cards / credit / icici bank / icici-rubyx-credit-card
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§ BENEFITS
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year
8 visits/year
Reward Points on International Spends
Earn 4 reward points per ₹100 on international transactions
4 RP per ₹100
Reward Points on Domestic Spends
Earn 2 reward points per ₹100 on domestic transactions
2 RP per ₹100
Reduced Earn Rate on Utility & Insurance
Earn 1 reward point per ₹100 on utility and insurance payments
1 RP per ₹100
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹7,50,000
- Min monthly salary
- ₹50,000
- Age
- 21 – 60
- Min credit score
- 725
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹3,000
- Annual fee
- ₹2,000
- APR (monthly)
- 3.53% p.m.
- APR (annual)
- 42.36% p.a.
- Late payment fee
- ₹1,200
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Plus GST
† Plus GST
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹200
- Other bank free / month
- 0
- Other bank charge
- ₹200
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 3.5% 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
- ₹300
- Networks
- All
§ LIMITS
- ATM / day
- ₹40,000
- POS + e-com / day
- ₹5,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Accidental death cover
- ₹50,00,000
- Permanent disability
- ₹50,00,000
- Air accident
- —
- Travel insurance
- —
- Baggage
- —
- Lost-card liability
- ₹5,00,000
- Purchase protection
- —
† within 24 h of loss
§ REWARDS
- Programme
- ICICI Reward Points
- Earn rate
- 4 RP per ₹100 international, 2 RP per ₹100 domestic, 1 RP per ₹100 utility/insurance
- Point value
- ₹0.25
- Effective cashback
- 0.50%
- Min redemption
- 500 pts
- Expiry
- 3 years from date of accrual
§ LOUNGE
- Domestic
- Up to 8 per year
- International
- Not available
- Domestic guests allowed?
- No
- International guests allowed?
- No
† value ₹2,000 per visit
§ SIMILAR CARDS
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