ICICI Bank Rubyx Credit Card Against Fixed Deposit Review

ICICI bank is one of the versatile and customer-friendly banks in India which offers various financial products among which credit card is one of the most shouted products, icici bank rubyx credit card against fixed deposit provides a hassle-free experience to its users. You can get this icici bank credit card against fixed deposit. Let’s go deeper and see what kind of benefits this card offer.

ICICI credit card eligibility criteria:

  • Resident Type: Indian. 
  • ICICI bank credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: This card can be issued against a fixed deposit account.
  • ICICI bank credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: This is an icici fd credit card that means this card can be issued against a fixed deposit account.
  • Min F.D amount: Rs. 75,000. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip (3 months) 
      • ITR (Income Tax Return)
    • Self-employed person
      • Latest income tax return.  
      • Proof of business
      • Recently audited financial report. 

Fee:

  • Joining Fee: Rs. 3,000 + GST
  • ICICI rubyx credit card annual fee: Rs. 2,000 + GST

ICICI rubyx credit card benefits:

The icici rubyx credit card benefits are discussed below. 

  • Welcome benefit:

With the issuance of the icici rubyx credit card and the payment of the joining fee, you will get a gift voucher of Rs. 5,000, for Shopping and travel-related uses. 

  • Reward benefit:

With this icici bank fd credit card, you can earn up to 15,000 icici credit card payback points every year.

You will get 2X rewards on all Rs. 100 international transactions.

You will get 2 PAYBACK Points on every Rs. 100 spent in India, except fuel.

1 PAYBACK icici credit card points value is equal to Rs. 0.25

You can check your earned icici credit card payback points from your net banking or mobile banking account. You can also set your icici rubyx credit card limit from there. 

  • ICICI rubyx credit card lounge access benefit: 

If you can spend Rs. 5000 in a calendar quarter with your card, then you will get 2 complimentary lounge accesses in the next quarter. 

You can find the icici rubyx credit card lounge access list here. 

  • Movie benefit:

When you book movie tickets from BookMyShow with your icici rubyx credit card, you will get up to Rs. 150 discount. You can avail of this benefit two times a month. 

  • Dining benefit:

Under the Culinary Treats program, you will get exciting benefits on your dining bill. You can visit the ICICI Bank website for more details. 

  • Golf access:

With an eligible spend in the previous month, you will get 2 free golf rounds per month. 

  • Fuel surcharge waiver:

This icici rubyx credit card offers a 1% waiver on fuel surcharges, this offer is applicable at any fuel station in India. 

  • Insurance coverage:

This card comes with personal air accidental coverage of Rs. 1crore and baggage insurance coverage of Rs. 50,000.  

  • Lost card liability coverage:

This card comes with lost card liability coverage of Rs. 50,000, applicable on 2 days of pre-reporting and 7 days of post-reporting. 

  • Security:

This card comes with the advanced EMV Chip and PIN security, it adds an extra layer of protection to your transactions. 

ICICI rubyx credit card charges:

  • Cash Withdrawal Charge: 2.50% against the transaction amount, min Rs. 300. 
  • Finance Charge: 3.40% monthly. 
  • Foreign currency transaction: 3.50% against the transaction amount. 

Contact Details:

Call: 1860-120-7777

Mail: You can mail the service authority just by visiting their website here: https://www.icicibank.com/complaints/complaints.page 

100xGain Ratings:

6/10

Final Opinion:

For a beginner, this card is very helpful, it offers 2 icici credit card payback points on the domestic transaction, 2 free lounge access per quarter, two golf rounds in a month, etc. so if you are a beginner then this card can be an option for you. 

But there are some major drawbacks with this card, that put a black mark on it. First of all the joining and annual fee of this card is way too high and the benefits of this card cannot justify it. Secondly, the lounge and golf benefits offered by this card come with a catch, you have to spend a decent amount with your card to be eligible for them. 

So, if you are not satisfied with the icici bank rubyx credit card benefits then take a look at the alternative card options given below. 

Alternative Cards: 

  1. Bandhan Bank Standard Chartered Plus Credit Card. (Best for reward points)
  2. ICIC Bank Sapphiro Credit Card. (Best for Lounge and Golf access)
  3. Indusind Bank Legend credit card. (Best for Lounge and Golf access)
  4. Yes First Preferred Credit Card. (Best for Lounge and Golf access)

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