cards / credit / icici bank / icici-emirates-rubyx-credit-card
ICICI
4242 •••• •••• ••••
YOUR NAME HERE
VISA
↑ Your name appears embossed when you sign in.
§ BENEFITS
travel
Skywards Miles on Spends
Earn 1 Skyward mile per ₹100 spent on all domestic transactions
1 mile/₹100
lounge
Domestic Lounge Access
4 complimentary domestic airport lounge visits per year
4 visits/year
fuel
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹6,00,000
- Min monthly salary
- ₹50,000
- Age
- 21 – 65
- Min credit score
- 700
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹1,000
- Annual fee
- ₹1,000
- APR (monthly)
- 3.40% p.m.
- APR (annual)
- 40.80% p.a.
- Late payment fee
- ₹1,200
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Excluding GST
† Excluding GST
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹250
- Other bank free / month
- 0
- Other bank charge
- ₹250
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 2.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 3.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- ₹100
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹400
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹250
- Networks
- All
§ LIMITS
- ATM / day
- ₹40,000
- POS + e-com / day
- ₹4,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Insurance
- Not provided
§ REWARDS
- Programme
- Emirates Skywards Miles
- Earn rate
- 1 Skyward mile per ₹100
- Point value
- ₹0.8
- Effective cashback
- 0.80%
- Min redemption
- 1,000 pts
- Expiry
- 3 years from date of accrual
§ LOUNGE
- Domestic
- 1 per quarter
- International
- Not included
- Domestic guests allowed?
- No
- International guests allowed?
- No
† value ₹2,500 per visit
§ SIMILAR CARDS
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