Emirates Skywards ICICI Bank Rubyx Credit Card
Travel
Co-branded
Reward Points
1st Year Fee: ₹1,000* Plus Applicable Taxes
Rewards
Up to 1.5% rewards on all spends
Lounge Access
1 domestic lounge visit quarterly
Travel
Emirates Blue Tier Membership
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About Emirates Skywards ICICI Bank Rubyx Credit Card
Emirates Skywards ICICI Bank Rubyx Credit Card is the base variant of the co-branded Emirates Skywards ICICI Credit Cards. With this card, users can earn up to 1.5% Skywards Miles on their spends and redeem them for travel bookings and flight upgrades through Emirates.
One notable feature is that, despite being a base variant, this credit card offers a base reward rate of 1 Skywards Mile per Rs. 100 spent, even on utility and insurance payments, which are often overlooked categories. Additionally, cardholders receive complimentary Blue Tier Membership upon joining and renewal, allowing them to access exclusive Emirates benefits.
However, as a travel-focused credit card, it only offers 1 domestic lounge access per quarter, and that too on spending Rs. 75,000 in a quarter. This limitation affects the card’s overall value, as users paying an annual fee of Rs. 1,000 might expect better lounge access benefits. Beyond travel, the card also offers benefits on entertainment and dining. Cardholders can save up to 25% on movie tickets through BookMyShow and INOX, along with dining discount at partner restaurants via the Culinary Treats programme.
Overall, if you are a frequent Emirates flyer looking for a low annual fee credit card, this card can help you save on travel expenses through Skywards Miles while also offering additional lifestyle benefits.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit ICICI Bank’s website.
Rewards & Travel Benefits
Rewards Program
- 1.5 Skywards Miles on every Rs. 100 spent1
- 1 Skywards Mile on every Rs. 100 spent on insurance & utility
Cardholders can redeem the accumulated Skywards Miles against award flights, flight upgrades and more through the Emirates website.
Suggest Read: Best Credit Cards for International Travel 2025
Lounge Access
- 1 complimentary domestic lounge access per quarter on spending Rs. 75,000 in the preceding quarter
Other Features & Benefits
Joining Benefit: Complimentary Emirates Blue Tier Membership.
Annual Benefit: Renewal of Blue Tier Membership on the payment of annual fee.
Movie Benefit: 25% discount, up to Rs. 100 on purchase of two movie tickets, twice a month on BookMyShow and Inox.
Dining Benefit: Exclusive dining offers via ICICI Bank Culinary Treats Programme.
Fuel Surcharge Waiver: 1% fuel surcharge waiver on fuel spends between Rs. 400 and Rs. 4,000 across all fuel stations, up to Rs. 250 per month.
Fees and Charges
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 1,000 | ||||||||||||||||||
| Annual Fee | Rs. 1,000 | ||||||||||||||||||
| Finance Charges | 3.75% p.m. (45.% p.a.) | ||||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if
You are a frequent Emirates flyer and want to earn Skywards Miles on your spends
You are looking for a low annual fee credit card offering valuable travel benefits
You are comfortable with reward redemption being limited to Emirates
You want to avail movie and dining benefits along with travel benefits
Eligibility Criteria
Age: 21 to 60 years
Occupation: Salaried or Self-employed
Income Requirement: Communicated at the time of sourcing
Paisabazaar Review
What do we like about this card?
Emirates Skywards ICICI Bank Rubyx Credit Card is an ideal option for frequent Emirates flyers. Cardholders can earn up to 1.5% Skywards Miles on every spend and redeem them for travel bookings and flight upgrades through Emirates, helping them save on travel expenses. Additionally, the card offers a base reward rate on utility and insurance spends, allowing users to earn rewards on often-overlooked categories.
Pros
- Complimentary Emirates Blue Tier Membership
- Redeem Skywards Miles for flight upgrades & award flights
- Discounts on movie ticket bookings via BookMyShow & INOX
- Rewards on utility & insurance spends
Cons
- No option for an annual fee waiver
- Spend-based lounge access benefits
- No international lounge access benefits
Conclusion
While Emirates Skywards ICICI Bank Rubyx Credit Card is designed to offer travel benefits, it falls short in terms of lounge access due to its limited domestic lounge visits and lack of international lounge visits. However, with an annual fee of Rs. 1,000, frequent Emirates flyers can still derive good value from this card through Skywards Miles and other travel benefits.
Frequently Asked Questions
Everything you need to know about this credit card
Emirates Skywards ICICI Bank Rubyx Credit Card is designed for Emirates flyers, allowing cardholders to earn Skywards Miles on their spends. These miles can be redeemed for award flights, flight upgrades, and other travel bookings through Emirates. Therefore, this credit card is best suited for frequent Emirates flyers. However, if you are willing to pay a higher annual fee, you can also consider other variants—Emirates Skywards ICICI Sapphiro Credit Card and Emirates Skywards ICICI Emeralde Credit Card.
To apply for this credit card online, visit the official website of ICICI Bank, navigate to the card page, fill out the application form, and submit the required documents. If you prefer to apply offline, visit the nearest ICICI Bank branch and submit a duly filled application form along with the necessary documents.
No, Emirates Skywards ICICI Bank Rubyx Credit Card offers 1 complimentary domestic lounge visit per quarter. However, this benefit is available only if you spend Rs. 75,000 in the preceding quarter.
No, you cannot earn Skywards Miles on fuel transactions. However, you can save up to Rs. 250 per month through 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000 at all fuel stations.
No, this card charges an annual fee of Rs. 1,000, which cannot be waived off. However, at the time of renewal, the complimentary Emirates Skywards Blue Tier Membership gets automatically renewed after the payment of annual fee.
Yes, you can avail 25% discount (up to Rs. 100) on purchasing two movie tickets through BookMyShow and Inox. This offer can be availed twice a month. chase of movie tickets through select platforms.
Footnotes
- Exclusions: Fuel, Cash advance, ATM withdrawal, Expenditure in form of EMI, Balance transfer, PLCC, Fees and other charges.
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Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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