The ICICI Bank Rubyx Credit Card is a premium credit card that comes in two variants: Visa and Mastercard [ICICI Bank Rubyx Credit Card]. It offers a variety of rewards and benefits, including:
- Rewards: Earn up to 6 reward points on every Rs. 100 spent, with bonus points for international transactions and certain categories like utilities and insurance [ICICI Bank Rubyx Credit Card]. There’s also a milestone program where you can earn additional points for spending a certain amount in a year.
- Airport Lounge Access: Get complimentary access to airport lounges in India, with the number of visits varying depending on the card variant (Visa gets access to both Visa and Mastercard lounges, while Mastercard and Amex get access to their own lounges) [ICICI Bank Rubyx Credit Card].
- Other Benefits: Other benefits include welcome vouchers, golf access, and discounts on movie tickets [ICICI Bank Rubyx Credit Card].
Here’s a quick breakdown of the annual fees, types, and some key features:
- Fees: There’s a joining fee of Rs. 3,000 + GST and an annual fee of Rs. 2,000 + GST from the second year onwards. The annual fee is waived off if you spend more than Rs. 3,00,000 in the previous year [ICICI Bank Rubyx Credit Card].
- Types: The card comes in two variants – Visa and Mastercard – offering mostly similar benefits with slight variations in lounge access and movie ticket discounts.
- Features: Rewards program, airport lounge access, welcome vouchers, golf access, movie ticket discounts.
Here are some things to consider before applying for this card:
- Eligibility: You must be a citizen of India with a minimum monthly salary of Rs. 50,000 or a minimum annual income of Rs. 5.5 lakh if self-employed [ICICI Bank Rubyx Credit Card].
- Annual Fee: The annual fee can be waived off if you meet the spending criteria, but otherwise it can be a significant cost to consider.
- Benefits: The benefits suite is targeted towards frequent travelers and big spenders. If you don’t travel often or spend a lot on your credit card, this card may not be the best fit for you.
Overall, the ICICI Bank Rubyx Credit Card is a good option for high spenders and frequent travelers who can make use of the rewards program and airport lounge access. However, the annual fee can be a deterrent, so it’s important to consider your spending habits and needs before applying.
