Skip to main content
PaisaKhoj
SearchView All Credit Cards
CREDIT CARD

Emirates Skywards ICICI Bank Rubyx Credit Card

ICICI Bank

Earn 1 Emirates Skywards Mile per ₹100 on eligible retail spends, complimentary Emirates Skywards Blue Tier membership on fee payment, and 1 domestic lounge visit a quarter after ₹75,000 quarterly spend.

No miles on fuel, cash, EMIs, insurance, utility, government, education, rent or wallet loads. The ₹1,000 + GST annual fee from year 2 cannot be waived. The bank page says it is not accepting new applications.

Emirates Skywards ICICI Bank Rubyx Credit Card
ANNUAL FEE
₹1,000 + GST
JOINING FEE
₹1,000 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Earns 1 Emirates Skywards Mile per ₹100 on eligible retail spends, credited to the primary cardholder's Emirates Skywards account.
BEST FOR
Included: May suit Emirates Skywards members who want retail card spends to earn Skywards Miles for a ₹1,000 + GST annual fee.
Included: May suit those who want everyday retail card spends to earn Emirates Skywards Miles.
Included: May suit those spending ₹75,000 a calendar quarter who use domestic airport lounges.
Included: May suit households wanting miles from add-on cards pooled in the primary cardholder's Skywards account.
Limitation: Spending on fuel, insurance, utilities, rent, government or education payments may wish to compare other cards.
Limitation: Spending centred on fuel, rent, utilities, insurance, education may wish to compare other cards.
Limitation: Those who want international airport lounge access, which this card does not offer may wish to compare other cards.
Limitation: Those new applicants may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: The bank's product page states it is currently not accepting applications for this card.
Condition: The annual fee cannot be waived; paying it renews the complimentary Emirates Skywards Blue Tier membership.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
21
Maximum age
Not stated

Fees & ownership

Joining fee
₹1,000 + GST
Annual / renewal fee
₹1,000 + GST
Fee waived at
Not stated
Forex markup
3.5%
Finance charge
3.75% per month
Cash withdrawal fee
2.5% of the amount, minimum ₹500
Late-payment charge
Not stated
Interest-free period
18–48 days

Benefits & privileges

TRAVEL
Domestic airport lounge
1 visit per quarter — 1 visit per calendar quarter · Primary cardholders only; unlocked by spend in the preceding calendar quarter · ₹75,000 in the preceding calendar quarter
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% waiver on fuel transactions of ₹400–₹4,000 at all fuel pumps
Dining
Discounts when dining out at select restaurants
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No miles on fuel, cash advances/ATM withdrawals, EMIs, balance transfers, loans on card, fees and charges, insurance, utility, government, education, rent and e-wallet loads; reversed transactions earn nothing.; Fuel, cash advances, ATM withdrawals, EMIs, balance transfers, personal loans on card, fees and charges, insurance, utility, government, education, rent and e-wallet loading
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: Earns 1 Emirates Skywards Mile per ₹100 on eligible retail spends, credited to the primary cardholder's Emirates Skywards account.
Included: Complimentary Emirates Skywards Blue Tier membership; existing Skywards Silver or Gold members retain their current status.
Included: Skywards Miles earned on supplementary cards are credited to the primary cardholder's Emirates Skywards account.
Included: Emirates promo code INICI26 on emirates.com or the Emirates app, for bookings made 15 Apr 2026–28 Feb 2027 on travel originating from India.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
Visit bank website (opens in a new tab)

Figures last checked 31 Oct 2026 against the issuer’s published terms.