ICICI Bank Rubyx Credit Card

ICICI Bank Rubyx Credit Card is India’s first dual credit card India. It is one of the most popular and much-liked premium cards of ICICI Bank. It offers you an option of applying for 2 credit cards with one account along with the benefit of 2 choosing of two reward programs based on your spending category like shopping, essential, or travel as per your lifestyle requirements.

Features and Benefits of ICICI Bank Rubyx Credit Card

  • Offering flexible reward points
  • Makes you enjoy a host of privileges be it entertainment, dining, wellness, or golf course memberships. Up to 15% discount on dining at partnered restaurants
  • Offers you a complimentary gift of Sennheiser HD219 headphones on taking the card membership.
  • The card comes with Pin and Chip security to protect the cardholders against counterfeiting and card duplication.
  • Get air accident insurance cover of Rs.1 crore, lost card liability cover of Rs.50,000, and account takeover cover in the case of misuse of your details by a third party.
  • 24x7 premium concierge services
  • Get shopping and travel vouchers worth Rs 5000.
  • Enjoy up to 2 complimentary rounds of golf every month.
  • Enjoy up to 2 complimentary domestic airport lounge and 1 railway lounge visit per quarter.
  • Enjoy buy 1 get 1 movie ticket free offer
  • You will get 15,000 additional PAYBACK points every anniversary year.
  • Cardholders can bag a 1% fuel surcharge waiver on fuel transactions at any fuel outlet.
  • Get 20% off on Ayurvedic packages and 50% off on personal lifestyle and fitness evaluation at Kairali.

The Reward Program of ICICI Bank Rubyx Credit Card

  • The cardholder is allowed to choose from 3 different reward plans based on the spending category like shopping, entertainment, travel, or lifestyle.
  • The cardholder on using this card earns 2 times reward points on the chosen spending category.
  • 6 PAYBACK points on making purchases at partner outlets.
  • 1 PAYBACK point equals RS.0.25.
  • You can call on customer care to redeem your PAYBACK points. Cash credit will be credited to your credit card account within 7 working days.
  • Visit the PAYBACK website to choose a gift of your choice for redemption. You will receive the gift within 10 working days.

ICICI Credit Card Customer Care

There are various ways to contact ICICI Customer Care. You can contact via SMS, Call, or Email. Here are the ways:

Contact on ICICI Credit Card Customer Care Toll-free number

For any queries or grievances related to your ICICI Credit Card, you can call on toll-free number 1800 200 3344 between 9 p.m. to 6 p.m. from Monday to Friday

Email address of ICICI Customer Care

There are various ways to contact ICICI Customer Care. You can contact me via SMS, Call, or Email. Here are the ways:

The eligibility criteria to apply for the ICICI Rubyx Credit Cards

  • You must be a citizen of India.
  • The minimum age to apply for this credit card is 23 years old for the primary card and 18 years old for the supplementary card.
  • You must have a minimum monthly salary of Rs.50,000. If you are self-employed, the minimum annual income must be minimum Rs.5.5 lakhs
  • Must be having a good credit score of 750, or above.

The documents required to apply for ICICI Bank Rubyx Credit Card:

  • One must have a valid KYC document such as a Voter Id card, Aadhaar Card, Passport, Driving License, etc.
  • Permanent Account Number (PAN) card or Form 60 if PAN is unavailable.
  • Income proof such as salary slips and income tax returns.
  • Bank or credit card statements.

Fee and charges

Joining fee Rs 3000
Annual fee Rs 2000
Finance Charges 3.40% p.m./40.80% p.a.
Overlimit charges 2.50% of the amount/Min. Rs. 500
Reward Redemption fee Rs 99
Late Payment Charges Amount:
Less than Rs. 100 – None
Between Rs. 100 and Rs. 500 – Rs. 100
Between Rs. 501 and Rs. 10,000 – Rs. 500
More than Rs. 10,000 – Rs. 750
Foreign Currency Transaction 3.50%
Card replacement Fee Rs 100
GST applicable on all fee and charges 18%

How to apply for ICICI Credit Card at IndiaLends Platform

We provide you hassle-free and simple ways to apply for a credit card. You have to enter few basic details and we suggest the best credit card offers for you. Follow the steps given below to apply:

  • Click here to start the application process.
  • Enter your basic details like occupation, monthly income, city, and contact number. You will now see a list of credit cards for which you meet the basic eligibility criteria.
  • Find your preferred ICICI credit card from the list and check your eligibility for the same.
  • If eligible, you can complete the online application

Once you apply, you will get a call from our representative who will assist you in delivering the credit card of your choice to your doorstep.