If you are new in the credit card market and looking for a secured credit card to begin with, then the icici bank rubyx credit card against fixed deposit would be a solid choice for you. It lets you enjoy assured payback points with every transaction, free access to airport lounges, huge discounts on dining and movie expenses, and lots more. More about the benefits of this icici rubyx card are mentioned below.
What are the icici credit card eligibility criteria?
- Resident Type: Indian.
- ICICI bank credit card eligibility criteria for salaried person:
- Age: 21 to 60 yrs.
- Income: You can get this credit card on fd.
- ICICI bank credit card eligibility criteria for self-employed person:
- Age: 21 to 65 yrs.
- Income: You can get this icici fd credit card against a fixed deposit account.
- Min F.D amount: Rs. 75,000.
What documents are required to apply for an icici credit card against fd?
- Photocopy of ID Proof (any 1)
- Aadhar card
- Voter Card
- PAN Card
- Photocopy of Address proof (any 1)
- Last 6 months bank account Statement
- Aadhar Card
- Driving License
- Utility bill
- One recent passport-sized photographs
- Proof of income statement (Since it is a secured card you don’t need to provide any)
What are the icici rubyx credit card fees?
- ICICI rubyx credit card joining fee: Rs.3,000 + GST
- ICICI rubyx credit card annual fee: Rs.2,000 + GST
What are the icici rubyx credit card benefits?
A huge joining bonus to welcome you:
As you activate your icici rubyx credit card for the first time, you will get a gift voucher of Rs.5,000, for Shopping and travel-related uses.
Make your every transaction rewarding:
With this icici bank fd credit card, you can earn up to 15,000 icici credit card payback points every year.
Category of transaction
|icici payback points for every Rs.100 transaction|
|Domestic transactions (excluding fuel)||2 icici payback Points|
|ICICI credit card international transactions||2X icici payback points|
1 PAYBACK icici credit card points value is equal to Rs. 0.25. You can check the status of your icici credit card payback points from your credit card net banking account.
Complimentary icici rubyx credit card lounge access facility:
on spending Rs.5000 with your card in a calendar quarter, you will get 2 complimentary lounge accesses in the next quarter. Click here to find the icici rubyx credit card lounge access list. Also, this rubyx credit card features 2 free quarterly access to domestic railway lounges.
Exclusive icici movie ticket offers:
If you use this icici rubyx credit card to book at least 2 movie tickets from BookMyShow or Inox, you will get a 25% discount (upto Rs.150) on the booking value. This icici credit card movie offer is applicable 2 times a month on both Inox and BookMyShow individually.
Attractive ICICI credit card dining privileges:
Under the icici bank culinary treats program, the rubyx card offers some impressive savings on your dining expenses.
Exclusive deals for golf lovers:
On spending Rs.50,000 with your icici rubyx card within a month, you will get 2 free golf rounds in the next month. Click here for the golf courses list.
Attractive icici credit card fuel surcharge waiver:
This icici rubyx credit card offers a 1% waiver on fuel surcharges, across all fuel stations in India.
Opportunity to make your icici rubyx credit card lifetime free:
On spending Rs.3,00,000 with your card within a year, you can get a complete waiver on your next year’s icici rubyx credit card annual fee.
Complimentary ICICI credit card insurance coverage:
Total coverage amount
|Personal accidental coverage||Rs.1 Cr|
|Baggage insurance coverage||Rs.25,000|
|Lost travel documents||$500|
|Loss of checked-in baggage||$12,000|
|Rubyx credit card lost card liability coverage||Rs.50,000(applicable on 2 days pre-reporting and 7 days post-reporting)|
This ICICI fd credit card is equipped with the advanced EMV chip, these chips use a very strong encryption method to store your credit card details making your card extremely resistant to credit card cloning.
What are the icici rubyx credit card charges?
|ICICI credit card atm withdrawal charges||2.50% against the transaction amount, min Rs.300 (Check your icici rubyx credit card limit before making a withdrawal)|
|ICICI credit card finance charge||ICICI credit card interest rate per month can go up to 3.40%|
|ICICI international credit card transaction charge||3.50% against the transaction amount.|
How to contact the icici credit card customer service department?
- Call the icici credit card helpline no: 1860-120-7777 / 022-3366-7777 or +91-40-7140-3333
- Write to the icici bank credit card mail id: firstname.lastname@example.org
Pros and cons of the ICICI rubyx credit card:
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 icici secured credit card can be an option for you.
But there are some major drawbacks with this icici card like high annual fee and the catch on lounge and golf benefits which put a black mark on it. So, if you are not satisfied with the icici bank rubyx credit card benefits then make sure to take a look at the alternative card options given below.
Alternative cards of the icici bank rubyx credit card:
- Bandhan Bank Standard Chartered Plus Credit Card (Best for reward points)
- ICICI Bank Sapphiro Credit Card (Best for Lounge and Golf access)
- Indusind Bank Legend credit card (Best for Lounge and Golf access)
- Yes First Preferred Credit Card (Best for Lounge and Golf access)
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