ICICI Bank Rubyx Credit Card

About ICICI Bank Rubyx Credit Card

ICICI bank has crossed many milestones in its journey towards becoming one of the largest and most reputed banks in the country. Not only it has many loyal and content customers in its kitty, the product line of the bank makes it exclusive and highly appreciable. Keeping the varied needs of its clients in mind, ICICI bank has launched numerous financial products and services to aid financial urgencies of people.

One such product is ICICI Bank Rubyx Credit Card. This product has grabbed the attention of shoppers ever since its launch. The major reason behind the success of ICICI Bank Rubyx Credit Card is the endless list of benefits and offers that it provides. The card allows the bearer to choose from different reward plans pertaining to shopping (groceries, supermarkets, retail fashion and electronics), travel (travel portals, travel agents and car rentals) and essentials (bill payment, healthcare and wellness) as per his/ her convenience. Not only this, ICICI Bank Rubyx Credit Card also offers PAYBACK points, giving you heavy discounts on retail purchases. Read on to know more about this record-breaking product!

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Features of ICICI Bank Rubyx Credit Card

Some of the main features of ICICI Bank Rubyx Credit Card are listed below:

  • A set of Sennheiser HD221 earphones as a complimentary joining gift.
  • You get to make a choice amongst 3 different reward plans- Shopping, Travel or Essentials- on the basis of your routine expenditure.
  • Get 2X reward points on expenditure done from your preferred reward plan.
  • A monthly complimentary round of golf at your preferred golf course based on eligibility of your expenditure on the card.
  • On bookings made through Bookmyshow, you earn 2 complimentary movie tickets on a monthly basis.
  • Complimentary access to select airport lounges, courtesy American Express and MasterCard.
  • Courtesy Culinary Treats Program, you get a minimum of 15% waived off on your dining bills at over 800 restaurants across the nation.
  • On a total expenditure of ₹3,00,000 and above, the annual fee of the subsequent year would be reversed.
  • MasterCard Privileges:
    • 2 Complimentary domestic airport lounge visits per quarter
  • American Express Privileges:
    • American Express Connect: American Express Connect provides a wide variety of offers across travel, lodging, dining, retail and online shopping.
    • American Express ezeClick: American Express ezeClick provides swifter, easier and smarter options for online transactions. With this option you would be able to save your time of feeding-in your card details at every transaction and would only have to use a single User ID.
    • Lounge Access: With ICICI Bank Rubyx american Express Credit Card, you can enjoy access to select airport lounges across India and cherish the experience.
    • American Express EPAY: With American Express EPAY, you can enjoy the facility of ‘Auto Pay’ and cherish the ease of paying your utility bills in just one step.
  • ICICI Bank Privileges:
    • On bookings made through Bookmyshow, get a complimentary movie ticket free under Buy 1 Get 1 Offer on a monthly basis.
    • Get 2 movie tickets free worth up to ₹250, monthly.
    • Get 20% discount on Ayurvedic packages and 50% discount on personal lifestyle and fitness evaluation at Kairali.

Processing fees & Charges

Below are listed the charges and fee that the applicant would have to pay at the time of availing the card and subsequently on an annual basis:

  • ICICI Bank charges a joining fee of ₹3,000 along with applicable Service Tax while giving you access to your Credit Card.
  • There are no annual charges for the first year of membership. After the first year, an annual fee of ₹2,000 is chargeable along with the applicable Service Tax.
  • There is no supplementary card fee that is charged on this Credit Card.
  • The bank charges an overdue interest on extended credit and cash advances of 3.40% on a monthly basis which cumulates to become 40.80% annually.

Eligibility Criteria for ICICI Bank Rubyx Credit Card

ICICI bank follows the below listed eligibility criteria:

  • Age Limit: The age limit of the applicant must be between 18 years to 60 years. The add-on age limit is 15 years.
  • Income Stability: The applicant is desired to have a stable source of income so as to keep up with the process of repayment.
  • Nationality: The applicant should have an Indian nationality.
  • Credit Score: The applicant should bear a good credit score and shouldn’t have credit defaults to his name.

Necessary Documentation Required

The documents required to apply for the ICICI Bank Rubyx Credit Card are:

  • Proof of Identity
  • Proof of Address
  • PAN Card
  • ITR or salary slips for the last 2 months
  • Passport sized photographs

Terms & Conditions

The terms and conditions for this ICICI Credit Card are as follows:

  • Late Payment Charges: The card bearer would have to pay the late payment charges as follows
    • ₹100, if the late amount due is between ₹100-₹500
    • ₹500, if the late amount due is between ₹501- ₹10,000
    • ₹750, if the late amount due is more than ₹10,000
  • Over limit charges: ICICI bank charges 2.50% (a minimum of ₹500) on the over-limit amount if the card bearer exceeds the prescribed limit of the card.
  • Grace Period: The interest-free grace period allowed by the bank is between 18 to 48 days.
  • Credit and Withdrawal Limit: The Credit and Withdrawal Limit is communicated to the card-bearer at the time of delivery of the card and would also be indicated in the monthly statements.

How to Apply for ICICI Bank Rubyx Credit Card Online at Wishfin?

After checking the offers and other details, you want to apply for the card, right? Well, you can do so easily at Wishfin, a premier online financial marketplace displaying the best of credit card and other product offers. As of now, there are three convenient credit card application modes available at Wishfin. These are application form, apply via WhatsApp and Wishfin Chat. In each of the three modes, you need to give a few personal and professional details which hardly remain a matter of few minutes.

ICICI Bank Rubyx Credit Card Application Status Online

You can check the application status of the card on ICICI Bank website. All you need to do is to enter your mobile number, date of birth, application number, and click on ‘Send OTP to receive the 4-digit number on your mobile. Enter the One-time Password (OTP) and then click on ‘Continue’ to know the exact status.

ICICI Bank Rubyx Credit Card Customer Care Support 24X7 Number

ICICI Bank has a prompt and efficient Customer Care division to help out with the grievances and concerns of the customers. You can reach out the ICICI Customer Care by:

  • Visiting the ‘Complaint Form’ on the official website of ICICI Bank
  • Calling the Customer Care 24X7 Helpline on 1800-102-4242 between 9am to 6pm from Monday to Friday
  • Writing to the Nodal Officer at the address mentioned on the official website of ICICI bank

PS- Do mention your Credit Card Number while getting in touch with ICICI Customer Care.

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