ICICI Rubyx Credit Card
3 from 432 Users
3 from 432 Users
Welcome vouchers worth over ₹5,000
from Tata CLiQ, Tata Croma, EazyDiner, EaseMyTrip and more.
Earn up to 4 reward points per ₹100 spent
with 4 on international, 2 on domestic, and 1 on utility & insurance spends.
Shopping
Dining
Travel
Utility Bills
Joining Fees
₹3,540 ( ₹3000 + GST )
N/A
Annual Fees
₹2,360 ( ₹2000 + GST )
300000
Age Criteria
21-60 years
Salary Criteria
75000 LPA
Credit Rating*
720+
See if you are eligible for this card
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
Cashback, Vouchers, Merchandise, Travel, Mobiles, Appliances
To check redemption catalogue
All Benefits
• Get discounts on movie tickets each on BookMyShow and INOX, twice a month (25% off up to ₹150).
• Earn 4 reward points on every ₹100 spent internationally, 2 reward points on domestic spends, and 1 reward point on utility & insurance spends.
• Redeem points for Travel, Shopping, Health & Beauty, Home Appliances, Electronics, and Fashion & Lifestyle.
• Avail dining offers with Swiggy and select restaurants through Culinary Treats Programme
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Rent Payment
Fuel
EMI
Wallet Load
Rent & Property
Government Payments
Education Payments
Credit Balance Refund
Bank Charges & Fees
Reversal Transactions
Cancelled Transactions
Cash Advances
Dynamic Currency Conversion
Interest Charges
Payment of Card Fees
Insurance Premium
For Spends Waiver
Rent payment
Fuel
Insurance
EMI Transactions
Cash Withdrawals
Jewellery
School & Educational Services
Government related transactions
Wallet transactions
Load money
Fees
GST charges
All Reversals
Gambling
Tolls
Security Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
| Structure | Details |
|---|---|
Forex Markups   3.5% Forex Markups are levied if you use your card to make payment in any currency other than INR. This fee will be levied if you shop on any ecomerce website which accepts payment in currency other than INR or if you make a payment outside of India using a POS. Below mentioned table gives forex markup for most common spends | 3.5% |
APR Fees 3.75% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 57%
| 3.75% |
ATM Withdrawl | 3.75% |
Reward Redemption Fees | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge | 1.8% |
Rent Payment Fees | Nil |
Cheque Payment Fees | ₹100 |
Cash Payment Fees | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | 0 |
| ₹501 - ₹1000 | ₹100 |
| ₹1001 - ₹5000 | ₹500 |
| ₹5001 - ₹10000 | ₹600 |
| ₹10001 - ₹25000 | ₹750 |
| ₹25001 - ₹50000 | ₹900 |
| ₹50000 and above | ₹1100 |
TOP USPs
Welcome vouchers worth over ₹5,000
from Tata CLiQ, Tata Croma, EazyDiner, EaseMyTrip and more.
Earn up to 4 reward points per ₹100 spent
with 4 on international, 2 on domestic, and 1 on utility & insurance spends.
Apply Now