Question 1

Is the ICICI Bank Rubyx Credit Card free?

Accepted Answer

No, the card has a joining fee of ₹3,000 and an annual fee of ₹2,000.

Question 2

When will I get my Joining Benefits for the Rubyx Credit Card?

Accepted Answer

You will receive an e-mail regarding the same within 45 business days after the payment of the Joining Fee.

Question 3

What is included in the joining benefit vouchers?

Accepted Answer

Upon payment of the joining fee, Cardholders will receive welcome vouchers worth over ₹5,000 within 45 days. There are vouchers worth ₹2,000 from Tata CliQ, ₹2,000 from EaseMyTrip (2 vouchers of ₹1,000 each), ₹1,095 EazyDiner Prime Membership (3 months subscription) and ₹1,000 from Croma (2 vouchers of ₹500 each).

Question 4

How can I get the annual fee waived off for the ICICI Bank Rubyx Credit Card?

Accepted Answer

If you spend over ₹3 lakh, you can get your annual fee waived off for the next year.

Question 5

Can I make an online purchase with the ICICI Bank Rubyx Credit Card?

Accepted Answer

Yes. You can easily make online purchases across India and in select overseas stores using the ICICI Bank Rubyx Credit Card.

Question 6

What is CVV in a Credit Card? How do I find it in my ICICI Bank Rubyx Credit Card?

Accepted Answer

Flip your Rubyx Credit Card. The three-digit Security Code next to the signature panel is your CVV (Card Verification Value). You can also check it by logging in to your ICICI Bank's iMobile app or Net Banking.

Question 7

Which Credit Card should I opt for to get benefits on shopping?

Accepted Answer

ICICI Bank Rubyx Credit Card is one of the best choices. It offers several benefits for shopping enthusiasts.

Question 8

What is the age limit to apply for a Rubyx Credit Card?

Accepted Answer

You must be between the age of 21 and 65 years to be eligible to apply for the Rubyx Credit Card.

Question 9

What are the criteria for availing domestic lounge access?

Accepted Answer

To enjoy domestic lounge access, you must spend ₹75,000 or more on your Rubyx Credit Card in a calendar quarter. This entitles you to avail the lounge access benefit in the following calendar quarter. The benefit is exclusively applicable to the primary Cardholder.

Question 10

What fraud protection benefits are available to Cardholders?

Accepted Answer

Cardholders are protected against fraudulent transactions with Counterfeit Card Liability, ensuring coverage against unauthorised usage. Additionally, the Card provides an Account Takeover Cover, which safeguards you in case your personal information is accessed or misused by a third party without your consent.

Question 11

What security features are provided by the chip and PIN?

Accepted Answer

The Credit Card comes with an embedded microchip that provides enhanced security against counterfeiting and duplication. For transactions at merchant outlets, customers must enter a Personal Identification Number (PIN) to complete the payment. However, this PIN is not required for online transactions.

Question 12

What is the fuel surcharge waiver offered to Cardholders?

Accepted Answer

Cardholders can avail of a 1% fuel surcharge waiver on all fuel transaction from ₹400 - ₹4000 at any fuel outlet in India. This benefit applies to both the primary Cardholder and the Plus (supplementary) cardholder, helping them save on regular fuel expenses. The waiver is automatically applied when the eligible transaction is completed using the Credit Card.

Question 13

What are the golf privileges and eligibility criteria?

Accepted Answer

As a Rubyx Credit Cardholder, you are eligible for a complimentary round or lesson of golf for every ₹50,000 spent on retail purchases in the previous calendar month. You can avail of a maximum of 2 complimentary rounds per month. The benefit can be booked through the Golftripz website. Simply visit and create a Golftripz account using the same e-mail ID as registered against your ICICI Bank Credit Card. Benefits will be credited to your account by the 10th day of the following month, available for use in the next two months.

Question 14

What are the key features of the concierge services offered?

Accepted Answer

The concierge services provide 24X7 support for varied needs such as restaurant reservations, flower & gift deliveries, hotel & flight bookings, car rentals and even movie ticket delivery. Additionally, the service offers emergency auto assistance and medical concierge support, ensuring comprehensive assistance during emergencies. Contact i-Assist for access to these services. To contact the i-Assist team, please call 1800 26 70731 (toll free for MTNL/BSNL) or 022 6787 2016 (standard call charges applicable).

Question 15

What Air Accident Insurance coverage is provided to Cardholders?

Accepted Answer

The primary Cardholder is entitled to Air Accident Insurance coverage of ₹1 crore. This benefit applies only when the Card has been used at least once in the 60 days prior to the event. Note that the insurance covers international travel only, provided that the tickets were purchased using the Credit Card. Supplementary Cardholders are not eligible for this insurance coverage.

Question 16

What are the criteria for availing domestic railway lounge access?

Accepted Answer

Upgrade your travel experience with complimentary access to railway with your ICICI Bank Rubyx Credit Card. Get 2 complementary access to select railway lounges in India every quarter. Simply present your ICICI Bank Rubyx Credit Card to enjoy the privileges. Over and above the permitted number of complimentary access, each subsequent access will be charged as per rates laid out by each lounge service provider. The access to railway lounges will be applicable only for primary cardholders.

Question 17

Do I get reward points on Fuel transactions?

Accepted Answer

No, you do not get reward points on Fuel transactions. 1% fuel surcharge waiver is applicable on all fuel transactions from ₹400 - ₹4000 at any fuel outlet in India.

Category	Rate	Cap
International	—	—
Domestic	—	—
Utility Insurance	—	—

Category	Rate	Cap
International	—	—
Domestic	—	—
Utility Insurance	—	—

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