ICICI Rubyx Debit Card

Name: ICICI Bank ICICI Rubyx Debit Card
Brand: ICICI Bank
Price: 1297 INR
Rating: 2.37 (1 reviews)

Ranked #52 of 66 in debit

debitVisa/MastercardPremium

ICICI Bank's premium Rubyx debit card offering strong transaction limits, accelerated international reward rates, and combined railway+airport lounge access — a preferred choice for regular high-value spenders.

Score breakdown

Data completeness: 75% · Last verified: 09 Jul 2026

Reward value6/100 · weight 71%

≈ 0.28% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +2.5% score bonus — earns broadly without narrow category restrictions.

Fee efficiency90/100 · weight 12%

Redemption flexibility75/100 · weight 9%

Perks26/100 · weight 9%

Fees

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

Joining fee: ₹1,099 + 18% GST
= ₹1,297 total
Annual fee: ₹1,099 + 18% GST
= ₹1,297 / year total
Forex markup: 3.5%

Lounge access

Domestic (per year): 8
International (per year): 0

Reward structure

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

Welcome offer

None specified for debit variant (credit card variant has welcome vouchers)

Milestone benefits

Pros

High daily cash withdrawal and purchase limits
2X international reward rate
railway + airport lounge access combo
contactless payment support

Cons

High Rs75,000/quarter spend threshold for domestic lounge access
no reward points on fuel

Insurance cover

text: ₹NaN

Eligibility

text: ICICI Bank savings account holder

Small print

Redemption fee: ₹99 / redemption