ICICI Bank Rubyx Credit Card
Financial Expert Advice
Choose Your First (or Next) Credit Card Wisely
"Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.
Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;
and lead to unnecessary debt. Focus on stability & discipline."
ICICI Bank Rubyx Credit Card Review
"Crafted for Your Comfort"
Introduction
The ICICI Bank Rubyx Credit Card is a premium lifestyle card from ICICI’s Gemstone Collection, designed for high-spending individuals who value travel, entertainment, and a suite of lifestyle privileges. With its dual card feature (Visa/Mastercard and American Express), the Rubyx offers enhanced acceptance and a comprehensive range of benefits, making it a strong contender for those seeking a well-rounded credit card experience, Here’s a detailed review to help you decide if this card is right for you.
Key Features and Benefits
Welcome Vouchers
- Welcome Vouchers Worth ₹5000 from Tata CLiQ, Tata Croma, Uber, EaseMyTrip and more.
Reward Structure
- Earn Reward Points Smartly: Get 4 points per ₹100 on international spends, 2 on domestic spends, and 1 on utilities & insurance—helping you stack up rewards faster on lifestyle and travel expenses.
- Redeem with Flexibility: Use your points across categories like health & beauty, travel gear, shopping vouchers, appliances, electronics, and fashion—turning everyday spends into premium perks.
Golf Privileges
- Up to 2 complimentary rounds of golf every month at select courses, based on eligible monthly spends.
Movie Discounts
- Get 25% discount (up to ₹150) on movie tickets each on BookMyShow and INOX, twice a month.
24x7 concierge services
- Get round-the-clock assistance.
Lounge Access
- 2 Complimentary Domestic Airport Lounge Visits Per Quarter (Visa: 2/Quarter; Mastercard/Amex: 1/Quarter).
- 2 Complimentary Railway Lounge Visits Per Quarter.
- Subject To Minimum Quarterly Spend Of ₹5,000 In The Previous Quarter.
Milestone Benefits
- Get 3,000 Reward Points on ₹3 lakh spend & 1,500 for every additional ₹1 lakh spend.
Insurance Cover
- Get Air Accident Insurance cover Up to ₹1 crore.
Culinary Delights
- Get dining discounts with Culinary Treats Programme.
Fuel surcharge waiver
- Get 1% waiver on fuel transactions worth ₹400 - ₹4,000 at all fuel pumps.
Annual Fee and Charges
- Joining Fee ₹3,000 + GST.
- Annual Fee ₹2,000 + GST (from 2nd year) Waived on annual spends of ₹3 lakh or more.
Struggling to keep up with mounting credit card bills?
Card Essential
| Type | Reward Points |
| Welcome Benefits | Get Vouchers Worth ₹5000*. |
| Annual Fee | ₹2,000 + GST |
| Reward Structure | Rewards On SPENDS |
| Renewal Benefit | Spend ₹3 Lakh+ annually, get your renewal fee waived. |
Rewards and Benefits Analysis
Practical Considerations
- Best for: High spenders, frequent travelers, and those seeking a versatile lifestyle card with travel, dining, golf, and entertainment perks.
- Annual Fee Waiver: Achievable with ₹3 lakh annual spend.
- Lounge Access: Spend-based eligibility; primary cardholder only.
- Dual Card Feature: Maximizes network offers and acceptance.
Redemption Options
- Redeem points for shopping, travel, luxury products, or cashback via the ICICI rewards portal.
- Welcome vouchers for Tata CliQ, EaseMyTrip, Uber, and Croma.
- Reward Redemption Fee ₹99 per redemption.
Ideal User Profile
Affluent professionals and business owners with annual spends of ₹3 lakh or more.
Frequent travelers who value airport and railway lounge access.
Golf and dining enthusiasts seeking premium privileges.
Movie lovers who can maximize BookMyShow and Inox offers.
Users comfortable with a moderate annual fee for a diverse suite of lifestyle benefits.
Final Thoughts
The ICICI Bank Rubyx Credit Card is a well-rounded premium card that delivers strong value for high spenders who travel, dine out, and enjoy entertainment. Its unique dual card feature, milestone rewards, and comprehensive lifestyle perks make it a compelling choice for those looking to elevate their everyday experiences. For the right user, the Rubyx offers excellent returns and a touch of luxury.
Additional Tips for Applicants
- Eligibility Criteria: Indian citizens aged 21 or above are eligible if they’re salaried with a minimum monthly income of ₹75,000, or self-employed with an annual income of ₹9 lakh.
Plan your annual spends to qualify for the annual fee waiver.
Maximize lounge, golf, and dining benefits for best value.
Redeem points for travel or luxury vouchers for higher returns.
This review provides a balanced view of the card's strengths and weaknesses, helping readers make informed decisions about whether the ICICI Bank Rubyx Credit Card aligns with their
Spending Habits And Financial Goals.
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