ICICI BankIs the ICICI Bank Rubyx Debit Card Right for You?
The ICICI Bank Rubyx Debit Card is best suited for users who prioritize Movies, Travel, International Spends. With a joining fee of ₹1,099 + GST and a renewal fee of ₹1,099 + GST, this card is positioned for cardholders who can maximize its benefits to justify the cost. It offers Reward Points as its primary reward mechanism, with a rewards rate of Earn 6 reward points on every ₹200 spent internationally & 3 points on ₹200 domestically..
Key Card Details
₹1,099 + GST
₹1,099 + GST
Reward Points
Notable Perks
Domestic Lounge
Up to 2 complimentary Domestic Airport Lounge accesses per calendar quarter on ₹10,000+ spends.
Insurance
Wealth Assist Select protects bank cards against fraud/misuse. Complimentary Wallet Assistance for lost cards.
Movie Benefits
Get 25% off, up to ₹100, on two tickets via BookMyShow & INOX Movie multiplexes.
Things to Consider
The Rubyx Debit Card incurs both a joining fee and an annual renewal fee.
Lounge access is conditional on spending and limited only to domestic airports.
Certain spend categories do not qualify for earning reward points on this card.
Benefits & Features
Rewards Rate
Earn 6 reward points on every ₹200 spent internationally & 3 points on ₹200 domestically.
Reward Type
Reward Points
Reward Redemption
Reward points can be redeemed for Health & Beauty, Travel, Shopping Vouchers, Home Appliances, Electronics, Fashion & Lifestyle.
Domestic Lounge Access
Up to 2 complimentary Domestic Airport Lounge accesses per calendar quarter on ₹10,000+ spends.
Insurance Coverage
Wealth Assist Select protects bank cards against fraud/misuse. Complimentary Wallet Assistance for lost cards.
Movie
Get 25% off, up to ₹100, on two tickets via BookMyShow & INOX Movie multiplexes.
Travel Benefits
Emergency travel assistance services are powered by OneAssist.
What matters, explained clearly
Introduction
The Rubyx Debit Card from ICICI Bank is designed to offer superior value, positioning itself as a premium debit card. Its key differentiating benefits include discounts on movie tickets, comprehensive emergency services provided by OneAssist, and complimentary airport lounge access based on spending.
Welcome Benefits
- The card offers immediate value through lifestyle and entertainment benefits upon activation.
Fees
- Joining Fee: ₹1,099 + GST
- Reissuance Fee: ₹300 + GST
- Annual Fee: ₹1,099 + GST
Rewards
- Entertainment Benefits:
- Get 25% off, up to ₹100, on the purchase of two tickets through BookMyShow.
- Get 25% off, up to ₹100, on the purchase of two tickets at INOX Movie multiplexes.
- Airport Lounge Access:
- Receive up to 2 complimentary Domestic Airport Lounge accesses per calendar quarter.
- Eligibility requires spends of ₹10,000 or more on the card in the previous calendar quarter.
- This benefit is exclusively applicable to the primary cardholder.
- Reward Points Earning:
- Earn 6 reward points on every ₹200 spent on international transactions.
- Earn 3 reward points on every ₹200 spent on domestic transactions.
- Note that some spend categories do not earn reward points.
- Emergency Services by OneAssist:
- Travel Assistance: Emergency travel assistance services are powered by OneAssist.
- Wealth Assist Select: A tailor-made plan that protects all your bank cards in your wallet against fraud, misuse, and loss.
- Complimentary Wallet Assistance: For emergency action if your card is lost, this feature allows you to block all cards with one call, provides emergency travel assistance, and offers SIM protection for a lost phone.
- Fuel Surcharge Waiver:
- Enjoy zero fuel surcharge on transactions done on ICICI Bank swipe machines at selected Government fuel outlets (HPCL/IOCL/BPCL).
- Tap and Pay:
- Perform PIN-free Debit Card transactions at supported contactless terminals using your Android Phone.
- Daily Spends Limits:
- ATM Withdrawal Limit (Domestic): ₹1,50,000
- ATM Withdrawal Limit (International): ₹1,50,000
- Daily Transactional Limit (POS/Online Domestic): ₹7,50,000
- Daily Transactional Limit (POS/Online International): ₹2,00,000
- International Transactions:
- The Rubyx Debit Card can be used for online international transactions, equipped with 3D Secure (3DS) for safety.
- Ensure international transactions are enabled on your card via Customer Care or iMobile/Internet Banking.
Rewards Redemption Guide
- Reward points can be redeemed for a variety of categories including:
- Health & Beauty
- Travel & Luggage
- Shopping Vouchers
- Home Appliances
- Electronics
- Fashion & Lifestyle
Card Review
The Rubyx Debit Card is well-suited for individuals seeking a premium debit card experience with a focus on lifestyle and entertainment benefits. Its strengths lie in its movie discounts, valuable airport lounge access (spend-based), and robust emergency assistance services from OneAssist. While it carries an annual fee, the higher reward points on international spends and comprehensive daily transaction limits offer significant value for frequent travelers and those with higher spending habits. The card provides a good balance of convenience and security features like Tap and Pay and 3D Secure for online international transactions.
Important Product Details
- Positive Highlights:
- Significant discounts on movie tickets (BookMyShow, INOX).
- Complimentary domestic airport lounge access based on quarterly spends.
- Higher reward points on international transactions.
- Comprehensive emergency services including wallet protection and travel assistance by OneAssist.
- Zero fuel surcharge at select government fuel outlets.
- High daily ATM withdrawal and transactional limits.
- Supports Tap and Pay for convenient, PIN-free transactions.
- Enabled for secure online international transactions.
- Negative Highlights:
- Comes with a Joining Fee and an Annual Fee.
- Lounge access is spend-based and limited to domestic lounges.
- Some spend categories do not earn reward points.
Other Details
- Terms & Conditions for the card are available for review.
- A customer testimonial highlights the card's ease of activation and use for both online and in-person transactions.