Mighty Rewards Plan:

Your ICICI Bank Credit Card entitles you to earn PAYBACK Points on your transactions. PAYBACK, India’s largest Reward Programme, has powered ICICI Bank Rewards to bring you a suite of exciting rewards from your everyday spending.

 You not only earn PAYBACK Points when you use your ICICI Bank Credit Card, but also earn additional points from PAYBACK Partner Brands for the same purchase.

 You can redeem your PAYBACK Points from many options – from movie and travel vouchers to lifestyle products, mobiles, appliances and more. With your ICICI Bank Credit Card and PAYBACK, shopping is truly rewarding!

Host of benefits

  • Get Welcome Vouchers on Shopping and Travel worth Rs 5000+ on payment of joining fee of the card.
  • Earn up to 15,000 PAYBACK Points every anniversary year with ICICI Bank Rubyx Credit Card.
  • Get up to 2 complimentary rounds of golf every month at the golf course of your choice based on eligible spends on your ICICI Bank Rubyx Credit Card.
  • 2 complimentary access per quarter to select airport lounges in India, on Visa variant by spending minimum of Rs 5,000 or above in a calendar quarter on your ICICI Bank Rubyx Credit Card to avail this facility in the next calendar quarter.
  • Avail 25% discount upto Rs.150 on purchase of minimum 2 movie tickets per transaction on BookMyShow and Inox. The offer can be availed twice a month on BookMyShow and Inox each.

Security Features

ICICI Bank credit cards come with an EMV chip embedded in it. This chip acts as an additional security feature against card duplication and counterfeiting. PIN has to be entered to authenticate any transaction using your ICICI Bank credit card. For online transactions, you have to register for 3D Secure feature on the ICICI Bank website.

Powerful Rewards Plan

Earn bonus rewards of up to 4 PAYBACK Points on every Rs 100 spent
Spend CategoryPAYBACK Points on the ICICI Bank Rubyx Visa Credit Card (per Rs. 100 spent)
Domestic spends (except fuel) 2
International spends 4
  • Under the new ICICI Bank Milestone Rewards program, get 3,000 PAYBACK Points on spending Rs. 3,00,000 on your card and 1,500 PAYBACK Points each time you cross Rs. 1,00,000 spend thereafter in an anniversary year; maximum of 15,000 PAYBACK Points per year/li>
  • Get one PAYBACK Point on every Rs. 100 spent on utilities and insurance categories
  • Redeem the rewards for an exciting selection of gifts or cash. Each reward point is equivalent to Rs. 0.25 when redeemed for cash.
To redeem your PAYBACK Points:
To redeem your PAYBACK Points in cash:To redeem your PAYBACK Points for gifts:
Each PAYBACK Points is equivalent to Rs 0.25. Please call on 080-40146444* to redeem. The equivalent cash amount will be credited to your credit card account within 7 working days. Please call PAYBACK on 1860-258-5000*, or place an online request for redemption at www.payback.in. You will receive the gift of your choice within 10 working days.

*Standard call charges apply


Discover how your ICICI Bank Rubyx Credit Card can deliver savings of Rs 93,200 every year.

Read on to discover how your ICICI Bank Rubyx Credit Card can deliver savings of Rs 96,800 on annual spends of Rs 5,60,000Savings (in Rs)
25% discount on movie tickets with BookMyShow and Inox* 3,600
Access & complimentary rounds at premier golf courses in India and abroad** 70,000
Complimentary access to Visa Loung*** 8,000
Complimentary access to Railway Lounge in India***** 4,000
Cash rewards on annual spend of Rs 2,50,000 on domestic purchases# 1,750
Cash rewards on annual spend of Rs 2,50,000 on international purchases## 3,750
Milestone rewards on a spend of Rs 5,00,000 1,500
Waiver of 1% fuel surcharge on Rs 5,000 spent every month on fuel**** 600
Total Savings 93,200

#This is based on the assumption that the cardholder will spend 10% of the total spending on utilities and insurance. On these categories, one PAYBACK Points is accrued on per Rs 100 spent on card. This is based on the assumption that the cardholders are doing a transaction on their ICICI Bank Rubyx Credit Card. The cardholder receives 2 PAYBACK Points for all purchases, except fuel on ICICI Bank Credit Card.

##This is based on the assumption that the cardholders are doing a transaction on their ICICI Bank Rubyx Visa Credit Card. The cardholder receives 4 PAYBACK Points for international purchases on ICICI Bank Visa Credit Card *This is based on the assumption that card holder will avail the offer twice in a month and the total cost of two tickets per transaction is Rs.600. The capping on discount per transaction is Rs.150. The actual rate of ticket may vary for every movie theatre.

**This is based on the assumption that the cardholder is eligible for 10 complimentary rounds in a year based on monthly spends. Cardholder can earn up to 24 complimentary rounds in a year. Complimentary rounds earned based on monthly spends are valid for 60 days from the day it is updated in the customer's Golftripz account.

***This is based on the assumption that the Cardholder is visiting Visa lounge 2 times in a quarter. This includes only access to the lounge.

****1% fuel surcharge waiver is available on all transactions below Rs 4,000. Fuel surcharge waiver is available on fuel purchases at all petrol pumps.

*****This is based on the assumption that the cardholder is visiting affiliated railway lounges once every quarter


The above chart is purely for illustration purposes and is merely indicative in nature. The information provided regarding products, services, offers, benefits, reward programmes etc. of ICICI Bank/third party are governed by the detailed terms and conditions, internal policy guidelines as specified by ICICI Bank/third party from time to time and are subject to applicable laws and regulations. Actual benefits/savings/rewards will be based on the total spends on the credit cards and spends on various reward categories by the cardholders. Cardholders are requested to make an independent analysis and their own assessment, evaluation and judgement on the information mentioned hereinabove. The benefits, offers, reward points etc. will be available only on those merchant establishments with whom ICICI Bank and Visa have a tie up.

The information provided hereinabove does not amount to an offer, sponsor or advice as regards to any product or services of ICICI Bank or any of its group companies or third parties and is not intended to create any rights or obligations in this regard. ICICI Bank does not undertake any liability or responsibility for the details, accuracy, completeness, not-errors or correctness of any content or information provided hereinabove. Any dispute or claim regarding the goods, services brought about by the third party must be resolved by the cardholder with the third parties directly without any reference to ICICI Bank.

Popular FAQs

What is the credit period for credit card?
Credit free period of 48 days depends on your statement date.
How often can I change my Credit Card limits?
There is no cap on the number of times the limit can be changed
What should I do if my Debit Card is not working?
If you are unable to transact on your credit card, you may call our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number. To know the local Customer Care numbers, please click here.

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