ICICI Bank Roubaix Credit Card is India’s first Dual Platinum Credit Card which comes in two network variants – Visa and Mastercard. Basically you get two credit cards with one account. This premium card comes with an annual fee of Rs. 2,000 and is best suited for frequent travelers.
The card offers a host of benefits that are specifically targeted at the big spenders. Here is all you need to know about the card in detail.
ICICI Bank Rubyx Credit Card Fees and Charges
| Fees / Charges | Amount |
| Joining Fee | Rs. 3,000 |
| Annual Fee | Rupee. 2,000 (exemption on spending above Rs. 3 lakh in the previous year) |
| Finance Charges | 3.40% p.m. / 40.80% p.a. |
| Late Payment Fee | Nil for amount due less than Rs. 100 Rs. 100 for an amount between Rs. 100 and Rs. Rs.500 500 for the total amount payable in excess of Rs. 501 and Rs. 10,000 Rs. 750 for the total amount payable in excess of Rs. 10,000 |
ICICI Bank Rubyx Credit Card- Eligibility and Documentation
| Criteria | Details |
| Occupation | Salaried or Self-employed |
| Minimum Income for Salaried | Rs. 50,000 per month |
| Minimum Income for Self-Employed | Rs. 75,000 per month |
Reward
ICICI Bank credit card has one of the lowest reward rates in the industry. While they have several merchant offers, their cards do not offer much for regular transactions. The reward rate is pretty low for cards that charge fees. Even LTF cards now offer better rewards.
- Household spend: 2 RP per Rs 100 – 0.5% return
- International spend: RP 4 per Rs 100 -1% return
- Utilities and Insurance Expenses: 1 RP per Rs 100 – 0.25% return
- Fuel Expenses: No Rewards
Milestone Rewards
- 3000 PAYBACK points on spending Rs.3 lakh in a membership year
- 1500 PAYBACK points for every Rs 1 lakh spent after crossing a milestone above Rs 3 lakh
- Maximum 15000 PAYBACK points in a year
ICICI Bank Visa Rubyx Credit Card- Features and Benefits
Welcome Vouchers worth Rs 5,000+
ICICI Bank Roubaix Credit Card charges an annual fee of Rs. 2,000 but returns more than the said amount in the form of welcome vouchers.
You will get welcome vouchers on shopping and travel worth Rs.
5,000+ Various vouchers available as welcome gifts on payment of card joining fee (Rs.3,000) are as follows-
| brand | Voucher Amount |
| Tata Cliq | Rs. 2,000 |
| EaseMyTrip Voucher | Rs. 2,000 (Two vouchers worth Rs. 1,000 each) |
| Uber | Rs. 250 |
| Brand Central | Rs. 1,000 (Two vouchers worth Rs. 500) |
| Chrome | Rs. 1,000 |
Payback points on all your transactions-
Up to 6 PAYBACK points on every Rs. 100 expenses
ICICI Bank Roubaix Credit Card lets you earn PAYBACK (Rewards) points on all your transactions. You not only earn points when you use your card but also earn additional points from PAYBACK partner brands for the same purchases.
You can redeem your PAYBACK points on a wide range of available options ranging from movie and travel vouchers to lifestyle products, mobiles, appliances and more. The marks are awarded in the following manner-
| Categories | Payback Points (per Rs.100) on ICICI Roubaix MasterCard Credit Card |
| Household Expenses | 2 |
| International Spend | 4 |
| Utilities and Insurance | 1 |
How to Redeem your PAYBACK Points
| To redeem your PAYBACK Points in Cash | To redeem your PAYBACK Points for Gifts |
| Each PAYBACK point is equivalent to Rs. 0.25. Please call 080-40146444* to redeem. The equivalent cash amount will be credited to your credit card account within 7 working days | Please call 1860-258-5000*, or place a redemption request online at www.payback.in. You will receive your chosen gift within 10 working days |
Exclusive Entertainment Privileges
The card offers decent entertainment benefits through BookMyShow and INOX. The good thing about the advantage is that it is not limited to just one platform as is the case with most cards.
- With your ICICI Bank Roubaix Credit Card, you will get 25% off (up to Rs.250) on purchase of minimum 2 tickets per transaction on BookMyShow or INOX.
- Offer can be availed twice in a month
- Successful booking is on first come first serve basis and subject to daily stock availability
Airport Lounge Access
Get 2 complimentary airport lounge access per quarter (one on each variant) by spending a minimum of Rs 5,000 or more in a calendar quarter on the card to avail this facility in the next calendar quarter.
Beyond the permitted number of complimentary visits, each subsequent visit will be charged as per the rates applicable to each lounge service provider.
Railway Lounge Access
2 complimentary Railway lounge visits per quarter. Access to Railway lounge will be applicable for primary cardholders only.
Complimentary Rounds of Golf
- Every Rs. Get a free round/lesson of golf in 50,000 retail spends in the previous calendar month (up to a maximum of 2 rounds per month)
- To book your game simply visit www.teetimes.golftripz.com and create a Golftripz account using the same email ID that is registered with the ICICI Bank Credit Card.
- The complimentary round of golf will appear in your GolfTrip account after the 10th of the following month
- It will be available for you to play anytime over the next 2 months
- Explore available tee time slots and book your favorite at free time and track all your bookings online
Comparing with Other Cards
| credit card | Annual Fee | Best For | Key Features |
| American Express Platinum Travel Credit Card | Rs. 5,000 | travel vouchers and lounge access | Travel voucher of Rs. 9,440 |
| Citi PremierMiles Credit Card | Rs. 3,000 | earn air miles | 10 miles for every Rs. 100 spends on all airline transactions |
| Air India SBI Signature Credit Card | Rs. 4,999 | Travel Rewards and Exclusive Benefits with Air India | 30 reward points for every Rs. 100 spent on Air India ticket booking |
| SBI Elite Credit Card | Rs. 4,999 | Lounge Access, Movies & Dining | Complimentary Priority Pass, Vistara Silver and Trident Privilege Red Tier Membership |
| Standard Chartered Emirates World Credit Card | Rs. 3,000 | Travel rewards with Emirates, lounge access and golf privileges | 5% cashback on duty free purchases and 6 Skyward miles on every Rs. 150 spent |
| HDFC Regalia Credit Card | Rs. 2,500 | International airport lounge access | Complimentary Priority Pass Membership and Club Vistara Silver Membership |
Other Benefits of ICICI Bank Rubyx Credit Card
- Save at least 15% on your dining bill at participating restaurants
- 24×7 premium concierge services to take care of all your needs from travel booking to getting movie tickets delivered at your doorstep
- Lost card liability of Rs 50,000 which covers loss up to 2 days prior to reporting it (for details of insurance cover, click here)
- 1% fuel surcharge waived off on fuel transactions at any fuel outlet
ICICI Bank Rubyx Credit Card Customer Care Details
ICICI Credit Card Customer Care Number – 1860 120 7777
Should you get ICICI Bank Rubyx Credit Card
ICICI Bank Roubaix Credit Card is a good option for frequent travelers, especially those interested in airport and railway lounge access. However, this is definitely not the card to choose for the reward benefits as the average rate is quite low
Additionally, the card offers good movie benefits. With both BookMyShow and INOX, you will get 25% off (up to Rs.250) on purchase of minimum 2 tickets per transaction.
Overall, it’s a good option for frequent travelers as well as users who spend a lot abroad. However, the card offers a lower reward rate as compared to other cards in the same category.
| Pros. | CONS. |
| The card also offers airport and railway lounge access, 25% discount on movie ticket bookings through both BookMyShow and INOXR. 2,000 annual fee can be waived off with an annual expenditure of Rs. 3 lakh | Joining Fee Rs. 3,000 may be too high Low reward rate of 0.25% on utility bill payments and insurance spends No memberships such as Priority Pass, Club Vistara etc. |