आईसीआईसीआई रुबिक्स क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: ICICI Bank Ltd.
Dual-network gemstone card offering golf rounds, 2 domestic lounge visits per quarter, BookMyShow discounts, and RuPay UPI payment integration.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
ICICI Rubyx is India's first dual-card credit product in the mid-premium segment. Issued as two physical cards on different payment networks (Visa/Mastercard + RuPay) linked to a single credit account, it combines golf privileges, BookMyShow discounts, 2 domestic lounge visits per quarter, and UPI scan-and-pay capability.
Shopping and travel vouchers worth over ₹5,000 credited within 45 days of paying the joining fee and completing first purchase.
2 complimentary domestic airport lounge visits per calendar quarter upon spending ₹35,000 in previous quarter. 2 complimentary domestic railway lounge visits per quarter.
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 across all petrol pumps in India.
Complimentary rounds of golf (up to 2 per month) based on qualifying monthly retail spends. 25% discount on BookMyShow and INOX movie tickets twice a month (up to ₹150 per ticket).
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹50,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹6,00,000.
न्यूनतम वार्षिक आय आवश्यकता
₹50,000/month (Salaried) / ₹6,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Driving License 3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet 4. Passport-size photograph.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Airport lounge access requires spending ₹35,000 in the preceding quarter. No international airport lounge visits are included on Rubyx. Base reward rate is 0.50%. Standard 3.50% forex markup applies.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit icicibank.com/rubyx or check pre-approved offers in iMobile Pay. Step 2: Enter PAN and mobile number for soft credit check. Step 3: Select ICICI Rubyx Dual Card option. Step 4: Confirm salary, employer name, and residential details. Step 5: Complete online Video KYC session with bank official. Step 6: Both physical cards (Visa/Mastercard + RuPay) dispatched within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on ICICI Rubyx Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).. In addition, revolving finance charges at 3.50% per month (42.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on ICICI Rubyx Credit Card into EMI?
Yes, ICICI Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on ICICI Rubyx Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into ICICI Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹0.25 (effective 1.00% on accelerated categories, 0.50% base). Please note: Reward points expire 3 years (36 months) from the date of accrual.
What is the interest-free grace period on ICICI Rubyx Credit Card and how does it work?
The interest-free period on ICICI Rubyx Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.50% per month (42.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.