Corroborated — 5 field(s) match across 3+ reference sources (auto). Not human-verified. Confirm with the bank before high-stakes decisions.

#62 of 70 in debit

ICICI Bank

ICICI Rubyx Debit Card

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Lifestyle debit card meant to enrich daily spends with rewards and insurance coverage.

Score breakdown

Data completeness: 60% · Last verified: 06 Jul 2026

Reward value6/100 · weight 65%

≈ 0.29% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +2.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency83/100 · weight 11%

Redemption flexibility67/100 · weight 8%

Perks26/100 · weight 8%

Devaluation risk70/100 · weight 8%

All fees shown base + 18% GST (India card fees legally attract GST).

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Category	Type	Rate	Cap	Notes
online_spends	points	0.75%(3 pts @ ₹0.25)	—	3 PAYBACK points per Rs 200 spent online
all_spends	points	0.13%(0.5 pts @ ₹0.25)	—	1 PAYBACK point per Rs 200 spent on domestic purchases

1 reward point is worth different amounts depending on how you redeem — the headline reward % only holds at the best tier.

gift vouchers, products, travel vouchers, or statement balance	1 RP = ₹0.25
e-vouchers	1 RP = ₹0.25
catalog	1 RP = ₹0.25

Travel & shopping vouchers worth over ₹5,000 (Tata CLiQ, EaseMyTrip, EazyDiner Prime, Croma, DA MILANO)

Spend ₹10,000 / quarterly: Up to 2 Domestic Airport Lounge Access in the following quarter

The reward rate of 4 Reward Points per ₹100 for international spends is diminished by the high 3.5% foreign currency markup.
Domestic airport lounge access requires a significant spend of ₹75,000 or more in the previous quarter.