ICICI Bank Rubyx Credit Card Features , Benefits And Charges

Introduction :

A strong competitor is the ICICI Bank Rubyx Credit Card, which has a wealth of features to meet a variety of budgetary requirements. Let’s examine the nuances of this credit card and discover the benefits that make it an appealing option for anyone looking for a flexible and profitable financial instrument.

Features :

• Chip and Pin security
  • The Personal Identity Number (PIN) on the new chip cards adds an additional degree of security.
  • For purchases at merchant outlets, you will need to input your PIN on the terminal.
  • Click here to learn more about PIN and chip security.
  • Online transactions do not require this PIN.
• Mighty Reward Plan
  • Discover endless thrills with the ICICI Bank Rewards Program! The world of rewards is at your fingertips with your ICICI Bank Credit Card.
  • Get 1 reward point for every ₹100 spent on utilities and insurance, 4 reward points for every ₹100 spent abroad, and 2 reward points for every ₹100 spent domestically.
  • It’s easy to redeem your ICICI Bank Rewards Points, so you can treat yourself to the best things in life. There are many different ways to redeem your ICICI Bank Rewards Points, ranging from lifestyle items to movie and travel vouchers. Transform points into phones, appliances, and more to improve your quality of life and make each decision worthwhile.

Charges :

1. First year annual fee – Rs 3,000 plus GST
2. Second year onwards annual fee – Rs 2,000 plus GST (Waived on spending Rs 3,00,000 and more)
3. Finance charge for cash advance – 3.40% per month
4. Overdue interest in extended credit 3.40% per month
5. Over-limit charge – 2.50% of over-limit amount, subject to a minimum of Rs 500
6. Cash advance charge – 2.50% of advanced amount, subject to a minimum of Rs 300
7. Redemption handling feeRs 99
8. Late payment charge –
   • Below Rs 100 – Nil
   • Rs 100 to Rs 500 – Rs 100
   • Rs 501 to Rs 10,000 – Rs 500
   • Above Rs 10,000 – Rs 750
9. Return cheque fee – 2% of amount due, subject to a minimum of Rs 450
10. Auto-Debit return fee -2% of amount due, subject to a minimum of Rs 450
11. Cash payment at branches fee – Rs 100 per transaction
12. Outstation cheque processing fee – 1% of cheque value, subject to a minimum of Rs 100
13. Foreign currency transaction fee – 3.5% of transacted/converted amount
14. Duplicate statement – Rs 100
15. Card replacement fee – Rs 100
16. Charge slip fee – Rs 100 per slip

• After paying a joining fee of ₹ 3,000 plus goods and services tax, you will receive welcome coupons good for travel and shopping totaling more than Rs 5,000 within 30 days.
• From the second year onward, you pay an annual fee of ₹ 2,000 plus goods and services tax. If you spent more than ₹ 3,00,000 in the previous year, this fee is waived.

Insurance :

• Stay protected with an 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.
• Account Takeover Cover: Remain protected in the event of your personal details being accessed and misused by a third person.
  • Plane Hijacking – 75,000
  • Delay of Checked in Baggage – 21,000
  • Card Liability Cover – 50,000
  • Delay in Flight – 17,500
  • Baggage Insurance – 25,000
  • Loss of Passport and travel related documents – 35,000
  • Personal Accident due to Air (Death only) – 1,00,00,000
  • Loss of Checked in Baggage – 84,000
  • Credit Shield – 50,000
  • Missing of Connecting International Flight During Transit – 21,000

Eligibility Criteria :

1. You have to be an Indian citizen.
2. For a primary card, you must be at least 21 years old, and for a supplemental card, you must be at least 18 years old.
3. You need to be earning at least Rs 50,000 per month. If you work for yourself, you have to make at least Rs 5.5 lakh a year.

Benefits :

Discounts at INOX –

• Get a 25% discount up to Rs. 150 when you buy a minimum of two movie tickets at a time through the Inox Box Office, Inox app, or www.inoxmovies.com. You may take advantage of the offer twice a month.
• First come, first served policy applies to successful reservations, and daily stock availability is a determining factor.
• Get your ticket at www.inoxmovies.com right now.

Lounge Access –

• With your ICICI Bank Rubyx Credit Card, you can enhance your travel experience by receiving free access to a number of lounges at Indian airports and train stations. Please show your card at the lounge reception to be eligible.

Golf –

• Get ready for a unique golfing experience. Get the best possible swing with special access and benefits to the most recognizable golf courses in India and across the globe.
• You can receive a free golf round or lesson as an ICICI Bank Rubyx Credit Cardholder for every ₹50,000 in retail purchases made in the preceding calendar month*. You can receive up to two rounds per month.

To book your game –

• Just go to www.teetimes.golftripz.com and register for a Golftripz account with the email address you used to sign up for your ICICI Bank credit card.
• After the tenth day of the following month, the free round of golf will be available in your Golftripz account. You have the next two months to play this at your convenience.
• Choose your favorite time slot by exploring the available tee times at your leisure.
• Manage all of your reservations online.

Concierge Services :

• our top-notch concierge service, handles all of your needs, including booking cars, delivering movie tickets right to your door, and handling travel and hotel arrangements. We’re available around-the-clock. Please call 1800 26 70731 (toll free for MTNL/BSNL) or 022 6787 2016 (standard call charges apply) to reach the i-Assist team.

The services include –

• Reservations & referrals for hotels
• Reservations & restaurant recommendations
• Referral and reservation for flights
• Rental cars and limousine services
• Help with flowers and gifts
• Purchasing and shipping cinema tickets
• privileges of a medical concierge
• Auto emergency support throughout India

Fuel Surcharge Exemption :

• When the card is swiped at any fuel outlet, there is a 1% fuel surcharge waiver on all fuel transactions up to Rs 4,000.

Discounts On BookMyShow :

• Get a 25% discount up to Rs. 150 when you buy at least two movie tickets at a time on bookmyshow.com. You may take advantage of the offer twice a month.
• Successful reservations are subject to daily stock availability and are filled on a first-come, first-served basis.

How To Apply :

Apply through our website www.quickpolicy.in/icici APPLY NOW

Documents Required : 

1. Identity Proof: Valid government-issued ID card.

2. Address Proof: Utility bills or any document verifying the applicant’s address.

3. Income Proof: Salary slips, income tax returns, or other documents validating financial capacity.

Host of benefits :

1. After paying the joining fees, get incredible welcome vouchers worth more than ₹ 5,000 within 45 days.
2. A Tata CliQ Voucher valued at INR 2000
3. ₹ 2000 in EaseMyTrip vouchers (two vouchers, each worth ₹ 1000)
4. Uber gift card valued at ₹250
5. Tata Croma Vouchers totaling ₹1000 (worth ₹500 each for two vouchers)
6. With the ICICI Bank Rubyx Credit Card, you can accrue up to 15,000 ICICI Bank Reward Points on your anniversary each year.
7. Receive two complimentary rounds of golf each month (one round for every ₹50,000 spent in the prior month).
8. Two complimentary passes per quarter to certain Indian airport lounges, each on a VISA version. Two complimentary passes per quarter, one for American Express and one for MasterCard, are given access to specific airport lounges in India.
9. Get a 25% discount up to Rs. 150 when you buy a minimum of two movie tickets on BookMyShow and Inox when using a VISA variant. You can use the offer on BookMyShow and Inox once a month each. (One ticket each for American Express and MasterCard versions.)

Conclusion :

One credit card that stands out for its value and versatility is the ICICI Bank Rubyx credit card. This credit card offers a wide range of benefits that meet the financial needs of the modern person, from generous reward programs to premium lifestyle privileges. Accept the power of the Rubyx Credit Card to enter a world where each transaction serves as a springboard to a more satisfying financial experience.