ICICI Bank Rubyx Credit Card Review

ICICI Bank Rubyx Credit Card is first dual platinum credit cards in India. You get 2 credit cards with one account: ICICI Bank Rubyx Mastercard Credit Card and ICICI Bank Rubyx Platinum American Express® Credit Card. This card has wide range of benefits that specially targets the big spenders.ICICI Bank Rubyx Credit Card Review

 

Main Features of ICICI Bank Rubyx Credit Card

  • Joining Fee: Rs. 3000 + GST
  • Annual Fee (2nd year onwards): Rs. 2,000 + GST
  • Culinary Treats Programme: 15% savings on dining bills at 2,500 restaurants across India. For more details visit: culinarytreats.com
  • Interest Rate: 3.35% + GST
  • Foreign Transaction Fee: Mark-up of 3.5%
  • 1 Reward point = Rs. 0.25

Features and Welcome Benefits of ICICI Rubyx Credit Card

Welcome gift

  • You get welcome vouchers of travel and shopping worth Rs. 5000 within 30 days of payment of joining fees.

Annual fee savings

  • If you spend more than 3,00,000 in the previous year then the Annual Fee is waived off.

Bookmyshow and INOX

  • Complimentary movie tickets every month under the Buy 1 Get 1 offer at: bookmyshow.com and www.inoxmovies.com.
  • You can get up to 2 free tickets for every month valued up to Rs. 300 per ticket.
  • Successful Bookmyshow/INOX booking is on first come, first-serve basis and is subject to daily stock availability.

Airport and Railway Lounge Access

  • You get 2 complimentary domestic airport lounges well as railway lounge Access visits per quarter, courtesy of MasterCard and American Express.

Golf rounds

  • You get a complimentary Golf Round or Lesson for every 50,000 retail spends in the previous calendar month, maximum of up to 2 rounds every month.
  • This offer will be visible in your Golftripz account after the 10th day of the next month.
  • It will be available for you to play anytime in the next 2 months.

Fuel Surcharge Waiver

  • 1% fuel surcharge waived off on fuel transactions at any fuel outlet.

Rewards Plan

  • Earn bonus rewards of up to 6 PAYBACK Points on every 100 spent
  • You get 2 PAYBACK Points on the ICICI Bank Rubyx Mastercard Credit Card when you spent Rs. 100 on Domestic spend (except fuel).
  • You can 3 PAYBACK Points on the ICICI Bank Rubyx Platinum American Express® Credit Card Card when you spent Rs. 100 on Domestic spends (except fuel).
  • Earn 4 PAYBACK Points on the ICICI Bank Rubyx Platinum American Express® Credit Card when you spent Rs. 100 on International spends.
  • You can 6 PAYBACK Points on the ICICI Bank Rubyx Platinum American Express® Credit Card Card when you spent Rs. 100 on on International spends.

Milestone Rewards program

  • You get 3,000 PAYBACK Points on spending Rs. 3,00,000 on your card.
  • Earn 1,500 PAYBACK Points each time you cross Rs. 1,00,000 spend thereafter in an anniversary year; maximum of 15,000 PAYBACK Points per year.
  • You also get 1 PAYBACK Point on every Rs. 100 spent on utilities and insurance categories.
  • Can earn 50% more rewards on the ICICI Bank Rubyx American Express Credit Card.
  • The rewards can be easily redeemed for an exciting selection of gifts or cash.
  • Each reward point is equal to Rs. 0.25 when redeemed for cash.
  • To redeem your PAYBACK Points in cash: The equal cash amount will be credited to your credit card account within 7 working days.
  • To redeem your PAYBACK Points for gifts: You will receive the gift of your choice within 10 working days.

Insurance

  • You get an air accident insurance of 1 crore and a lost card liability of Rs. 50,000 that includes loss up to 2 days prior to reporting the same.
  • Account Takeover Cover: You remain protected in the case your personal details being accessed and misused by a third person.

American Express Privileges

  • American Express® Connect: It provides a wide array of special offers across categories such as Lodging, Travel, Retail, Dining,and Online Shopping.
  • American Express® ezeClick: American Express ezeClick is a smarter, faster and safe online payment solution. It replaces the requirement to enter Credit Card details every time you shop online with just a single User ID.
  • American Express EPAY: Enjoy the ease of automatic payments for gas, electricity and many more through ‘AutoPay’, without worrying about writing cheques, due dates or standing in queues.

Mastercard Privileges

  • MasterCard Moments: This is exclusively created MasterCard cardholders. There are various programs which enables the users to enjoy additional benefits such as Max Healthcare Offer, MasterCard Epicurean Experiences and others.

Comparision of ICICI Rubyx Credit Card and ICICI Sapphiro Credit Card

Ø  ICICI Rubyx Credit Card Ø  ICICI Sapphiro Credit Card
  • Joining Fee: Rs.3,000+GST
  • Joining Fee: Rs.6,500+GST
  • Welcome vouchers worth Rs. 5000
  • Welcome vouchers worth Rs. 10,000
  • Annual fee: 2,000 + GST
  • Annual fee: Rs. 3,500 + GST
  • Annual fee is NIL when card spends are greater than Rs.  3,00,000 in the previous year
  • Annual fee is NIL when card spends are greater than Rs.  6,00,000 in the previous year
  • Earn up to 15,000 bonus points every anniversary year
  • Earn up to 20,000 bonus points every anniversary year
  • Complimentary domestic airport and railway lounge visits
  • Complimentary international airport lounge access and Spa sessions
  • 2 complimentary rounds of golf every month at the golf course.
  • 4 complimentary rounds of golf every month at the golf course.

 

Thus, you can go for ICICI Rubyx Credit Card to enjoy various benefits from American Express or MasterCard depending upon the variant you select.

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