Overview of ICICI Rubyx Debit Card
One of the most feature packed debit cards on the Visa Platform, the Rubyx Debit Card offered by ICICI bank has been customized and designed to maximize your privileges. This card offers you an array of benefits no matter where you decide to use it. Shopping can be stressful if you exceed your budget, which is the most likely outcome of every shopping spree, however, with the Rubyx Debit Card, you can enjoy your shopping adventure with special discounts and plenty opportunity to save. It enhances the Reward Points earning ability and at the same time saves you the trouble of carrying around large amounts of money when you step outside. The card also guarantees complete protection on all your transactions irrespective of which platform you use it on. The myriad features that fuel this card leaves you spoilt for choice because of the reward points that you can generate when you make purchases using the Rubyx Debit Card.
Features and Benefits
This card allows you to enjoy high transaction limit and high cash withdrawal limit. You can avail a cash withdrawal limit of up to Rs. 1.5 lakh per day and transaction limit of up to 2.5 lakh per day using your Rubyx Debit Card.
- The Rubyx Debit Card allows you to facilitate your transactions online whether it is for purchasing movie tickets, travel tickets or even paying your bills. All you need to do is to register your card for “Verified By Visa”.
- You can now travel much more conveniently because this card earns you a waiver of 2.5% surcharge at HPCL pumps. You can save significantly when you produce your ICICI Rubyx Debit Card at the HPCL petrol pump and be sure to swipe your card at the ICICI terminal only and by doing so, you will save surcharge on your fuel transaction.
- Your Rubyx Debit Card makes you eligible for Personal Accident and Air Accident Insurance as well as Purchase Protection. This card provides you Rs. 15 lakhs of Personal Accident Insurance, Rs. 3 Crores of Air Accident Insurance and Rs.5 lakh worth of Purchase Protection.
- Using the ICICI bank Debit Card, you get complete protection for your card. This Rubyx card is powered by the Zero Liability Protection wherein you are guaranteed complete protection against any theft, loss, misplacement or even unauthorized purchases made. You can follow the simple procedure of contacting the ICICI 24 hour Customer Care within 15 days of misuse or loss of the card and provide the necessary documentation. This will restore the balance in your account.
- This card also allows you to track all your purchases wherein you will be notified via SMS when you make transactions at merchant outlets.
- Using your Rubyx Debit Card, you will also earn PAYBACK points –
- For every Rs. 200 that you spend on this card at a Merchant establishment within India, you will earn 6 PAYBACK points.
- For every Rs. 200 that you spend on this card at a Merchant establishment outside India, you will earn 10 PAYBACK points.
- For every Rs. 200 that you spend on this card on an Indian website, you will earn 6 PAYBACK points.
- ICICI Rubyx Debit Card generates detailed bank statements of all transactions made on the card to include the date, merchant’s name and the amount.
All Privilege Banking Customers can apply for this card for Savings Account from ICICI bank.
How to Apply
- You can apply online by filling in the details of your existing debit card in order to upgrade your card to a Rubyx Debit Card.
- You can call the Customer Care directly and start the process.
- You can receive a call from the ICICI representative by filling in the contact sheet available on the official ICICI India website.
- You can step into the nearest ICICI bank branch to apply for the Rubyx Debit Card.
Rubyx Debit Card FAQS
- Q. Is there a minimum amount that I need to spend at the HPCL pump using my ICICI Rubyx Debit Card in order to avail the waiver 2.5% surcharge?
A. Yes. The waiver on the surcharge is only applicable for fuel purchases for a minimum amount of Rs. 401 and above at select HPCL pumps.
- Q. Will I earn Reward Points when I use my Rubyx Debit Card to make payments for my Insurance premium and Mutual Funds?
A. No. Reward points are not applicable for payments made on Insurance Premium and Mutual Funds using your ICICI Rubyx Debit Card.
- Q. Wil I earn PAYBACK points when I use my ICICI Rubyx Debit Card abroad?
A. Yes. For every RS. 200 that you spend at merchant establishment overseas, you will be rewarded with 10 PAYBACK points.
- Q. What is the cash withdrawal limit on the ICICI Rubyx Debit Card?
A. You can withdraw up to Rs. 1.5 lakh every day using your ICICI Rubyx Debit Card.
- Q. How do I enable my ICICI Rubyx Debit Card to make online transactions?
A. All you need to do is to register your Rubyx Debit Card for “Verified By Visa” and you can start making transactions online.
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