ICICI Bank Rubyx Credit Card

Sushubh

Administrator
[OP]
Oct 29, 2004
418,246
13,007
Gurugram
Got this in a mailer as I am supposedly a privileged customer of ICICI.

ICICI Bank Rubyx Credit Card

You pay a Joining fee of ` 25000 under the Lifetime Fee option and get a gift voucher for a complimentary Apple iPad2 16GB Wifi within 45 days of payment of the Lifetime fee. This voucher can be redeemed at a Croma store* in your city.
No annual fee henceforth.

you get a mastercard and an american express card!

https://imgur.com/54n8o

tons of benefits listed on the link above.

now i am not exactly the kind of person who would find this card useful. but this does look like a pretty cool deal.
 

hitman

Regulars
May 10, 2005
2,678
71
New Delhi
I too got this mailer couple of weeks back .. But they haven't mentioned the credit limit anywhere ... My current card has 1.25lac ..So will it remain same or will they increase it?Have any idea abt it?
 


Sushubh

Administrator
[OP]
Oct 29, 2004
418,246
13,007
Gurugram
you should check out if you can apply for it :Das for credit limit, i am sure it would be much higher considering the joining fee of this card :confused: my free credit card has a limit of 85K for the last couple of years. i can safely say that i can request for an upgrade and it would be done considering they have asked me several times in the last couple of years and i refused. :D
 

Jaymin

A Big Fan of IBF
Regulars
Oct 18, 2010
10,009
6
Certainly ur credit limit doesn't depend upon the joining fees. I have 1 free card, 1 with small joining fees and 1 with an even higher joining fee.But the credit limit on these 3 goes descending! Also, the order in which I got these was in the order in which I have listed them! So my credit score ideally wud b neutral for 1st and increasing further.....
 

Sushubh

Administrator
[OP]
Oct 29, 2004
418,246
13,007
Gurugram
well this is not a regular cards. these are premium cards. and they are likely to have pretty solid credit limit. otherwise what is the point of going for them?
 


mhsabir

Xclusive
Regulars
Oct 7, 2006
19,739
2,587
Chennai
The device costs 24500 at the store, so you are basically getting the money back. Interesting that.Also went at their Croma's online site & discovered a couple of "Croma" branded low range tabs
 

Jaymin

A Big Fan of IBF
Regulars
Oct 18, 2010
10,009
6
well this is not a regular cards. these are premium cards. and they are likely to have pretty solid credit limit. otherwise what is the point of going for them?

The costliest I have is a platinum card with max fees :p
Imagine a platinum card with half the credit limit of the regular 1? :D

@Sabir..... I thought on the same lines..... Why not make some money and have the card effectively for free? ;)
 

Sushubh

Administrator
[OP]
Oct 29, 2004
418,246
13,007
Gurugram
well benefits and credit limits would increase with time. the card we are talking about is i am sure not targeted at us mortals anyways :D
 

mhsabir

Xclusive
Regulars
Oct 7, 2006
19,739
2,587
Chennai
Well. I already have a Playbook tablet. Usage is moderate. Not sure if having an ipad will add a value. Also, someone can pay the money & take the ipad while card can be enjoyed almost free. I am not an avid credit card user. I have bought a few apps in the past year, but before that, I had used a credit card in my life - once, in case of helping a relative (just to avoid embarrassment of saying I dont to like use credit cards and them thinking I dont want to help)
 
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