ICICI Bank Rubyx Credit Card

Hand-picked rewards points have no expiration date and can be used as long as the card and card account are operational with no late balances.

Users may redeem points in two ways: a) through Internet banking, or b) by calling ICICI Bank Customer Care.

Transactions with sums that exceed the credit limit must be approved by ICICI Bank. If accepted, an over-limit charge of 2.5% of the amount above the limit will be imposed. The fee for this will be a minimal amount of Rs. 500.

The minimum age of the Add-On Credit Card Holder should be 18 or same as the primary card holder .