ICICI Bank Rubyx Debit Card – Benefits, Fees & Eligibility

Introduction

The Rubyx Debit Card, issued by ICICI Bank, is a premium offering designed to provide superior value, focusing on lifestyle and entertainment benefits. Its top differentiating features include discounts on movie tickets, spends-based complimentary airport lounge access, higher reward points on both domestic and international spends, and a zero fuel surcharge benefit.

Transaction Limits & Usage

• Daily ATM Withdrawal Limit:
  • Domestic: ₹1,50,000
  • International: ₹1,50,000
• Daily Transactional Limit (POS/Online):
  • Domestic: ₹7,50,000
  • International: ₹2,00,000
• International Usage: The card can be used for online international transactions and is equipped with 3D Secure (3DS) for secure payments. International transactions must be enabled via Customer Care, iMobile, or Net Banking.
• Contactless Payments: Features Tap and Pay functionality, allowing PIN-free Debit Card transactions at supported contactless terminals using an Android Phone.

Fees and Charges

• Joining Fee: ₹1,299 + GST (applicable on new cards issued from July 1, 2026)
• Annual Fee: ₹1,299 + GST
• Reissuance Fee: ₹300 + GST
• Fuel Surcharge: Zero fuel surcharge on transactions made on ICICI Bank swipe machines at selected Government fuel outlets (HPCL/IOCL/BPCL).

Rewards & Offers

• Reward Points Program:
  • Earn 6 reward points on every ₹200 spent on international transactions.
  • Earn 3 reward points on every ₹200 spent on domestic transactions.
  • Note: Some spend categories do not earn reward points.
  • Reward points can be redeemed for: Health and beauty, Travel and luggage, Shopping vouchers, Home appliances, Electronics, Fashion and lifestyle.
• Airport Lounge Access:
  • Get up to 2 complimentary domestic airport lounge accesses per quarter.
  • Eligibility requires making transactions worth ₹10,000 or more on the card in the previous calendar quarter.
  • This benefit is exclusively applicable to the primary cardholder.
• Movie Ticket Discounts:
  • Receive 25% off, up to ₹200, on the purchase of two movie tickets through BookMyShow.
  • Receive 25% off, up to ₹75, on the purchase of two movie tickets at INOX Movie multiplexes.
• Fuel Surcharge Waiver: Enjoy zero fuel surcharge on transactions at selected Government fuel outlets (HPCL/IOCL/BPCL) when using ICICI Bank swipe machines.

Debit Card Review

The Rubyx Debit Card is well-suited for individuals seeking a premium debit card experience with a strong focus on lifestyle and entertainment benefits. It offers significant value through its spends-based airport lounge access and attractive movie ticket discounts, making it ideal for frequent travelers and movie enthusiasts. The high daily transaction limits for both ATM withdrawals and POS/online purchases cater to users with substantial spending needs. While the card comes with a notable joining and annual fee of ₹1,299 + GST, the array of benefits, including accelerated reward points on international spends and a fuel surcharge waiver, can offset these costs for active users. However, potential applicants should note that lounge access is conditional on meeting a quarterly spend threshold, and some spend categories may not accrue reward points.

Important Product Details

• Positive Highlights:
  • Spends-based complimentary domestic airport lounge access (up to 2 per quarter).
  • Attractive movie ticket discounts on BookMyShow (25% off up to ₹200) and INOX (25% off up to ₹75).
  • Higher reward points on international spends (6 points per ₹200) and domestic spends (3 points per ₹200).
  • Zero fuel surcharge at selected Government fuel outlets.
  • High daily ATM withdrawal limit of ₹1,50,000 (domestic and international).
  • High daily POS/online transaction limit of ₹7,50,000 (domestic) and ₹2,00,000 (international).
  • Contactless payment (Tap and Pay) functionality.
  • Equipped with 3D Secure (3DS) for online international transactions.
• Negative Highlights:
  • Joining fee of ₹1,299 + GST.
  • Annual fee of ₹1,299 + GST.
  • Reissuance fee of ₹300 + GST.
  • Airport lounge access is conditional on a minimum spend of ₹10,000 in the previous quarter.
  • Some spend categories do not earn reward points.

Other Details

• Terms & Conditions: Applicable Terms & Conditions are available for review.
• Customer Feedback: One customer review noted the card was "straightforward to activate and use, both for online and in-person transactions," with a rating of 4.2 stars.