Rubyx Credit Cards Apply for Rubyx Credit Card Online

Table of Content

• Calculate your EMI for Home Loan
• Apple 'Far Out' event today: Here's what users expect from Watch Series 8
• Congratulations! You have a Pre-Approved offer.
• Home Loan
• Are there any Foreclosure charges if I want to close my Loan earlier?
• What are the benefits of an ICICI Bank Rubyx Credit Card?
• Steps to get Insta Home Loan Balance Transfer

I/We shall not hold ICICI Bank liable or responsible in any manner whatsoever or make any claim against ICICI Bank or the regulators in Oman, Qatar, QFC, Singapore, UAE, DIFC, Bahrain or India in relation to the management or operations of the Facility. I/We hereby certify that I am/we are resident outside India who is/are either citizen of India or Person of Indian Origin (“Non-Resident Indian”) as defined under the Foreign Exchange Management Act, 1999 as amended, modified or updated from time to time. I/We hereby declare and affirm that the I/we have not made any payments in cash.

Disbursements under the Facility shall be deemed to be made on the date the cheque /pay order / authorization / demand draft are issued / made by ICICI Bank and not on the date of their actual receipt, and if by credit, when credit is made by ICICI Bank. The Customer shall comply with all such terms and conditions as ICICI Bank may prescribe from time to time for the Services availed of by the Customer. The Customer shall comply with the process that may be intimated by ICICI Bank to the Customer for the purpose of Agent verification at the time of execution of the Instruction by the Agent in a manner as may be prescribed by ICICI Bank from time to time including but not limited to, verifying the Agent’s identity as per the identification card carried by the Agent. The Customer shall provide the Agent with the Service Request Number as provided at the time of placing the Instruction. The Customer shall be required to hand over the Cancelled Cheque/copy of Acknowledgement Form at the time of delivery of DD/PO by the Agent to the Customer. The Customer shall ensure that the Agent stamps the cancelled cheque as provided by the Customer.

Calculate your EMI for Home Loan

Any amendments to the Terms and /or the fees shall be posted on Infinity on the Terms and Conditions page by ICICI Bank , from time to time. Overdraft is a credit service offered by financial institutions/banks to their customers. Applying for an overdraft means you can withdraw extra money from your current account, even if your account balance is zero.

The conversation with you and the branch manager followed by the experience has reposed out faith in ICICI Bank as a result we would be moving more family accounts to the ICICI Bank Branch. Pay your bills, shop online and make payment to any merchant unified payments interface ID easily and instantly. At anytime, ICICI Bank may give notice to the Customer, in such manner as it may deem fit, including but not limited to, posting the notice on the Infinity on the Terms and Conditions page that it shall not accept further Instructions and that notice shall be deemed to be effective against the Customer on receipt of the same.

Apple 'Far Out' event today: Here's what users expect from Watch Series 8

One or more events, conditions or circumstances occur or exist, which in the sole opinion of ICICI Bank, could have a Material Adverse Effect. It is or becomes unlawful for the Borrower/s or any person to perform any of their respective obligations under the Loan Terms and/or any other Transaction Document. Death of the Borrower/s or any one of them or if the Borrower/s ceases or threatens to cease to carry on any of its businesses or gives notice of its intention to do so or if all or any part of the assets of the Borrower/s required or essential for its business or operations are damaged or destroyed or there occurs any change from the date of submission of the Application in the general nature or scope of the business, operations, management or ownership of the Borrower/s, which could have a Material Adverse Effect. Comply with all laws applicable to or binding on him/her.it/them or his/her/its/their occupation, business and operations including but not limited to laws relating to protection of the environment.

ICICI Bank shall credit the Account with such amount on the same /next working day. If in the event, ICICI Bank ascertains any or all of the currency notes provided by the Customer to the Agent are defective/discrepant/counterfeit, ICICI Bank shall endeavour to notify the Customer about the same and shall only credit the Account with such amount as calculated after deducting the total value of the discrepant/defective/counterfeit currency notes provided by the Customer. ICICI Bank will present such discrepant/defective/counterfeit notes to the Reserve Bank of India (“RBI”) as per the policy laid down by RBI in this regard from time to time and shall only credit the realized value of such defective/discrepant/counterfeit currency notes to the Account of the Customer, if any, on receipt of such confirmation from RBI.

Congratulations! You have a Pre-Approved offer.

The Customer agrees to comply with such security procedure as may be prescribed by ICICI Bank from time to time for purpose of sending Instructions. The Customer undertakes not to disclose the security procedure to any person. If the Customer is of the opinion or has reason to believe that the authentication procedure may be known by an unauthorized person, the Customer must notify ICICI Bank immediately. The Customer hereby authorizes ICICI Bank to charge the Account held with ICICI Bank with any sum of money that is payable by the Customer, if any, in connection with a transaction carried out by ICICI Bank including bank charges or service charges for such transactions in reliance on an Instruction. Provided that notwithstanding anything to the contrary contained herein, the aggregate liability of ICICI Bank under this arrangement shall not exceed the charges/fees received by ICICI Bank from the Customer under this arrangement. In case Instruction is provided for the Service of Cash Payment and/or DD/PO Delivery, the Customer shall be required to provide a ICICI Bank cheque number at the time of placing the Instruction, when such Instruction is placed through ICICI Bank 24-Hour Customer Care Centre or Infinity.

All legal action/s and/or proceedings arising out of/in connection with the Loan Terms, the Transaction Documents and the Assets, shall be brought in/before the courts or tribunals at Mumbai in India and the Borrower/s irrevocably submit/s himself/herself/itself/ themselves to the jurisdiction of such courts and tribunals. ICICI Bank may, however, in its absolute discretion commence any legal action or proceedings arising out of with any of the above in any other court, tribunal or other appropriate forum, and the Borrower/ s shall not object to such jurisdiction. Default has occurred in the performance of any covenant, condition or agreement on the part of the Borrower/s under the Loan Terms or on the part of any other person. Not undertake or permit any merger, de-merger, consolidation, reorganisation, scheme of arrangement or compromise with its creditors or shareholders or effect any scheme of amalgamation or reconstruction including creation of any subsidiary or permit any company to become its subsidiary without prior consent of ICICI Bank. The Borrower/s shall take consent from ICICI Bank if the Asset is/are proposed to be removed/taken outside the territorial borders of the State in which the Asset is registered or removed or taken out of the address/location as specified in the Application Form at/in which such Asset was to be kept, fixed or stored as specified on a permanent basis or for a continuous period of more than 60 days. The Borrower/s may, subject to prior approval by ICICI Bank, be permitted to swap/ exchange the post-dated cheques issued to ICICI Bank with alternate post-dated cheques drawn on another bank subject to payment to ICICI Bank of the "cheque swap" charges as specified in the Application Form.

ICICI Bank may, at any time, assign or transfer all or any of its rights, benefits and obligations under the Loan Terms and the other Transaction Documents. Notwithstanding any such assignment or transfer, the Borrower/s shall, unless otherwise notified by ICICI Bank, continue to make all payments under the Loan Terms to ICICI Bank and all such payments when made to ICICI Bank shall constitute a full discharge to the Borrower/s from all its liabilities in respect of such payments. Where the Facility has been availed of for foreclosing an existing loan against any Product and where the Product needs to be registered with any Authority under any law for the time being in force, then the Borrower/s shall within 7 days from disbursement of the Facility get the previous charge removed from the Product’ certificate and/or the records of the appropriate registering authority and have the Product re-registered with such Registering Authority. In the event such Product is offered as security to ICICI Bank, the registration of the Product with the relevant Authority should be made clearly indicating the fact that such Product is/are exclusively charged in favour of ICICI Bank.

The Agent shall provide the Customer with a duly signed and stamped acknowledgment of the monies provided by the Customer to the Agent. The Customer shall be required to sign across the sealed portion of the Cash Deposit Envelope. The Cash Deposit Envelope as handed over by the Customer to the Agent shall be processed/opened under electronic surveillance.

Are there any Foreclosure charges if I want to close my Loan earlier?

The information collected would be used to improve your web journey & to personalize your website experience. At the outset I would like to thank you for all the effort and support extended by you to help me procure the home loan via ICICI Bank, your absolute genuine and transparent approach to the entire home loan application process, this ensured no last minute surprises and made this whole complex experience less stressful. A fixed rate of interest on a home loan means that the rate of interest does not change throughout the tenure of the loan. The EMI is calculated on the basis of specific factors like the amount of the loan, its tenure and the rate of interest. To send money with safety and speed, use Pay to Contact on ICICI Bank iMobile Pay and transfer any amount within seconds. The Annual Percentage Rate is a method to compute annualized credit cost which includes interest rate and loan origination fee.

For Application submitted by the Customer at any of the ICICI Bank branches, the Customer can avail the Services through any of the ICICI Bank branches immediately. However, if the Application is submitted by the Customer at any of the ICICI Bank branches and the Customer wishes to provide Instructions for availing the Services, the Customer can give Instructions for availing the Services through Infinity or ICICI Bank 24-Hour Customer Care Centre only after a minimum of one working day form the date of receipt of the Application by ICICI Bank. Any other facility as ICICI Bank may offer to its Customers from time to time. “Agent” refers to such persons as may be appointed by ICICI Bank from time to time for the purposes of providing the Services to the Customers.

Such cheque shall be cancelled by crossing the face of the cheque and marking it as “CANCELLED” (the “Cancelled Cheque”). The Customer also agrees that stop payment instructions shall be deemed to have been provided with respect to the Cancelled Cheque, which instructions shall be carried out by ICICI Bank without levying any charge/costs therefor. “Instruction" refers to the requests made by the Customer for availing the Services from ICICI Bank in the form and manner as prescribed by ICICI Bank from time to time. “Application” shall mean the application forms and/or any other form/document/letter required for availing of the Bank@Home Services from ICICI Bank. All insurance benefits will be applicable only in case the ICICI Bank Rubyx Credit Card has been used at least once in the last 60 days prior to the event. Please ensure that the minimum amount due on your Credit Card is paid at all times to avail of insurance benefits.

In the event of the Customer placing an Instruction for modifications of an earlier Instruction through Infinity, the Customer shall be required to first cancel the earlier Instruction and then provide a fresh Instruction for availing the Services. The Customer acknowledges and agrees that the Instructions for the services shall be processed by ICICI Bank only if the same are received by ICICI Bank in the prescribed time and manner. In case the Instruction is provided for the service of Cash Payment and/or DD/PO Delivery at a ICICI Bank Branch, the Customer shall be provided an acknowledgement form (the “Acknowledgement Form”). Such Acknowledgement Form is required to be handed over to the Agent by the Customer at the time of Cash Payment and/or DD/PO Delivery1. KYC documents(Self-attested) - Entity proof – Partnership deed/Certificate of Incorporation/Shops and Establishment certificate.

Terms & Conditions for Bank@Home Service provided by ICICI Bank Limited

I/We hereby authorize ICICI Bank to exchange, share or part with all the information, data or document in relation to the loan application including but not limited to the credit repayment, history or default, if any, committed by the me/us to credit bureaus, agencies, statutory bodies, information utilities. The Borrower/s’ liability for repayment of the Borrower/s’ Dues shall, in cases where more than one Borrower have jointly applied for the Facility, be joint and several irrespective of whether or not the Product is/are jointly registered in the names of all the Borrower/s. Where the Borrower/s is an individual doing business as a sole proprietary concern, the Borrower/s shall be solely responsible for the liabilities of the aforesaid concern and will be personally liable for making repayment / payments of all amounts in respect of the Facility to ICICI Bank. If the Borrower/s default/s in making payment of any Installments/s or any other amounts comprising the Borrower/s’ Dues to the Lender on the respective Due Date, the Borrower/s shall be liable to pay default interest at the rate specified in the Application Form on all such outstanding/unpaid amounts from the relevant Due Date till the date of payment of such entire amount.

Such default interest shall be in addition to any other charges, which the Borrower/s is liable to pay to the Lender in terms of the Transaction Documents. Such default interest shall be computed from respective Due Date till the date of payment of such entire amount. The rate of interest as specified above is reasonable and represents genuine pre-estimate of the loss expected to be incurred by the Lender in the event of non-payment of any monies by the Borrower/s. The Borrower/s shall be liable to pay interest on the Facility at the rate and on the date specified in the Application Form. The rate of interest payable by the Borrower/s shall be subject to changes based on guidelines / directives issued by RBI to banks from time to time. The Borrower/s also note and acknowledge that ICICI Bank is obliged to give effect to any revision of interest rates, whether upwards or downwards, on all existing advances/ financial assistances as per the RBI guidelines/directives.