entrance to the participating lounges to avail of the benefit.
Railway Lounge access is available only to primary cardholders.
Two complimentary Railway lounge access per quarter are available with this card.
Railway lounge access is currently available in railway stations of – Delhi, Agra, Jaipur, Ahmadabad, Madurai, and Kolkata
The complimentary access to the railway lounge will include the below facilities:
Two hours’ of lounge stay in normal seating
· Breakfast or Lunch or Dinner as per the time of the visit and as per the offering by the lounge operator at that particular time of visit
· Unlimited tea & coffee with cookies
· Free Wi-Fi
· Newspaper & magazine
Any additional service such as recliners or more shall be chargeable separate as per the operator price for that service
ICICI Rubyx Credit Card Lifetime free
ICICI Rubyx credit card is not free; there are 2000 annual fees charged. But if you can maintain 300000 transactions with this card each year, then annual charges can be waived.
ICICI Rubyx Credit Card Limit
Credit card limits depend on earnings, credit score, location, customer tenure, and transaction history.
ICiCI Rubyx Credit Card Eligibility
There are three must eligibility criteria to apply for a Rubyx credit card.
- Customers should be Indian citizens.
- The customer’s age should be 23 years for the primary card and 18 years to apply for a supplementary card.
- Customers should have a monthly salary of 50000 or 5.5 lakh annual incomes for those who are self-employed.
ICiCI Rubyx Credit Card Documents
- Valid ID proof such as Pan Card, Aadhar Card, Voter ID, or Driving Licence.
- A valid address proof.
- 3 months salary slip for salaried person and latest IT Return for self-employed.
- Passport size photograph
ICICI Rubyx Credit Card Customer Care
ICICI Rubyx Credit Card Customer Care Number is -(1800 1020 1239)
There are many other best products launched by ICICI Bank which are top-rated in the market such as ICICI Platinum Credit card, Amazon ICICI Credit Card, and ICICI Personal Loan. If you qualify for the eligibility criteria for the ICICI Rubyx credit card, then this is the best credit card for you.
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