ICICI Bank Rubyx Credit Card: A Premium Credit Card for Exclusive Privileges

In an era where digital is first, credit cards serve as more of a means of payment and broader access to benefits, from travel perks and rewards points, to a shot at exclusive dining experiences. If you are one of those who love to earn while enjoying the ideal lifestyle, then ICICI Bank Rubyx Credit Card is the one that you can pick for yourself.

The ICICI Rubyx Credit Card is one of the premium range credit cards from ICICI Bank designed for those who demand something more than a credit card. It’s created to help customers earn rewards on their spending, and provides a wide range of perks related to lifestyle, travel, dining, and more. If you travel frequently, don't mind spending for shopping or love to taste good food, there are number of features associated with ICICI Rubyx Credit Card that will make you prefer it on others.

In this review, we will touch upon everything you wanted to know about the ICICI Bank Rubyx Credit Card including its main offerings and privileges, eligibility, application process and how it fares compared to other premium credit cards.

ICICI Bank Rubyx Credit Card Review

The ICICI Rubyx Credit Card is a prestigious offering in icici bank’s premium credit card category that provides luxury, convenience and range of benefits to its card holders. This card is packed with a range of exclusive benefits such as reward points, airport lounge access, golf privileges, dining offers and airline tickets.

You can even get reward points on all your spends with the card, which you can use to redeem for travel bookings, gift cards, movie tickets and more. What's more, you also get benefits like insurance, restaurant deals and access to lounges to make sure that your exclusive lifestyle is complemented by unmatched value.

Highlights of the ICICI Bank Rubyx Credit Card

Joining Fee and Renewal Charges

• Joining Fee: ₹3,000 + GST
  
  
• Annual Renewal Fee: ₹2,000 + GST (Waived on spending ₹3,00,000 or more in the previous year)
  
  

This is something that makes you want to swipe that card several times a month to make sure you are getting your money’s worth.

Reward Points System

The reward point structure of ICICI Rubyx Credit Card is one of the most enticing aspects of the card. Cardholders earn:

• 4 Reward Points for every ₹100 spent on international transactions
  
  
• 2 Reward Points on every ₹100 on domestic expenditure
  
  

These reward points can be put to use in multiple ways ranging from free hotel stays, free flight bookings to gift vouchers. Also, cardholders can redeem their reward points to purchase movie tickets through the ICICI Rewardz portal.

Apart from these, Rubyx card also provides bonus reward points on major spends based on the category (such as dining, shopping and travel) – providing the users an additional chance to earn more rewards with every purchase.

Travel Benefits

You could make those journeys quite a bit more luxurious by booking on the ICICI Rubyx Credit Card. Here are some of the best travel perks:

Airport Lounge Access

• Domestic Lounges: 1 free visit every 3 months
  
  
• Mastercard version: 2 visits free of charge per quarter
  
  
• International Lounge Access: Unlimited access via Priority Pass, with 4 free visits per year (max 1 per quarter)
  
  

Golf Privileges

Rubyx card holders get to enjoy exclusive golf privileges. You can get 1 free round of golf each month at a participating golf course in the US by spending a minimum amount.

Dining Privileges

ICICI Rubyx Credit Card also comes with some great dining benefits if you are a foody. Cardholders can enjoy:

• Discount at partner restaurants: 10% to 25% off through the ICICI Bank Culinary Treats programme
  
  
• Dining offers: Additional discounts and deals at leading restaurant chains
  
  

Movie Benefits

The ICICI Rubyx Credit Card is amazing for movie lovers. Cardholders can avail:

• BookMyShow Discount: 25% off up to ₹150 on movie tickets, 2 times a month
  
  
• INOX Offer: 25% off up to ₹150, similar to BookMyShow
  
  

This also makes the Rubyx card a great option for movie lovers who visit the cinema often and are looking for value.

Insurance Coverage

There are also some insurance features available to the ICICI Rubyx Credit Card users:

• Air Accident Insurance: ₹1 crore
  
  
• Lost Card Liability: ₹50,000 cover
  
  
• Purchase Protection: Coverage for theft or damage of eligible items
  
  
• Credit Shield: Outstanding dues cleared in case of accidental death
  
  

These insurance perks and benefits will cover your purchases and travel, completing the value of this card.

Comparison to Other Premium Credit Cards

ICICI Rubyx Credit Card vs. Other Premium Credit Cards

As for how it stacks up against other high-end cards, the ICICI Rubyx Credit Card provides a solid mix of rewards, lifestyle perks and travel privileges — at a reasonable price.

For instance, cards such as the HDFC Diners Club Black or the American Express Platinum Card may offer better travel perks but at a much higher fee.

The ICICI Rubyx Credit Card, on the other hand, is a good mix between cost / benefit, providing you with great reward and travel points, dining privileges and for all that you get, you pay a relatively lower annual fee for the first year. Rubyx has great value add in form of a few luxury benefits to people who want those without going too heavy on the pocket.

Final Thoughts

ICICI Bank Rubyx Credit Card is a great option for you if you are used to premium lifestyle and looking for a credit card which gives reward on your daily spends. Whether you want rewards on travel, groceries, dining, or even movies along with reward points on other purchases – the yes Private credit card has it all.

All in all, there’s so much you can gain from the HDFC Infinia Credit Card with its excellent benefits program, low renewal rate and bombastic rewards. Whether you are a traveller, movie buff or a foodie the ICICI Rubyx Credit Card is crafted for you and provides you with unparalleled benefits at every corner.

If you need the luxury of spending with some extra rewards and privileges, the ICICI Rubyx Credit Card is what you have been looking for.