InterMiles ICICI Bank Rubyx Credit Card: Features, Benefits and Rewards Explained

Credit cards are much more than just a payment tool in today’s world of speed. They come with a variety of benefits, ranging from cash back and reward points to travel benefits, insurance coverage, and exclusive lifestyle benefits. Among these, another popular travel credit card is the InterMiles ICICI Bank Rubyx Credit Card. Designed for regular travelers and consumers who want to have it all, this card delivers a range of premium rewards, benefits, and experiences that will put you in a league of your own, easily recouping its annual fee for those not afraid to swipe.

In this blog post I will do a deep dive of the InterMiles ICICI Bank Rubyx Credit Card and talk about its features, benefits, rewards structure etc. If you’re a travel junkie, food lover, or someone who just likes access to high-end experiences, then this card has something for you.

Summary of the InterMiles ICICI Bank Rubyx Credit Card

The InterMiles ICICI Bank Rubyx Credit Card is a premium credit card provided by InterMiles and ICICI bank in association with each other. This card is for the consumer who would like to rack up points on their purchases and benefit from travel, dining and lifestyle perks. Whether you're travelling for business or pleasure, your Rubyx Credit Card which is a mastercard card offers you Complimentary Airport Lounge Access* and so much more.

From accelerated InterMiles on travel-related spends, and airport lounge access, to exclusive dining offers, and full insurance coverage, the Rubyx Credit Card is among the best credit cards available to those looking for a balance of luxury and value.

Highlights of the InterMiles ICICI Bank Rubyx Credit Card

Joining and Renewal Fee

• Joining Fee: ₹2,500 + GST
  
  
• Renewal Fee: ₹2,500 + GST
  
  

The charges of this card are rather competitive and for what it provides, it can be considered as an extended credit card offer. That renewal fee can also be waived if you hit the annual spend threshold, so this is a pretty attractive card for heavy spenders.

Reward Points Structure

Among the highlights of the InterMiles ICICI Bank Rubyx Credit Card is its rewards program. The card comes with InterMiles, which can be used to get flights, hotel stays, and even merchandise.

• Get 4 InterMiles on every ₹100 spent on international transactions.
  
  
• Get 3 InterMiles per ₹100 on domestic spends.
  
  
• Get 1 InterMile on utilities and insurance spends for every ₹100.
  
  

These reward points get accumulated in your InterMiles account and can be used to redeem various travel offerings.

Travel Benefits

As a premium travel card, the Rubyx Credit Card has a few travel-related benefits bundled in, including:

Complimentary Airport Lounge Access

Relax in style with unlimited access to domestic and international airport lounges. The card includes:

• 2 free visits per quarter to domestic lounges
  
  
• 1,000 lounge access worldwide with a Priority Pass membership
  
  

Travel Insurance

As a cardholder, you get the insurance of travelling that includes trip cancellation insurance, emergency medical insurance and lost luggage insurance and other.

Golf Benefits

You can enjoy free golf at participating golf courses with the card. For every ₹50,000 you spend on the card, you can be awarded a complementary round of golf, with a maximum of 2 rounds per month.

Dining Offers

For those who love eating, Rubyx Credit Card brings great value. The card also has some great dining rewards that can lower the cost of your dining out:

BookMyShow Offers

Get 25% off Up to Rs 150 on movies with BookMyShow and INOX. This can be utilized two times a month, offering regular savings on moviegoing to the cardholders.

Dining Discounts

The card provides discounts and cashbacks across various dining outlets and restaurants under the ICICI Bank Culinary Treats Programme that is available in over 2,600 restaurants across the country.

Insurance Coverage

The Rubyx Credit Card offers extensive insurance applicable to a range of contingencies, whether related to travel or for purchase protection:

• Air Accident Insurance: Accidental death coverage of ₹1 crore while traveling in air
  
  
• Purchase Protection: Get coverage on all eligible purchases made with the card
  
  
• Credit Shield: ₹50,000 coverage in the event of the cardholder’s accidental death
  
  
• Loss of Baggage: Reimbursement up to ₹25,000 if your checked in baggage is misplaced
  
  

These insurance protections offer peace of mind while traveling and shopping, knowing that you’ll be covered when the unexpected occurs.

Other Perks of the InterMiles ICICI Bank Rubyx Credit Card

Fuel Surcharge Waiver

The card provide a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000 at all the fuel stations in India. The maximum waiver you can get per statement cycle is ₹250, so this is a good benefit for those of you who drive a lot.

Access to Exclusive Events

Card holders also have access to a range of special events and experiences, including VIP concert and sports event tickets and theater tickets. These privileges are offered on the basis of association with select brands/event organizers.

24/7 Concierge Service

The Rubyx Credit Card also provides round-the-clock concierge services to help with such needs as booking a hotel room or restaurant reservation or securing tickets to an exclusive event. No matter if you are scheduling a trip, business meeting or special event, the concierge service is only a have-to-dial away.

Milestone Benefits

Cardholders can also benefit up to a particular sum spent on the card. Cardholders can also earn extra InterMiles, as part of the card's rewards program, after they spend a certain amount. That is perfect for people who make big purchases regularly and need to profit from their rewards.

How Does InterMiles ICICI Bank Rubyx Credit Card Compare to Other Travel Credit Cards?

Below you will find what InterMiles ICICI Bank Rubyx Credit Card has to offer if you compare it against other premium travel credit card products.

• Extensive Rewards: The credit card provides InterMiles faster for domestic and international spends that is ideal for frequent flyers.
  
  
• Travel and Lifestyle Privileges: From complimentary access to all travel lounge, travel insurance, dining privileges, to golfing benefits, this card is crafted to bring you a bunch of premium perks.
  
  
• Low joining/renewal costs: While the joining and renewal fee are on the higher side for a premium card, it’s easy to get a waiver on them with regular spends.
  
  

The HDFC Diners Club Black Card, or Axis Bank Magnus Credit Card are cards that are also packed with its own suite of trave and lifestyle benefits, but the Rubyx Credit Card is the unique meld of both luxury and value, as it brings a wide array of benefits at a very low cost.

InterMiles ICICI Bank Rubyx Credit Card Eligibility and Documentation

The following is to be provided as per the eligibility of InterMiles ICICI Bank Rubyx credit card:

Eligibility Criteria

To be eligible for an InterMiles ICICI Bank Rubyx Credit Card, you need to meet the following criteria:

• Age: 21 years of age, maximum 60 years of age for the primary cardholder
  
  
• Income:
  
  
• Employment Type Salaried: (Net Monthly Income: Minimum ₹75,000)
  
  
• Self-employed: You should earn at least ₹9 lakh p.a.
  
  
• Applicant also has to file income proof and address proof along with the proof of identity
  
  

Final Thoughts

The InterMiles ICICI Bank Rubyx Credit Card is perfect for those who prefers reward points, travel benefits, and lifestyle benefits. If you’re a jetsetter, a foodie or just like one-of-a-kind experiences this card delivers a well-balanced lineup of benefits and should more than pay for itself in all but a few cases.

With accelerated InterMiles on domestic and international spends, free access to airport lounges, dining privileges, and comprehensive insurance cover, the Rubyx Credit Card is meant for those who enjoy a premium lifestyle while getting rewarded for their spends.

If you’re a frequent traveller, diner, someone who loves lifestyle benefits, then InterMiles ICICI Bank Rubyx Credit Card is worth considering. With its wide-ranging rewards program and several perks, it is one of the best credit cards for premium rewards.