ICICI Rubyx Credit Card

Best For

Shopping

Dining

Travel

Utility Bills

Joining/Annual Fees

Joining Fees

₹3,540 ( ₹3000 + GST )

N/A

Annual Fees

₹2,360 ( ₹2000 + GST )

Annual Fee is waived after spending 300000

Eligibility

Age Criteria

21-60 years

Salary Criteria

75000 LPA

Credit Rating*

720+

See if you are eligible for this card

How to redeem?

Rewards Conversion Rate

1 Reward Point = ₹0.25

Redemption Options

Health & Beauty
Travel & Luggage
Shopping Voucher
Home Appliances
Electronics
Fashion & Lifestyles

To check redemption catalogue

Click Here

All Card Benefits

All Benefits

Get 25% off up to ₹150 on movie tickets at BookMyShow and INOX, twice a month
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 & Luggage, Shopping Vouchers, Health & Beauty, Home Appliances, Electronics, and Fashion & Lifestyle

Bank Exclusions

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

Bank Fee Structure

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 ₹100 = ₹3.5 ₹1,000 = ₹35 ₹10,000 = ₹350 ₹1,00,000 = ₹3,500	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 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)	2.5%
Reward Redemption Fees ₹99 (₹25 for some catalogue / partner redemptions)	₹99
Link for all T&Cs	Click Here
Railway Surcharge A surcharge of 1.8% is applied to transactions made for booking railway tickets	1.8%
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card	1%
Cheque Payment Fees	N/A
Cash Payment Fees ₹150 cash payment fee per deposit	₹150

Late Payment Fees Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared	Amount Due
₹0 - ₹500	0
₹501 - ₹1000	₹100
₹1001 - ₹5000	₹500
₹5001 - ₹10000	₹600
₹10001 - ₹25000	₹750
₹25001 - ₹50000	₹900
₹50000 and above	₹1100

All Card USPs