ICICI Bank Rubyx Credit Card
Joining Fee: ₹3,000 + GST
Annual Fee: ₹2,000 + GST
Reward Type: Reward Points
Welcome Benefits
Travel & Shopping Vouchers: Worth Rs. 5,000 or more, provided within 30 days after paying the joining fee.
Reward Rate
4 Reward Points: On every international spend of Rs. 100.
2 Reward Points: On every domestic spend of Rs. 100.
1 Reward Point: On every Rs. 100 spent on utilities and insurance.
Reward Redemption
Redemption Rate: 1 Reward Point = Re. 0.25.
Cashback or Gifts: Points can be redeemed for cashback or a variety of gifts.
Travel Benefits
Domestic Lounge Access: 2 complimentary lounges per quarter with the Visa variant; 1 complimentary lounge access per quarter with MasterCard and American Express variants.
Railway Lounge Access: 2 complimentary lounges per quarter at select stations.
Movie & Dining Benefits
Movie Discounts: 25% off (up to Rs. 150) on a minimum of two movie tickets per transaction, twice a month on BookMyShow and INOX.
Dining Discounts: Discounts at partner restaurants through the ICICI Bank Culinary Treats Program.
Milestone Benefits
Spending Milestones:
3,000 Reward Points: On spending Rs. 3 lakh in a year.
1,500 Reward Points: For every additional Rs. 1 lakh spent in the same year.
Maximum Reward Points: Up to 15,000 additional Reward Points annually.
Renewal Fee Waiver: On spending Rs. 3 lakh or more in the previous year.
Other Benefits
Golf Benefits:
Complimentary Golf Lessons/Rounds: Up to 2 lessons/rounds per month for every Rs. 50,000 spent in the previous month.
Concierge Benefits:
24×7 Concierge Service: Assistance with hotel reservations, flight bookings, dining recommendations, and more through i-Assist.
Fuel Surcharge Waiver:
1% Waiver: On fuel transactions up to Rs. 4,000 across all fuel stations in India.
Insurance Benefits:
Coverage: Includes air accident, plane hijacking, lost baggage, delayed baggage, lost card, lost travel documents, and credit shield.
Summary
The ICICI Bank Rubyx Credit Card offers a robust set of benefits including extensive travel perks, valuable reward points, and lifestyle advantages. With its premium features such as complimentary lounge access, movie and dining discounts, and golf benefits, it is well-suited for those who value frequent travel and luxury experiences. The annual fee is high but can be offset by the rewards and benefits if you utilize the card's features effectively.
If you often travel, dine out, or use your credit card internationally, the ICICI Rubyx Credit Card could be a good fit for you.