Mastercard, Visa 📡 Contactless NFC

ICICI Bank Emirates Skywards Rubyx Credit Card

Joining Fee₹1,000

Annual Fee₹1,000

Forex Markup 3.5%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

Emirates flyers and international travel enthusiasts seeking direct Skywards Miles on daily spends, flight upgrades, and domestic airport lounge access.

Who Should Avoid

Non-travelers, domestic-only flyers, or individuals seeking general cash statement credits.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

2,500 bonus Emirates Skywards Miles upon payment of joining fee and card activation within 30 days

Direct Emirates Skywards Miles

Earn 2.5 Skywards Miles per ₹100 on Emirates bookings and 1.5 Skywards Miles per ₹100 on other domestic & international spends.

25% Off on Movie Tickets

25% discount on movie tickets on BookMyShow and INOX (up to ₹100 twice a month).

Domestic Airport Lounge Access

2 complimentary domestic airport lounge visits per calendar quarter (on min ₹5,000 spend in preceding quarter).

💰 Reward Structure & Point Valuation

1 Emirates Skywards Miles = ₹1

Standard Base Earning

1 Skywards Mile per ₹100 spent on regular domestic retail (1.0% return; 1 Mile = ~₹1.00 on Emirates flights/upgrades)

Accelerated / Partner Rate

2.5 Skywards Miles per ₹100 (2.5% return) on direct Emirates ticket bookings; 1.5 Skywards Miles per ₹100 on international spends; 25% off on BookMyShow (up to ₹100 twice/mo)

Points Validity:36 Months

Redemption Fee: ₹0 (Free)

Redemption Modes: Emirates Flight Bookings & Seat Upgrades on emirates.com, Flydubai and Partner Airline Award Flights

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits2 complimentary domestic airport lounge visits per calendar quarter (8 visits/year)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: Requires minimum retail spend of ₹5,000 in the previous calendar quarter

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Annual renewal fee of ₹1,000 + GST applies with Skywards Miles earning potential

UPI Payments Support✗ Not Supported

UPI not supported on Mastercard/Visa network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹75,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% to 3.85% per month (42.0% to 46.20% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the ICICI Bank Emirates Skywards Rubyx Credit Card

Annual Fee: ₹1,000/yr (Waivable)

Personalized Card Matcher

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Frequently Asked Questions

No, ICICI Bank Emirates Skywards Rubyx Credit Card has a joining fee of ₹1000 and an annual renewal fee of ₹1000 (plus applicable taxes).