InterMiles ICICI Bank Rubyx Credit Card: Apply Now

Table of Contents

Summary

The InterMiles ICICI Bank Rubyx Credit Card is a high-end credit card tailored for travel and shop enthusiasts interested in enjoying unique lifestyle rewards. The Credit card rewards you with InterMiles on every rupee spent, best for frequent fliers. InterMiles can be redeemed to get flight coupons, hotel bookings, and lots of more interesting rewards. The card also provides welcoming benefits such as 5,000 InterMiles, hotel and flight discount coupons, and benefits on renewal every year to continue the benefits.

One of the advantages that particularly stands out is the airport lounge advantage, which gives you a smooth travel experience. You are rewarded with movie ticket rebates, dining benefits at the finest restaurants, and even a golf club membership. Whether shopping, dining, or booking travel reservations, the card rewards you with valuable benefits. It also includes the advantage of travel insurance, security features such as chip and PIN protection, and concierge services for a convenient lifestyle.

The option to transfer ICICI Reward Points into InterMiles and the fuel surcharge waiver help to raise the value of the card even more. If you hunt for a credit card with a mix of ease, rewards, and premium features, the InterMiles ICICI Bank Rubyx Credit Card is a great choice to enrich your lifestyle and travel experience.

Introduction

Do you happen to be a shopaholic who enjoys traveling and banking miles in the process? If that’s the case, the InterMiles ICICI Bank Rubyx Credit Card could very well be the ideal choice for you. The card is specifically designed for those who love to travel and want to make the most out of every rupee spent. From booking air tickets to staying at hotels, dining out, or shopping online, this card helps you earn InterMiles points that can be redeemed to earn excellent travel packages and other lifestyle rewards.

InterMiles ICICI Bank Rubyx Credit Card is a co-branded credit card issued by ICICI Bank in partnership with InterMiles, one of the most popular travel and lifestyle reward programs. Using this card, you can experience a series of advantages such as access to airport lounges, free tickets to movies, travel insurance, and many other advantages that facilitate your travel and make it a pleasant experience.

The card is available in two flavours – Visa and American Express – and you get to enjoy the benefit of both. The news is that you don’t necessarily have to be a frequent traveller to use it. Even though you travel just once or twice a year, the card continues to offer you value-added benefits like lounge visits, milestone reward points, and free movie passes on BookMyShow.

Apart from travel rewards, the InterMiles ICICI Bank Rubyx Credit Card also offers lifestyle and entertainment rewards. You can get Buy 1 Get 1 Free discounts on cinema tickets, special dining savings at partner restaurants, and personalized concierge services to book and reserve on your behalf. The card also offers a sign-up and year-end spending milestone bonus in InterMiles, which rewards you more for using it more.

What is the InterMiles ICICI Bank Rubyx Credit Card?

The InterMiles ICICI Bank Rubyx Credit Card is a special credit card that is ideal for people who love traveling and earning rewards. ICICI Bank offers this credit card in partnership with InterMiles, a travel and lifestyle rewards program. When you shop, book a hotel or flight, or dine out with this card, you earn InterMiles points. You can then exchange these points at a later date to receive complimentary flight tickets, hotel stays, or other great gifts on the InterMiles website.

This card also gives you free access to airport lounges, concessions on movie tickets, and dining offers at most restaurants. You also get welcome bonus points, travel insurance, and more rewards if you spend more during the year. It is offered in both Visa and American Express forms, and both benefit you.

How is the design of the InterMiles ICICI Bank Rubyx Credit Card?

The InterMiles ICICI Bank Rubyx Credit Card also has a very sleek and contemporary appearance, suitable for its luxurious nature. Having been part of the ICICI Bank Gemstone Collection, the card has an elegant look and feel to it with a characteristic gemstone-printed finish that represents luxury and elegance. Both the Visa and American Express versions of the card are available, both with respective network branding in addition to InterMiles brand, indicating the association between ICICI Bank and InterMiles.

Beyond its stylish appearance, the card also offers high security. The card contains a chip and an embedded Personal Identification Number (PIN), both of which provide added security against counterfeiting and unauthorised spending. With chip-and-PIN technology, your money is secure when shopping over the internet or buying in a shop.

What are the benefits of the InterMiles ICICI Bank Rubyx Credit Card?

Travel Rewards

Welcome Reward: Receive 5,000 bonus InterMiles, a ₹500 voucher to off on flights, and a ₹1,000 voucher to off on hotels as a welcome reward.

Renewal Reward: Receive 2,500 bonus InterMiles, a ₹250 voucher to off on flights, and a ₹750 voucher to off on hotels on card renewal every year.

Earning InterMiles: Get a maximum of 7.5 InterMiles for every ₹100 spent, primarily on travel transactions.

Lounge Access: Become a member and get complimentary lounge access at Indian airports.

Lifestyle and Entertainment

Movie Discounts: Get 25% off (max ₹150) on buying two or more movie tickets in the same transaction on Inox and BookMyShow, twice a month.

Dining Benefits: Get up to 15% discount at over 2,600 dining partner restaurants in India under ICICI Bank Culinary Treats Programme.

Golf Benefits: Get up to 2 complimentary rounds of golf per month at designated golf courses on your spend.

Rewards and Savings

Reward Points: Earn 2 ICICI Reward Points for spending within India for ₹100 and 4 points for each ₹100 spent abroad.

Milestone Rewards: Earn up to 15,000 Reward Points within a year by fulfilling spend milestones.

Point Conversion: 300 ICICI Reward Points are worth 200 InterMiles, increasing your travel rewards.

Security and Insurance

Air Accident Insurance: Maximum ₹1 crore cover in case of an air accident.

Lost Card Liability: Coverage for unauthorized usage of up to ₹50,000, including coverage of prior loss for up to 2 days on reporting.

Travel Insurance: Extensive cover for loss of luggage, flight delay, etc.

Additional Features

Concierge Services: Bookings for travel, restaurant bookings, etc., 24×7.

Fuel Surcharge Waiver: Get a waiver of 1% fuel surcharge on HPCL petrol pumps as you pay through your card at ICICI Merchant Services terminals.

What are the fees for the InterMiles ICICI Bank Rubyx Credit Card?

Here is a simple breakdown of the InterMiles ICICI Bank Rubyx Credit Card fees.

Joining Fee	Rs. 2,500 + GST
Annual Fee	Rs. 2,500 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	3.5% per month (42% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an InterMiles ICICI Bank Rubyx Credit Card?

1. Age Requirement:

You should be between 18 to 65 years of age.

2. Income Requirement:

Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

You should have a regular job or business with a fixed income source.

4. Credit Score:

A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

You should be an Indian resident and have a valid address proof.

What documents are required to get an InterMiles ICICI Bank Rubyx Credit Card?

The documents that you will have to submit to get an InterMiles ICICI Rubyx Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the InterMiles ICICI Bank Rubyx Credit Card be used?

Here is the list of places where you can use it:

With the InterMiles ICICI Rubyx Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your InterMiles ICICI Rubyx Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

The InterMiles ICICI Rubyx Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the InterMiles ICICI Bank Rubyx Credit Card?

The credit amount you can spend is what you are provided with an InterMiles ICICI Rubyx Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an InterMiles ICICI Bank Rubyx Credit Card?

Apply it through both these modes:

Online Application Process

Visit the official website of the ICICI Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by ICICI Bank; for instance, you can choose the InterMiles ICICI Bank Rubyx Credit Card.

Just hover your cursor on the InterMiles ICICI Bank Rubyx Credit Card, followed by selecting ‘Apply Now‘ from there.

You will be asked to fill out your details, including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after you submit it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

You can walk into the nearest ICICI Bank branch to apply for the InterMiles ICICI Bank Rubyx Credit Card.

Request for the credit card application form of the InterMiles ICICI Bank Rubyx Credit Card. They will provide you with the form and proceed accordingly.

Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas photograph.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the InterMiles ICICI Rubyx Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the ICICI Bank Card website, mobile app, or by calling their customer service.

You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an InterMiles ICICI Bank Rubyx Credit Card in 2025 be right?

Yes, getting an InterMiles ICICI Rubyx Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.

ICICI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

InterMiles ICICI Bank Rubyx Credit Card is perfect for those who want to earn rewards, travel benefits, and lifestyle rewards in one card. It comes with the innovative advantage of earning InterMiles points on routine transactions, getting free flight and hotel vouchers, and airport lounge passes. If you’re a person who loves traveling for work purposes or just for relaxation, then this card will be of great benefit in saving considerably and offers some more comforts and perks as well.

The card’s aesthetic is premium and high-end, mirroring the lifestyle of the regular business traveler as well as the professional. The card also features essential security features like chip and PIN technology to ensure your payments are safe and hassle-free. The card also offers many add-on benefits like travel insurance, lost card cover, and concierge services that make your life easier.

The one of the loveliest things about this card is that not only do they reward you if you travel, but also eat out, go shopping, or book movie tickets. With cinema ticket discounts, fuel cash back, and reduced restaurant bills, the Credit card makes sense to use on a day-to-day basis too — and not just around holidays.