Introduction: You can reach beyond skies by making use of ICICI Rubyx Credit card. You can get an exceptional lifestyle, benefits of joining and entertainment by using this credit card. As a part of the Visa Signature Line, this credit card becomes unique as it comes with a rewards program which is customizable and has several attractive offers from partner stores. This is a chip and PIN-enabled credit card among the ICICI Bank Credit cards and can be used for making secure online purchases or PoS transactions without worrying about cyber attacks or fraudulent activities when you are using this card for making purchases.
A guide to ICICI Bank Rubyx Visa Credit Card benefits, features
This credit card will be available only for certain customers of ICICI Bank and this will come with many benefits.
As a welcome offer, if you have an ICICI Bank Rubyx Credit card, you will be able to receive a pair of Sennheiser HD219 Headphones after the payment of joining fees. This gift will be delivered to your doorstep within the 30 days of annual fee payment.
Annual fees or joining fees
You will be required to pay a joining fee of an amount of Rs.3,000/- plus service tax when you are procuring this credit card. An annual fee of an amount of Rs.2,000/- added with service tax should be paid from the second year onwards and this fee can be waived off if you are spending more than the amount of Rs.2,50,000/- in a year.
Transactions made secure with PIN/Chip
This credit card will come with a microchip embedded in it and this will protect the transactions from duplication and counterfeit. An additional layer of protection will come from the PIN number which has to be provided for each PoS transaction. Online transactions can be secured fully by making use of Verified by Visa Services.
You will be able to enjoy a waiver on a surcharge of 2.5% on the transactions made on fuel at any petrol stations present in India and the maximum amount of purchase should be Rs.4,000/-.
This credit card comes with a bunch of features as this is a one-of-a-kind card.
Flexible rewards plan
ICICI Bank will provide an exciting option of rewards plans which are customized under the Rewards Programs which are hand-picked. As per your lifestyle needs and the categories od spends, the design of your rewards plan can be done and used. You will also have this flexibility to change your rewards plan as per your pattern of spending and this change can be made for every 6 months.
You will be able to receive up to 4 hand-picked reward points as a bonus for each amount of Rs.100/- spent by making use of an ICICI Bank Rubyx Visa Credit card. Purchases which are made for travel, shopping and other necessities can get you 4 hand-picked reward points and all the other types of transactions will provide you with two reward points.
Shopping category – Grocery, Supermarkets, retail stores, fashion, electronics, consumer durables, departmental stores.
Travel – Bookings which are made through portals, airlines, hotels, agents and car rentals.
Essentials – Supermarkets, groceries, wellness, utilities, payments of the bill, hospitals, spas, healthcare.
You may also like the Credit Card EMI Option.
Privileges of ICICI Bank
ICICI Bank Rubyx Visa Credit cardholders will be able to enjoy deals like “Buy 1 Get 1” on the purchase of movie tickets on the official website or app of Bookmyshow on any weekday. You will be able to receive a maximum of two tickets which are worth an amount of Rs.250/- for free each month. These tickets will be provided on a first come first serve basis and this is also completely based on the availability.
Spa and wellness
You will be able to use your ICICI Bank Rubyx Visa Credit card for getting excellent packages on spa and wellness throughout India.
You will be able to receive a maximum of 30% discount on Ayurvedic packages and a discount of 50% on the evaluation of fitness and personal lifestyle with the analysis of Dosha.
Privileges on Golf
You will be able to get one round of golf as a complimentary if the complete transaction of retail purchase on your cards is an amount of Rs.1 lakh or more for the previous month. This complimentary benefit will be applicable only for a month.
You may also consider SBI Foreign Travel Card Benefits.
Culinary Treats Program
Under this program of ICICI Bank, you will be able to receive a minimum discount of 15% on the bills of dining at all the restaurants which are partnered with ICICI bank.
i-Assist Concierge Services
You will be able to enjoy 24/7 concierge services which are premium and this will provide you assistance for making hotel reservations, travel bookings, car bookings, movie tickets etc.
Below services are rendered
- Bookings of hotels
- Bookings at restaurants.
- Flight bookings.
- Limo services or Car rentals.
- Flower delivery or gift delivery services.
- Booking tickets for movies which include delivery to your doorstep.
- Medical concierge benefits.
- Emergency auto assistance across India.
Privileges offered by Visa
Visa lounge access to airports
You will be able to enjoy complimentary access to premium Visa lounges present throughout India by making use of this credit card. You will be able to receive up to two free visits in 3 months. The privileges which are given are free Wi-Fi gourmet meals, entertainment along with bar services. The participating airport lounges are Carnations Lounge, Travel Club(TFS), Plaza Premium Lounge and Plaza Premium Lounge.
Eligibility Criteria required for the application of ICICI Bank Rubyx Visa Credit card
Current ICICI Bank Credit cardholders will be able to apply for this credit card in an easy manner.
ICICI Bank Rubyx Visa Credit Card fees and charges
- ICICI Rubyx Credit card annual fee – There will be no annual fees charged on this credit card and a charge for Rs.2,000/- from the second year.
- An amount of Rs.3,000/- will be charged as joining fee on this Rubyx Visa Credit Card.
- Annual fee charged on this add-on credit card will be Nil.
- Overdue rate of interest on extended credit will be 3.40% per month which will become 40.8%.
- Rate of interest in cash advance 3.40% per month which would be summed up to 40.80% per year.
- Rates of interest on total amount due will be 1.25% to 3.50% per month.
- Interest free period will be between 18 to 48 days.
- Transaction fee for cash advance is 2.5% of the amount of advance or a minimum amount of Rs.300/-.
- Transaction fee for dial-a-draft is 3% of the amount of draft which would be subjected to a minimum amount of Rs.300/-.
- Charges for return of cheque or auto-debit return is 2% of the total due amount which would be subjected to a minimum amount of Rs.250/-.
- Fee for request of duplicate statements is an amount of Rs.100/-.
- Fee for replacement of this credit card is an amount of Rs.100/-.
- Fee for over-limit is 2.5% of the amount of over-limit which would be subjected to a minimum of Rs.500/-.
Late payment charges
- No charge – for the outstanding balance amount below Rs.100/-.
- 100/- – for the outstanding balance amount between Rs.101/- to Rs.500/-.
- 500/- – for the outstanding balance between Rs.501/- to Rs.10,000/-.
- 600/- – for the outstanding balance amount between Rs.10,001/- to Rs.20,000/-.
- 700/- – for any outstanding statement balance above Rs.20,000/-.
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