ICICI Rubyx Credit Card Review – Compare & Apply Loans & Credit Cards in India- Paisabazaar.com


ICICI Rubyx Credit Card Rating
Reward Points                    ★★★
Welcome Bonuses             ★★★★
Travel Benefits                   ★★★★
Dining & Lifestyle              ★★★
Additional Benefits            ★★★
Paisabazaar’s Rating           ★★★

ICICI Rubyx Credit Card is India’s first dual platinum credit card providing exclusive benefits to you across all categories including lifestyle, dining, golf, travel, movie and a lot more. Basically you get 2 credit cards with one account- Mastercard variant and American Express variant. The card also offers PAYBACK points, giving you great discounts on retail purchases. ICICI Rubyx has a wide range of benefits that specifically targets the big spenders. Here’s our review that will help you know more about the card and if the card is the ideal fit for you or not.

Key Highlights of ICICI Rubyx Credit Card

  • Get welcome vouchers on shopping and travel worth Rs.5000
  • Receive up to 15,000 PAYBACK points every anniversary year
  • 1 PAYBACK point= Rs.0.25
  • Get 2 complimentary domestic airport lounge visits per quarter
  • 2 complimentary movie tickets per month
  • Earn 2X reward points on all international transactions
  • Minimum 15% off on dining bills at over 2500+ restaurants
  • Get your annual fee waived off on spend of Rs.3 lakh
  • Earn 1500 Milestone Rewards on spend of Rs.5 lakh
  • Waiver of 1% fuel surcharge on Rs 5,000 spent every month on fuel
  • Earn 50% more rewards on ICICI Bank Rubyx American Express Credit Card

Avail The Joining Privileges

All you need to do is pay a joining fee of Rs.3000 (plus tax) and you get-

  • Welcome vouchers of travel and shopping worth Rs.5000 within 30 days of payment of joining fees

With this card, you surely get to enjoy the benefits of 2 cards (American Express and Mastercard) under 1 account. The joining fee might be a little high but the bonuses you get in return justifies the fee in all possible ways.

Earn PAYBACK Points On Your Transactions 

ICICI Rubyx Credit Card lets you earn PAYBACK points on every transaction that you make. PAYBACK is one of the largest reward programs exclusively powered by ICICI Bank to provide you with a plethora of rewards from your daily spendings. You can earn bonus rewards of up to 6 PAYBACK points on every Rs.100 spent. With this card, you get-

 Category PAYBACK Points on ICICI Rubyx Mastercard Credit Card (per Rs.100) PAYBACK Points on ICICI Rubyx American Express Credit Card (per Rs.100)
Domestic Spends 2 3
International Spends 4 6

Points to Note-

●Get 1 PAYBACK Points on every Rs.100 spent on utilities and insurance categories

●Earn 50% more rewards on the ICICI Rubyx American Express Credit Card

●You can redeem the rewards for varied categories available

●Earn reward point is equal to Rs.0.25 when redeemed for cash

ICICI Rubyx Milestone Rewards Program 

Under the newly launched ICICI Bank Milestone Rewards Program, you get-

  • 3000 PAYBACK Points on spending Rs.3 lakh on your cards
  • 1500 PAYBACK Points each time you cross Rs.1 lakh spend in an anniversary year

This program offers you a maximum of 15,000 PAYBACK Points per year. This facility is one of the best ones provided by the card. You can redeem the accumulated PAYBACK Points from many options- movie, travel vouchers, lifestyle products, moviles, appliances and more. It is true to say that with your ICICI Rubyx Credit Card and PAYBACK, your shopping is truly rewarding.

Suggested Read: Best Rewards Credit Cards in India

Entertainment Privileges For You 

The card provides you with great entertainment benefits on your disposal. You can avail the following discounts-

BookMyShow INOX
● Buy 1 ticket and get the other ticket free (any day of the week)

● Get 2 free tickets per month (valued up to Rs.300 per ticket)

● Buy 1 ticket and get the other ticket free

● Get 2 free tickets per month (valued up to Rs.300 per ticket)

Note- Successful booking is on the first-come, first-serve basis and is subject to daily stock availability

Get Airport Benefits And Railway Lounge Access

Both American and Mastercard variants provide you with varied travel benefits. Let us have a look at the different set of benefits you get with each card-

American Express Mastercard
● Get 2 complimentary railway lounge visits per quarter

● Get 2 complimentary airport lounge accesses per quarter

● 2 complimentary domestic air lounge visits per quarter

● 2 complimentary railway lounge visits in India per quarter

Get Complimentary Rounds Of Golf

With this card, you are entitled to get a complimentary Golf Round / Lesson for every Rs.50,000 retail spend in the previous calendar month (maximum of up to 2 rounds every month)



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