India's first dual Platinum Credit Card

ICICI Bank Credit Cards

KEYNOTE

It was once believed that dreaming of rubies would predict coming success in business, money and love.

WELCOME TO A WORLD OF INFINITE POSSIBILITIES.

The gemstone 'Ruby' is traditionally believed to bless its owners with wealth and prosperity.

It symbolizes richness, vitality and strength. Taking inspiration from these qualities, we have designed

a Credit Card that endeavours to enrich your lifestyle further.

We are pleased to present ICICI Bank Rubyx - India's first dual Platinum Credit Card.

This card offers for the first time in India the benefits of both the American Express & MasterCard

platforms in a single account i.e. you can spend on both the variants but you will get one statement,

pay one consolidated fee and pay the bill with one single cheque.

That's not all - with a flexible reward plan that can be customised to your spends and exclusive

offers on golf, wellness, dining and entertainment from around the world, you have got cards that are

unique; much like the Ruby.

Welcome to a lifestyle with exclusive privileges and unmatched benefits. Welcome to the ICICI Bank

Rubyx life.

Complimentary set of Sennheiser HD219 Headphones

More details of your joining gift are available in the credit cards section ofour website at www.icicibank.com

Joining Fee : ` 3000 + Service TaxAnnual Fee*(2nd year onwards) : ` 2000 + Service Tax

*If the spends on your ICICI Bank Rubyx Credit Cards are ` 2,50,000 or more duringan anniversary year, the Annual Fee for the subsequent year shall be reversed.

ICICI Bank Credit CardsFees and Joining privileges

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THE PRIVILEGESOF TWO CARDS

THE CONVENIENCE OF ONEOne card accountOne monthly statementOne line of creditOne joining fee

Advantages of 2 networks: American Express and MasterCard Access to exclusive privilege programmes including

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FLEXIBLE REWARD PLANSGet more than you expect with the ICICI Bank Rubyx Credit Cards which have been specially designed to deliver higher rewardsspecific to your lifestyle.

Purchases at selected reward plan merchants(Shopping/Travel/Essentials)

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Other purchases 3 2

ICICI Bank Rubyx American Express® Credit Card ICICI Bank Rubyx MasterCard Credit Card

Earn 50% more rewards on the ICICI Bank Rubyx American Express® Credit Card.

3 Redeem the rewards for an exciting selection of gifts or cash. Each reward point is equivalent to ` 0.25 when redeemed for cash.

4 Enjoy the freedom to change the reward plan every 6 months as per your pattern of spending*.

*Nominal fee applicable. **Standard call charges apply.

To redeem your PAYBACK points:• Redeem for cash - Call 080-40146444**. The equivalent amount will be credited to your account within 7 working days.• Redeem for rewards - Call the PAYBACK contact centre on 1860-258-5000** or place an online request for redemption at www.payback.in. The reward of your choice will be delivered within 10 working days.• Now, you can also redeem your PAYBACK points by calling ICICI Bank 24-hour Customer Care.

The industry category of purchase for Shopping/Travel/Essentials eligible for bonus PAYBACK points will be decided on the basis of industry code for the merchant establishment, as defined by American Express and MasterCard, where the purchase is made.

The Hebrews believed a dragon carved onto a ruby brings prosperity, health and joy to its owner.

1 Choose from 3 different reward plans based on your likely spend categories. • Shopping Groceries, supermarkets, retail fashion, departmental stores, consumer durables and electronics • Travel Travel agents, airlines, car rentals and hotels • Essentials Groceries, supermarkets, utilities/bill payments, healthcare and wellness

2 Earn up to 6 PAYBACK points on every ` 100 spent.

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Buy 1, get 1 movie ticket free all through the week at www.bookmyshow.com

To book your movie ticket and for detailed Terms and Conditions please log on to www.bookmyshow.com

Get up to 2 free tickets per month valued at up to `250 per ticket. Successful booking is on first come first serve basis and is subject to daily stock availability.

Terms & Conditions apply. Please visit www.icicibank.com for details.

E n t e r t a i n m e n t

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ICICI Bank Credit Cards Experience is an exclusive privilege programme designed to provide superior

value and benefits relevant to your lifestyle choices. This programme is crafted to ensure that every

moment of your life is a memorable experience.

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India - 2 complimentary rounds every month at 12 premier golf courses across India with savings of up to 10% on additional rounds of golf.International - 2 complimentary rounds of golf every month and savings on additional rounds at 90 of the finest courses in the world. Successful booking is on first come, first serve basis subject to weekly stock availability.

It has never been easier to play a game of golf. Enjoy access and complimentary rounds at golf courses in India and across the world.G o l f

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90% of all rubies are produced in Burma.

To book your game:• Log on to www.teetimes.golftripz.com, register your eligible Credit Cards, explore available tee time slots at leisure and make your preferred booking. In case of any issues contact i-Assist, our 24 x 7 concierge service on 1800 26 70731 (toll free for MTNL/BSNL lines) or 022 6787 2016 (standard call charges applicable).

• For the complete list of courses, details, Terms and Conditions log on to www.icicibank.com

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W e l l n e s s

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Enjoy 30% savings on Ayurvedic packages and 50% savings on personal lifestyle and fitness evaluation with Dosha analysis at Kairali outlets.

Enjoy a wide range of spa therapies and massages at The Four Fountain Spa. Savings of 10% on all services await you.

• Prior booking/appointment is required for availing the offers at all outlets. Please pay using your ICICI Bank card to avail the offer.

• The offer is valid until 31st March, 2015 at all participating outlets of Kairali and The Four Fountain Spa on the published rate card only.

Call i-Assist, our 24x7 concierge service on 1800 26 70731 (toll free for MTNL/BSNL) or 022 6787 2016 (standard call charges applicable) for making a prior appointment.

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We invite you to rejuvenate yourself at leading spas and wellness centres across India with refreshing privileges.

For a complete list of offers, partners, Terms and Conditions please refer to www.icicibank.com

This service is provided by a third party engaged by ICICI Bank. Terms and Conditions of ICICI Bank and third party apply.

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High ranking Chinese officials were given rubies as they were believed to provide guidance and teaching.

(available for you in New Delhi, Mumbai, Kolkata, Hyderabad, Bengaluru and Chennai including towing, repair and alternative travel assistance)

To speak to our specialists at i-Assist, • please call 1800 11 3111 (toll free for MTNL/BSNL) or 011 4189 8865 (standard call charges applicable). • Please visit www.icicibank.com for more details.

• Hotel referral and reservation

• Restaurant referral and reservation

• Flight referral and reservation

• Car rental and limousine service

• Flower and gift assistance

• Booking and delivery of movie tickets

• Medical concierge privileges

• Emergency auto assistance across India

Disclaimer:This service is provided by a third party engaged by ICICI Bank.

C o n c i e r g e

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Relax while i-Assist, our 24x7 concierge service takes care of all your needs from making travel and hotel reservations to booking cars and delivering movie tickets at your doorstep. The services incude:

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*One complimentary visit to Altitude Lounge every year. Lounge access restrictions and terms apply. For detailed Terms and Conditions or the updated list of lounges, please visit www.icicibank.com This card is issued by ICICI Bank pursuant to a license from American Express.

PRIVILEGES OF THE ICICI BANK RUBYX AMERICAN EXPRESS® CREDIT CARD

With your ICICI Bank Rubyx American Express® Credit Card, you not only get accelerated rewards, but also a world of privileges, rewards and savings exclusive only to American Express card members. Take a moment to discover more about some of the exciting benefits of your new card.

For a complete list of offers, partners, Terms and Conditions please refer to www. icicibank.com

Enjoy 20% off at some of the finest restaurants, courtesy one of American Express truly global platforms with more than 10,000 participating merchants across the world. To view the full list of participating restaurants, visit www.amexnetwork.com/selects.

Enhance your travel experience with dedicated access to the Altitude Lounge*. Experience personalized attention and wi-fi connectivity, while you enjoy an array of gourmet snacks and refreshments, only minutes away from your departure gate. To enjoy the Lounge benefits, please present your ICICI Bank Rubyx American Express® Credit Card at the front desk.

Shop at US online stores with delivery in India.globaleshop is an online service, enabling you to shop at over 300,000 US online stores and having your order delivered to your doorstep right here in India. Visit www.globaleshop.com/icici to learn more.To start shopping, please log on to www.globaleshop.com and pay by your ICICI Bank Rubyx American Express® Credit Card.

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PRIVILEGES OF THE ICICI BANK RUBYX MASTERCARD CREDIT CARD

The ruby is second only to the diamond in terms of hardness and pricing.

Your ICICI Bank Rubyx MasterCard Credit Card offers a range of incredible benefits like exclusive lounge access, savings on travel, entertainment and more. Read on to discover the benefits of your ICICI Bank Rubyx MasterCard Credit Card.

Enjoy complimentary access to select airport lounges in India with your ICICI Bank Rubyx MasterCard Credit Card. Dial MasterCard For You at 1800-102-6263/022-42006396 for more information.

* To avail, please present your Credit Card at the lounge. For the most updated list of lounges, please visit www.icicibank.com

Lounge access

MasterCard moments is an exclusive program specially created for MasterCard cardholders. At the heart of this program is a host of exceptional experiences designed to inspire and enrich the lives of our MasterCard cardholders. For more details, visit www.mastercardmoments.com

MasterCard Moments

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Make a good meal, a great experience. Shower your taste buds with delicious treats at leading restaurants across India and get great discounts too.

Save a minimum of 15% on your dining bill at all participating restaurants. To view the complete list of restaurants visit www.culinarytreats.com. You can also download the ICICI Bank Culinary Treats mobile app from or Download on the

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E

Fuel Surcharge Waiver

For a change,

you will want to take

the long route home. The

ICICI Bank Rubyx Credit Cards

gives you a complete waiver

of 2.5% on the fuel surcharge

every time you refuel.

BILL PAYMENT OPTIONSOnline Payment: Make your credit payment online through the Bill Pay option (for ICICI Bank Savings Account) or Click to Pay (for other bank savings account holders) option. ICICI Bank Savings Account holders can also make the Credit Card payment through our 24-hour Customer Care.

Auto-debit: Control when and how you make payments without ever missing one! ICICI Bank Savings Account holders have the convenience of an auto-debit facility to pay your Credit Card payment directly.

Cheque/Draft: You may also deposit your cheque or bank draft favouring your ICICI Bank Rubyx Credit Card No. 3747 40xx xxxx xxx at any of the ICICI Bank branch drop boxes. Please note that an ICICI Bank cheque will take 3 days to clear and a non-ICICI Bank cheque will take a minimum of 5 days to clear.

According to legend, if someone made an offering of rubies to Lord Krishna they would be reborn as an emperor.

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BENEFITS FORYOUR CONVENIENCE

Utility Bill Payment: Use your ICICI Bank Rubyx Credit Cards to make utility bill payments from the comfort of your office or home through our Internet Banking Services or our 24-hour Customer Care.

Supplementary Cards: You can also share these card benefits with your family members and present up to two supplementary cards to your parents, spouse, children or siblings above the age of 18 years.

E-mail Statements and Mobile Alerts: E-mail statements and mobile alerts are faster and more reliable ways to get information without postal delays and ensure easier access while on the move! Please join the ICICI Bank Go Green Initiative. Save time and paper by subscribing to e-mail statements.

ICICI Bank 3D Secure Service: The ICICI Bank 3D Secure Service, verified by MasterCard SecureCode/American Express SafeKey, is the second level of authentication for your online card purchases which protects your card against frauds. As per RBI rules, you must now also enter your unique MasterCard SecureCode PIN/Unique American Express SafeKey PIN besides the CVV/Expiry date while shopping online. This service is free and you may register your card by visiting www.icicibank.com, from the time you receive your card. Please note that each of your ICICI Bank Credit Cards must be registered individually.

Online Banking: Register on www.icicibank.com and view your monthly statement, follow payment status and make bill payments along with a host of other online services.

ATM Withdrawals: In times of urgency in India or while travelling overseas, you can withdraw cash* from ATMs bearing American Express/MasterCard logos up to the available cash limit. For the updated list of ICICI Bank ATM locations, please visit www.icicibank.com. The interest rate for cash withdrawal will be as per the 'Annualized Percentage Rate' (APR) applicable on your Credit Cards. Please refer to the Most Important Terms and Conditions (MITC) to know the APR of your Credit Card. Your available cash limit will be NIL for the first 180 days.

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DISCLAIMER:The information provided herein regarding products, services, offers, benefits etc. of ICICI Bank/Merchants/third party are governed by their detailed Terms and Conditions, internal policy guidelines as specified by ICICI Bank/Merchants/third party from time to time and are subject to applicable laws and regulations. The Information provided hereinabove does not amount to an offer or sponsor or advice as regards 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. ICICI Bank does not undertake any liability or responsibility for the errors, details, accuracy, completeness or correct sequence of any content or information provided hereinabove or for any loss or damage incurred by anyone in reliance on anything set out herein. Any dispute or claim regarding the goods, services brought about by the Merchants/third party must be resolved by the customer with the Merchants/third party directly without any reference to ICICI Bank. Any reference to service levels in this document are only indicative and should not be construed to refer to any commitment by ICICI Bank or any other service provider. The use of any information set out herein is entirely at the recipient's own risk and discretion. The ICICI Bank and I-man logos are trademark and property of ICICI Bank Ltd. Misuse of any intellectual property, or any other content displayed herein is strictly prohibited. Images used herein are for purposes of illustration only.

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