ICICI Rubyx Credit Card

[nikhilchauhan]

This ICICI bank Rubyx credit card is created for distinguished customers who are looking for a variety of premium benefits, rewards, and privileges. These ICICI ruby credit cards provide complete customer benefits for their lifestyle and travel needs. These cards are helpful in fuel waiver charges, and discounts on dine-out and movie tickets. The card provides an additional layer of security in terms of financial activities.

This ICICI Rubyx credit card is one of India's first dual platinum credit cards that was available in VISA and Mastercard network varieties. The premium card costs Rs. 2000 annually and is considered an ideal card for travellers. This card offers a plethora of benefits that are tailored exclusively for high-spending customers.

Requirements of ICICI Rubyx Credit Card

The joining fee for this card is Rs. 3000 and on payment of the membership fee, the individual will get shopping and travel coupons that cost more than Rs. 5000. This annual fee of Rs. 2000 can be waived on spending amounts more than 3 lakh in the previous year. This card can be given to customers whose salaried income is Rs. 50000 per month and Rs.75000 per month. This card provides welcome benefits vouchers worth Rs. 5000.

This credit card provides welcome gift vouchers of TataCliq vouchers amounting to Rs.2000. This card provides vouchers of EaseMyTrip vouchers of Rs.2000, Uber vouchers of Rs.250, and Croma vouchers amounting to Rs.1000.

Eligibility for Application of Credit Card

• To apply for an ICICI Rubyx Credit card the following eligibility is required:
• The individual needs to attain the age of 23 years for a primary card and 18 years for a supplementary card
• The individual's salary must be more than Rs.50000. However, for a self-employed person, the annual income must be Rs. 550000.

Documents Required for Application

• The following documents are required for the application for an ICICI Rubyx credit card:
• PAN Card, Aadhar Card, Voter's ID, and Driving License are required for identity proof.
• However, the individual needs to submit an electricity bill or phone bill as address proof.
• The individual needs to submit the latest Income tax returns acknowledgement and Salary slips.
• The individual needs to submit his/her passport-size photograph.

Importance of ICICI Rubyx Credit card

• Improved Lifestyle

This ICICI Rubyx credit card is composed in such a way that the lifestyle of the user can be increased by offering excellent privileges and rewards in several categories. This lifestyle can be improved in categories like dining, entertainment, travel, and sports. This card is beneficial for those individuals who seek to enjoy a lavish lifestyle.

• Complete Rewards program

This card offers a rewards program in such a way that after every transaction a reward is received by the user. Thus, it will encourage the user to spend more and allow the user to redeem these points in a wide range of products and services.

• Cost Savings

This card offers benefits like fuel charge waiver, discounts on dining out and complimentary movie tickets. The cardholders can enjoy substantial savings on their expenses. Therefore, this ICICI rubyx credit card is a cost-effective card option for regular expenses.

• Travel Convenience

This card offers travel vouchers or benefits like airport lounge access and insurance. This card is beneficial for frequent travellers. This benefit will provide comfort, safety and savings.

• Golf Privileges

This exclusive card offers complimentary benefits to golf enthusiasts that provide them with sports activity without any cost.

Application Process

This card can be obtained in two ways online and offline. To apply for this card, the individual must visit the nearest ICICI bank and fill in the physical application form. However, to apply for online for ICICI Rubyx credit card the individual needs to follow below steps:

1. The individual must visit ICICI Bank's official website.
2. The individual needs to visit the cards section on the website.
3. The individual needs to scroll down to search for a Rubyx credit card.
4. The individual needs to select Get a card and it will navigate to the online application form.
5. The individual needs to fill out the essential information and paperwork.
6. Security characteristics of ICICI Bank Rubyx Credit Card.

ICICI bank credit cards arrive with EMV chips embedded in them and this chip acts as an additional security feature against other card duplication. The card holders are provided with a PIN for authentication of any transactions using an ICICI Rubyx credit card. However, for online transactions, the user must register for a 3D secure feature on the website.

FAQ

1. What is the process of increasing the limit on credit cards?

Ans: The individual will receive an SMS with an offer to increase the credit card limit. The individual needs to reply to that SMS and the bank will provide a way to increase the credit limit of such individuals.

To conclude, this ICICI Rubyx credit card is offered with excellent benefits and rewards that are used for shopping for several items.