ICICI Bank Rubyx Credit Card ek lifestyle-focused credit card hai jo travel, shopping, dining aur entertainment categories me achhe benefits offer karta hai. Yeh card Visa, RuPay, Mastercard aur American Express (AmEx) variants me available hai, jisse aap apni preference ke hisaab se network choose kar sakte hain.
Is card ki joining fee ₹3,000 + GST hai. Welcome benefits ke taur par up to ₹5,000 ke travel aur shopping vouchers milte hain. Iske alawa, eligible domestic aur international spends par ICICI Reward Points bhi earn kiye ja sakte hain. Domestic spends par har ₹100 par up to 2 Reward Points aur international spends par har ₹100 par up to 4 Reward Points milte hain.
Entertainment aur dining ke liye cardholders ko BookMyShow aur INOX par movie ticket offers ke saath ICICI Bank Culinary Treats Programme ke through partner restaurants par dining discounts bhi milte hain. Travel benefits ki baat karein, to card ke saath complimentary domestic airport lounge aur railway lounge access ka benefit bhi diya jata hai.
Agar aap ek aisa credit card dhoondh rahe hain jo everyday spends ke saath travel aur lifestyle benefits bhi offer kare, to ICICI Bank Rubyx Credit Card ek accha option ho sakta hai. Aage is review me hum card ke features, Reward Points, fees, eligibility, pros aur cons ko detail me samjhenge, taaki aap aasani se decide kar saken ki yeh card aapke liye sahi hai ya nahi.
ICICI Bank Rubyx Credit Card
Rewards and Benefits
›25% Discount Up to ₹150 on Movie Bookings Made With BookMyShow and INOX (Twice Each Month)
Redeem Points for Vouchers and More. 1 Reward Point = ₹0.25
2 Airport Lounge Visits Each Quarter on Spends of ₹75,000 or More in the Previous Quarter
Up to 2 Complimentary Golf Lessons/Rounds Each Month (Spend Based)
4 RPs/₹100 on International Spends, 2 RPs/₹100 on Domestic Spends and 1 RP/₹100 Spent on Insurance and Utilities
8 Free Railway Lounge Visits Each Year
N/A
Personal Air Accident Cover Worth ₹1 Crore and Several Other Travel Insurances
Fees & Charges
›Spend ₹3 Lakh or More Each Year to Waive Annual Charges
3.75% Per Month (45% Per Annum)
₹99 + GST
1% Waiver on Fuel Spends Between ₹400 and ₹4,000
3.5%
Higher of ₹500 or 2.5% of the Amount Withdrawn
Product Details
›- Domestic spends par har ₹100 ke eligible spend par up to 2 Reward Points aur international spends par up to 4 Reward Points.
- Utilities aur insurance spends par har ₹100 ke spend par 1 Reward Point.
- Welcome benefit ke taur par ₹5,000 se zyada ke travel aur shopping vouchers.
- BookMyShow aur INOX par minimum 2 movie tickets book karne par up to ₹150 tak discount. Yeh offer mahine me 2 baar liya ja sakta hai.
- ICICI Bank ke Culinary Treats Programme ke tahat partner restaurants par exclusive dining offers.
- ₹1 crore tak ka Personal Air Accident Cover aur ₹50,000 tak ka Lost Card Liability Protection.
- 24×7 i-Assist Concierge Service ke saath hotel booking, flight reservation, movie tickets aur gift delivery assistance ka benefit.
- Ek saal me ₹3 lakh spend karne par annual fee waiver ka benefit.
- Milestone spends poore karne par additional Reward Points earn karne ka mauka.
Pros/Cons
›- ₹1 crore tak ka Personal Air Accident Cover aur Lost Card Liability Protection jaise useful insurance benefits milte hain.
- BookMyShow aur INOX par movie ticket offers ka benefit milta hai, jo regular movie dekhne wale users ke liye kaafi useful ho sakta hai.
- International spends par Reward Points achhe milte hain, lekin forex markup fee standard rate ke aas-paas hi hai. Isliye foreign transactions ke liye yeh sabse rewarding option nahi hai.
- Complimentary airport lounge access ka benefit lene ke liye har quarter ₹75,000 spend karna zaroori hai, jo har user ke liye practical nahi ho sakta.
ICICI Bank Rubyx Credit Card Reward Points
ICICI Bank Rubyx Credit Card ke saath domestic aur international dono tarah ke eligible spends par ICICI Reward Points earn kiye ja sakte hain.
- International spends par har ₹100 ke spend par 4 Reward Points milte hain.
- Domestic spends par har ₹100 ke spend par 2 Reward Points earn hote hain.
- Utilities aur insurance spends par har ₹100 ke spend par 1 Reward Point milta hai.
Dhyan rahe ki international transactions par Reward Points milte hain, lekin card par 3.5% forex markup fee bhi lagti hai. Isliye agar aap frequently foreign currency me spend karte hain, to low forex markup wale cards ko bhi compare karna behtar rahega.
Reward Points Redemption
Earn kiye gaye ICICI Reward Points ko kai redemption options ke liye use kiya ja sakta hai, jaise:
- Gift Vouchers
- Travel Vouchers
- Product Catalogue
- Aur doosre eligible redemption options
1 ICICI Reward Point = ₹0.25 ke hisaab se redeem kiya ja sakta hai.
ICICI Bank Rubyx Credit Card Features and Benefits
ICICI Bank Rubyx Credit Card ke saath rewards ke alawa travel, entertainment, dining, golf aur lifestyle se jude kai benefits bhi milte hain. Agar aap ek all-round credit card dhoondh rahe hain, to iske features ko detail me samajhna zaroori hai.
Welcome Benefits
Card ki joining fee pay karne ke baad welcome benefits diye jaate hain.
- ₹5,000 ya usse zyada ke travel aur shopping vouchers welcome benefit ke roop me milte hain. Yeh vouchers aam taur par joining fee receive hone ke 45 din ke andar issue kiye jaate hain.
- Iske alawa 3 mahine ki complimentary EazyDiner Prime Membership bhi milti hai. Membership activate karne ke liye bank dwara diya gaya coupon code use karna hota hai.
Check Detailed Joining Benefits
Milestone Benefits
Regular spends karne par additional Reward Points bhi earn kiye ja sakte hain.
- ₹3 lakh spend poora karne par 3,000 bonus Reward Points milte hain.
- Iske baad har ₹1 lakh ke additional spend par 1,500 bonus Reward Points earn hote hain.
- Ek saal me maximum 15,000 bonus Reward Points milestone benefits ke tahat mil sakte hain.
- Agar pichhle card anniversary year me ₹3 lakh ya usse zyada spend kiya ho, to annual fee bhi waive ho jaati hai.
Airport Lounge Access
- Har quarter 2 complimentary domestic airport lounge visits ka benefit milta hai.
- Lounge access ke liye pichhle quarter me ₹75,000 ya usse zyada spend karna zaroori hai.
Railway Lounge Access
Primary cardholder ko har quarter 2 complimentary railway lounge visits milti hain. Yeh benefit selected railway stations ke Executive Lounges par available hai, jinme:
- Delhi
- Agra
- Jaipur
- Ahmedabad
- Madurai
- Kolkata (Sealdah)
shamil hain.
Movie and Dining Benefits
- BookMyShow par minimum 2 movie tickets book karne par 25% tak discount (maximum ₹150) milta hai.
- Is offer ka benefit mahine me 2 baar liya ja sakta hai (Mastercard aur American Express variants ke saath).
- ICICI Bank Culinary Treats Programme ke through partner restaurants par dining offers ka benefit bhi milta hai.
Golf Benefits
- Pichhle mahine ₹50,000 spend karne par 1 complimentary golf round ya golf lesson milta hai.
- Ek mahine me maximum 2 golf rounds ya lessons ka benefit liya ja sakta hai.
Concierge Services
Cardholders ko 24×7 i-Assist Concierge Service ka access milta hai.
Is service ke through aap:
- Hotel reservations
- Flight bookings
- Movie ticket bookings
- Restaurant reservations
- Car rental assistance
- Flower aur gift delivery
- Medical concierge support
- Emergency automobile assistance
jaise premium services ka benefit le sakte hain.
Fuel Surcharge Waiver
- Bharat ke sabhi fuel stations par ₹4,000 tak ke fuel transactions par 1% fuel surcharge waiver ka benefit milta hai.
ICICI Bank Rubyx Credit Card Fees and Charges
ICICI Bank Rubyx Credit Card apply karne se pehle iske fees aur charges ke baare me jaana bhi zaroori hai. Neeche card ke important charges diye gaye hain.
- Joining Fee: ₹3,000 + GST (Sirf pehle saal ke liye)
- Annual Fee: ₹2,000 + GST (Second year se applicable. Agar pichhle card anniversary year me ₹3 lakh ya usse zyada spend karte hain, to annual fee waive ho jaati hai.)
- Interest Rate: 3.75% per month (45% per annum)
- Cash Advance Fee: Cash withdrawal par 2.5% ya minimum ₹500, jo bhi zyada ho.
- Forex Markup Fee: International transactions par 3.5% forex markup charge lagta hai.
ICICI Bank Rubyx Credit Card Eligibility Criteria
ICICI Bank Rubyx Credit Card ke liye apply karne se pehle bank ke eligibility criteria ko poora karna zaroori hai.
| Applicant | Age | Minimum Income |
|---|---|---|
| Salaried | 21 – 65 years | ₹75,000 per month |
| Self-Employed | 21 – 65 years | ₹9 lakh per annum |
Approval sirf age aur income par hi depend nahi karta. Bank aapka CIBIL score, credit history, repayment record aur doosre internal eligibility checks bhi verify karta hai. Agar aapka credit profile accha hai, to card approval ke chances aur zyada badh jaate hain.
ICICI Bank Rubyx Credit Card ke Liye Kaise Apply Karein?
ICICI Bank Rubyx Credit Card ke liye aap online ya offline, dono tarikon se apply kar sakte hain.
Online Apply Karne ka Tarika
Online application ke liye:
- ICICI Bank ki official website par jaakar Rubyx Credit Card select karein.
- Apply Now par click karke application form bharein.
- Apni basic details aur zaroori information enter karein.
- PAN Card, Address Proof, Income Proof aur bank ke maange gaye documents upload karein.
- Form submit karne ke baad bank aapki application verify karega.
- Approval milne par credit card aapke registered address par dispatch kar diya jayega.
Offline Apply Karne ka Tarika
Agar aap branch se apply karna chahte hain, to:
- Apni nearest ICICI Bank branch visit karein.
- Rubyx Credit Card ka application form bharein.
- Zaroori documents submit karein.
- Verification complete hone ke baad application process aage badhaya jayega.
Cards Similar To ICICI Rubyx Credit Card
| Credit Card | Annual Fee | Reward Rate | Main Benefits |
|---|---|---|---|
| ICICI Bank Rubyx Credit Card | ₹2,000 + GST | Domestic spends par har ₹100 ke spend par 2 Reward Points aur international spends par 4 Reward Points. | Complimentary domestic airport lounge access, BookMyShow aur INOX par 25% tak movie discount, aur milestone benefits ke tahat har saal up to 15,000 Reward Points. |
| SBI Prime Credit Card | ₹2,999 + GST | Har ₹100 ke spend par 2 Reward Points aur dining, movies, grocery aur departmental stores par 5X Reward Points. | Spending milestone poora karne par up to ₹8,000 ke gift vouchers aur complimentary domestic aur international airport lounge access. |
| IDFC FIRST Ashva Metal Credit Card | ₹2,999 + GST | ₹20,000 tak ke statement spends par 5X Reward Points aur ₹20,000 se upar ke incremental spends par 10X Reward Points. | Complimentary domestic airport lounge access, BOGO movie offer aur sirf 1% forex markup fee. |
ICICI Bank Rubyx Credit Card Review
ICICI Bank Rubyx Credit Card un users ke liye accha option ho sakta hai jo ek hi card me rewards ke saath travel, entertainment aur lifestyle benefits chahte hain. Card ke saath Reward Points, complimentary railway aur domestic airport lounge access, movie ticket offers, dining discounts aur insurance benefits jaise kai useful features milte hain.
Agar aap regular spends karte hain, to milestone Reward Points aur annual fee waiver ka benefit bhi liya ja sakta hai. Saath hi, 24×7 i-Assist Concierge Service aur insurance cover is card ki overall value ko aur behtar banate hain.
Halaanki, airport lounge access ke liye spending condition poori karni hoti hai aur international transactions par 3.5% forex markup fee bhi lagti hai. Isliye card choose karne se pehle apni spending habits aur requirements ko dhyan me rakhna zaroori hai.
Agar aapka focus everyday rewards ke saath travel aur lifestyle benefits par hai, to ICICI Bank Rubyx Credit Card ek suitable option ho sakta hai.
FAQs
ICICI Bank Rubyx Credit Card ke saath railway lounge access kitni baar milta hai?
Cardholders ko har quarter 2 complimentary railway lounge visits milti hain. Is hisaab se ek saal me total 8 railway lounge accesses ka benefit liya ja sakta hai.
ICICI Bank Rubyx Credit Card ki annual fee kitni hai?
Is card ki annual fee ₹2,000 + GST hai. Agar aap card anniversary year me ₹3 lakh ya usse zyada spend karte hain, to yeh fee waive ho jaati hai.
Kya ICICI Bank Rubyx Credit Card ke saath welcome benefits milte hain?
Haan. Joining fee pay karne ke baad ₹5,000 tak ke travel aur shopping vouchers welcome benefit ke roop me milte hain. Yeh vouchers aam taur par 45 din ke andar issue kar diye jaate hain.
ICICI Bank Rubyx Credit Card par interest rate kitna hai?
Is card par 3.75% per month yani 45% per annum ka interest charge applicable hai.
Kya ICICI Bank Rubyx Credit Card ke saath air accident insurance milta hai?
Haan. Cardholders ko ₹1 crore tak ka Personal Air Accident Cover diya jata hai. Is benefit par bank ki terms and conditions apply hoti hain.
Kya ICICI Bank Rubyx Credit Card lifetime free hai?
Nahi. Is card ki joining fee ₹3,000 + GST aur annual fee ₹2,000 + GST hai. Halaanki, spending condition poori karne par annual fee waive ho sakti hai.
ICICI Bank Rubyx Credit Card ke Reward Points kaise redeem karein?
Earn kiye gaye ICICI Reward Points ko cashback (statement balance) ya gifts ke liye redeem kiya ja sakta hai.
1 Reward Point = ₹0.25
Reward Points redeem karne ke liye ICICI Bank Credit Card Customer Care se contact kiya ja sakta hai.