Emirates Skywards, in collaboration with ICICI Bank, offers co-branded credit cards in three different variants – Rubyx, Sapphiro, and Emeralde. Previously, Emirates offered a World Credit Card in association with Standard Chartered Bank, but with its discontinuation, ICICI Bank now stands as the only card issuer offering co-branded credit cards with Emirates airlines.
Users can earn Skywards Miles with these cards and redeem them for travel bookings and flight upgrades through Emirates. Tailored for Emirates loyalists, these cards offer up to 2.5% reward earning rate across various categories, along with a base reward earning rate of 1% on utility and insurance spends.
In addition to reward points, cardholders can also avail complimentary access to domestic and international lounges, as well as spa sessions. Moreover, additional perks such as free movie tickets and dining discount further enhance the value of these cards. Although primarily designed for travel, these credit cards also offer decent benefits across other spending categories. To know whether these cards might be the right fit for you, keep reading.
Key Highlights of Emirates Skywards ICICI Credit Cards |
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| Emirates Skywards ICICI Bank Rubyx Credit Card | Emirates Skywards ICICI Bank Sapphiro Credit Card | Emirates Skywards ICICI Bank Emeralde Credit Card |
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| Annual Fee: Rs. 1,000 | Annual Fee: Rs. 5,000 | Annual Fee: Rs. 10,000 |
| Complimentary Emirates Blue Tier Membership | Complimentary Emirates Silver Tier Membership | Complimentary Emirates Silver Tier Membership |
| 1.5 Skywards Miles on every Rs. 100 spent | 2 Skywards Miles on every Rs. 100 spent | 2.5 Skywards Miles on every Rs. 100 spent |
| Complimentary domestic lounge access | Complimentary domestic & international lounge access | Unlimited domestic & international lounge access |
| 25% discount on BookMyShow and Inox | Buy 1 Get 1 offer on BookMyShow | Up to Rs. 3,000 off on BookMyShow per month |
| Overall Rating: ★★ (2.5/5) | Overall Rating: ★★★ (3.5/5) | Overall Rating: ★★★ (3.5) |
Note: These cards are not available on Paisabazaar.com. The content on this page is for information only. To express interest in these cards, please visit ICICI Bank website.
Emirates Skywards ICICI Bank Credit Cards cater to frequent Emirate’s flyers, offering three different variants. The Rubyx variant with an annual fee of Rs. 1,000 offers limited benefits, while the Sapphiro (Rs. 5,000 annual fee) and Emeralde (Rs. 10,000 annual fee) variants come with enhanced benefits.
These cards offer benefits around card activation, renewal, lounge access, complimentary Skyward Miles membership, milestone, movie tickets, and reward earnings & redemption. Cardholders can earn up to 2.5 Skywards Miles per Rs. 100 spent with Emeralde, 2 Skywards Miles with Sapphiro, and 1.5 Skywards Miles with Rubyx across all categories and later redeem them against bookings and flight upgrades through Emirates.
For frequent travellers, these cards offer complimentary domestic and international lounge visits, along with complimentary spa sessions. Emeralde users can avail unlimited lounge access to both domestic and international lounges, while Sapphiro cardholders can avail 2 complimentary domestic lounge visits per quarter and 2 international visits per year. Rubyx, being the base variant, limits lounge access to 1 complimentary domestic visit per quarter.
While these cards focus primarily on travel and lifestyle benefits, the buy one get one offer on movie tickets through BookMyShow and dining benefits through the Culinary Treats Programme add to their overall value.
Overall, these cards are ideal for frequent international travellers who prefer booking with Emirates. However, it’s worth noting that being a travel credit card, the 3.5% forex markup fee is very high, especially for the Emeralde variant, given its Rs. 10,000 annual fees. If you don’t have a specific airline preference, you can consider airline-agnostic cards like Axis Atlas or Axis Horizon.
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