ICICI Rubyx Credit Card: Ek Premium Card Jo Aapki Lifestyle Ko Badal De!

 # ICICI Rubyx Credit Card: Ek Premium Card Jo Aapki Lifestyle Ko Badal De!

Hey dosto, agar aap ek aisa credit card dhoondh rahe ho jo aapki lifestyle ko upgrade kare, toh **ICICI Rubyx Credit Card** ek zabardast option hai! Ye card nahi, ek experience hai jo travel, dining, shopping, aur entertainment ke maze ko aur bhi exciting bana deta hai. Isme dual platinum card ka feature hai, yani ek hi account ke saath do cards – ek Visa ya MasterCard aur ek American Express. Is article mein hum baat karenge is card ke benefits, kaise apply karna hai, eligibility criteria, aur bhi bohot kuch, toh chalo shuru karte hain!

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## Kya Hai ICICI Rubyx Credit Card?

ICICI Rubyx Credit Card ek premium credit card hai jo specially unke liye design kiya gaya hai jo apni zindagi mein thodi luxury aur convenience chahte hain. Ye India ka pehla dual platinum credit card hai, jisme aapko ek account ke saath do cards milte hain. Iska matlab? Aapko ek hi statement aur fee ke saath do alag-alag networks ke benefits milenge – Visa/MasterCard aur American Express. Ye card travel lovers, movie buffs, aur big spenders ke liye perfect hai, kyunki isme rewards, lounge access, aur discounts ka bhandaar hai!

### Features Aur Benefits of ICICI Rubyx Credit Card

- **Welcome Vouchers**: Joining fee dene ke 30-45 din ke andar aapko **Rs. 5,000+ ke shopping aur travel vouchers** milte hain from brands like Tata CLiQ, Croma, Uber, aur EaseMyTrip. Ye toh bas shuruaat hai

- **Reward Points**: 

  - Har Rs. 100 ke domestic spend pe **2 reward points**.

  - International spends pe **4 reward points** har Rs. 100 pe.

  - Utilities aur insurance pe **1 reward point** har Rs. 100 pe.

  - Redeem karo vouchers, cashback, ya lifestyle products ke liye

- **Movie Discounts**: BookMyShow aur INOX pe har mahine do baar **25% discount** (up to Rs. 150) jab aap minimum 2 tickets book karte ho.[](https://www.icicibank.com/personal-banking/cards/credit-card/rubyx-credit-card)

- **Lounge Access**: 

  - Har quarter mein **2 complimentary domestic airport lounge visits** (Visa variant) aur **2 railway lounge visits** (primary cardholder ke liye) agar aap pichle quarter mein Rs. 75,000 spend karte ho.[](https://www.icicibank.com/personal-banking/cards/credit-card/rubyx-credit-card)

  - MasterCard aur Amex variants pe 1-1 lounge access per quarter.[](https://cardinsider.com/icici-bank/icici-bank-rubyx-credit-card/)

- **Golf Privileges**: Har Rs. 50,000 ke spend pe ek **complimentary golf round/lesson**, max 2 rounds per month.[](https://www.icicibank.com/personal-banking/cards/credit-card/rubyx-credit-card)

- **Dining Offers**: ICICI Bank Culinary Treats program ke under 2,500+ restaurants pe **minimum 15% discount**.[](https://www.bajajfinservmarkets.in/credit-card/icici-bank-rubyx-credit-card)

- **Insurance Benefits**: 

  - **Rs. 1 crore air accident insurance** (international travel ke liye, jab ticket card se book ho).

  - **Rs. 50,000 lost card liability** cover.[](https://select.finology.in/credit-card/icici-bank-rubyx-credit-card)

- **Fuel Surcharge Waiver**: HPCL petrol pumps pe ICICI Merchant Services swipe machine se Rs. 400-4,000 ke transactions pe **1% surcharge waiver**.[](https://cardmaven.in/icici-bank-rubyx-credit-card-review/)

- **Concierge Service**: 24x7 i-Assist service jo aapke travel, hotel, ya event bookings ko handle karta hai. Call karo 1800-26-70731 pe

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## Kaise Apply Kare ICICI Rubyx Credit Card Ke Liye?

ICICI Rubyx Credit Card ke liye apply karna bilkul aasaan hai. Aap online ya offline dono tarike se apply kar sakte ho. Yahan step-by-step process hai:

1. **Online Application**:

   - ICICI Bank ki official website (www.icicibank.com) pe jao.

   - Homepage pe “Cards” section mein “Credit Cards” select karo.

   - Rubyx Credit Card pe click karo aur “Apply Now” button dabao.

   - Personal, employment, aur financial details fill karo.

   - OTP verify karo aur documents upload karo.

   - Aapka application review ke liye chala jayega, aur approval ke baad digital card instantly milega. Physical card 7-10 din mein deliver ho jayega.[](https://credofly.com/icici-bank-rubyx-credit-card-review/)

2. **Offline Application**:

   - Apne nazdeeki ICICI Bank branch mein jao.

   - Wahan ek executive se baat karo aur application form fill karo.

   - Required documents submit karo.[](https://groww.in/credit-card/icici-rupay-credit-card)

3. **Pre-Approved Offers**:

   - Agar aap existing ICICI Bank customer ho, toh iMobile app ya website pe check karo. Aksar pre-approved offers milte hain, jisme instantly approval mil sakta hai.[](https://credofly.com/icici-bank-rubyx-credit-card-review/)

**Pro Tip**: Application status check karne ke liye ICICI Bank website ya customer care se contact karo.

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## Important Documents for ICICI Rubyx Credit Card

Application ke liye aapko kuch zaroori documents ready rakhne honge:

- **Identity Proof**: PAN Card, Aadhaar Card, Voter ID, Driving License, ya koi government-issued photo ID.

- **Address Proof**: Aadhaar Card, Passport, utility bills (electricity/phone), ya rental agreement.

- **Income Proof**: Latest salary slips, Income Tax Returns (ITR), Form 16, ya bank statements (self-employed ke liye).

- **Photograph**: Recent passport-size photo.

**Note**: Documents ko clearly scan karke upload karo aur ensure karo ki details application form se match karte hain taaki delay na ho.[](https://www.fincover.com/banking/credit-cards/icici-bank/icici-bank-rubyx-credit-card/)

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## Eligibility Criteria for ICICI Rubyx Credit Card

Yeh card premium hai, isliye eligibility criteria thodi strict hai. Dekho kya chahiye:

- **Citizenship**: Aapko Indian citizen hona zaroori hai.

- **Age**: 

  - Primary cardholder ke liye minimum 23 years.

  - Supplementary cardholder ke liye minimum 18 years.

- **Income**:

  - Salaried individuals: Minimum **Rs. 50,000 monthly income**.

  - Self-employed: Minimum **Rs. 5.5 lakh annual income**.

- **Credit Score**: 750+ CIBIL score approval chances ko badhata hai.[](https://www.yourloanadvisors.com/icici-rubyx-credit-card/)[](https://credofly.com/icici-bank-rubyx-credit-card-review/)

- **Existing ICICI Customers**: Agar aap already ICICI ke customer ho, toh pre-approved offer ke chances zyada hote hain.

**Pro Tip**: Apna credit score check karo aur agar low hai, toh pehle usse improve karo taaki rejection na ho.

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## Fees and Charges

- **Joining Fee**: Rs. 3,000 + GST.

- **Annual Fee**: Rs. 2,000 + GST (second year se). Waived off agar aap previous year mein Rs. 3 lakh spend karte ho.[](https://cardinsider.com/icici-bank/icici-bank-rubyx-credit-card/)

- **Interest Rate**: 3.5% per month (42% annually) agar due amount time pe nahi pay kiya.

- **Cash Advance Fee**: 2.5% ya minimum Rs. 300 per cash withdrawal.[](https://www.icicibank.com/personal-banking/cards/credit-card/rubyx-credit-card/key-privileges)

- **Foreign Currency Markup**: 3.5% + GST (~4.13%).[](https://cardmaven.in/icici-bank-rubyx-credit-card-review/)

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## Kyun Chune ICICI Rubyx Credit Card?

Ye card unke liye perfect hai jo:

- **Frequent Travellers**: Airport aur railway lounge access travel ko comfortable banata hai.

- **Movie aur Dining Lovers**: Regular movie discounts aur dining offers ke saath savings guaranteed.

- **Big Spenders**: High spending limits (Rs. 1.5 lakh cash withdrawal aur Rs. 2.5 lakh transaction limit daily) aur milestone rewards.[](https://www.icicibank.com/personal-banking/cards/credit-card/rubyx-credit-card/key-privileges)

- **Golf Enthusiasts**: Complimentary golf rounds ek unique perk hai.

**Cons**: 

- Reward rate thodi kam hai compared to competitors like SBI Elite ya HDFC Regalia Gold.[](https://www.paisabazaar.com/icici-bank/icici-bank-rubyx-visa-credit-card/)

- High joining aur annual fees thodi costly lag sakti hain agar aap low spender ho.

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## FAQs About ICICI Rubyx Credit Card

**1. ICICI Rubyx Credit Card ka credit limit kya hai?**  

Credit limit aapke income aur credit score pe depend karta hai. Generally, Rs. 1 lakh se Rs. 3 lakh tak hota hai for someone with Rs. 50,000 monthly income.[](https://www.mymoneymantra.com/credit-cards/icici-bank/rubyx-credit-card)

**2. Kya ye card lifetime free hai?**  

Nahi, ye lifetime free nahi hai. Joining fee Rs. 3,000 + GST aur annual fee Rs. 2,000 + GST hai, lekin annual fee waive ho sakti hai agar aap Rs. 3 lakh spend karte ho ek saal mein.[](https://www.credithita.com/credit-card/icici-rubyx-credit-card)

**3. Lounge access ke liye kya condition hai?**  

Aapko pichle quarter mein minimum Rs. 75,000 spend karna hoga for 2 complimentary airport lounge visits (Visa variant) aur 2 railway lounge visits.[](https://www.icicibank.com/personal-banking/cards/credit-card/rubyx-credit-card)

**4. Reward points ki validity kya hai?**  

ICICI reward points generally 2-3 years tak valid hote hain, lekin exact validity ke liye ICICI Bank website check karo ya customer care se confirm karo.[](https://www.fincover.com/banking/credit-cards/icici-bank/icici-bank-rubyx-credit-card/)

**5. Card kho jaye toh kya karna chahiye?**  

Turant ICICI Bank customer care pe call karo ya SMS karo “CCBLK <last 4 digits of your card>” to 5676766 from registered mobile. Card 7 din ke liye suspend ho jayega. FIR file karo aur bank ko copy submit karo.[](https://www.bankbazaar.com/credit-card/icici-bank-rubyx-credit-cards.html)

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## Conversational Keywords

- ICICI Rubyx Credit Card

- Dual platinum credit card

- Airport lounge access

- Reward points ICICI

- Movie discounts BookMyShow

- Dining offers ICICI

- Golf privileges

- Travel benefits

- Credit card eligibility

- ICICI credit card apply

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## Aur Bhi Kya Khaas Hai?

- **Security**: Embedded chip aur PIN system card ko counterfeiting se protect karta hai. Online transactions ke liye 3D Secure feature use karo.[](https://www.bankbazaar.com/credit-card/icici-bank-rubyx-credit-cards.html)

- **Loan on Credit Card**: Aap apne credit limit se cash borrow kar sakte ho with flexible repayment options.[](https://www.icicibank.com/personal-banking/cards/credit-card/rubyx-credit-card/key-privileges)

- **Milestone Rewards**: Har saal Rs. 3 lakh spend karne pe 3,000 reward points aur har extra Rs. 1 lakh pe 1,500 points, max 15,000 points annually.[](https://cardinsider.com/icici-bank/icici-bank-rubyx-credit-card/)

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**Final Thoughts**: ICICI Rubyx Credit Card ek all-rounder card hai jo lifestyle, travel, aur entertainment ke shauqeeno ke liye perfect hai. Agar aap big spender ho aur rewards, lounge access, aur discounts ka full faida utha sakte ho, toh ye card aapke liye hai. Bas apna spending pattern dekho aur ensure karo ki fees aur charges aapke budget mein fit hote hain. Toh kya soch rahe ho? Abhi apply karo aur apni lifestyle ko elevate karo!

Koi sawaal ho ya apply karne mein help chahiye? Comment karo ya ICICI customer care se baat karo