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Credit Cards · India

Emirates Skywards ICICI Bank Rubyx Credit Card

Updated 5 Jul 2026Source-linked

The Emirates Skywards ICICI Bank Rubyx Credit Card is a mid co-branded credit card from ICICI Bank and Emirates Skywards, with a joining fee of ₹1,000 + GST.

Cardholders get undefined quarterly domestic airport lounge access, plus emirates skywards blue tier membership (retained while the card is active on payment of the annual fee) as a welcome benefit.

ICICI Bank logo
Emirates Skywards ICICI Bank Rubyx Credit Card
Visa logo
  • Joining Fee₹1,000
  • Annual Fee₹1,000
  • Best Suited ForTravel
  • Reward TypeSkywards Miles (miles)
Rewards Rate
  • Base rate 0.65%
Welcome Benefits
  • Emirates Skywards Blue Tier Membership (retained while the card is active on payment of the annual fee)
Data verified 5 Jul 2026 — see our methodology
ICICI Bank logoICICIVisa logomidCo-brand · Emirates Skywards
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Rewards and Benefits

Rewards Rate
Base 0.65% on other spends.
Reward Redemption
Emirates Skywards: Redeem at — per unit.
Welcome Benefits
Emirates Skywards Blue Tier Membership (retained while the card is active on payment of the annual fee)
Milestone Rewards
N/A
Domestic Lounge Access
Lounge access on making spends of ₹75,000 in the previous quarterly.
International Lounge Access
N/A
Travel
Co-branded with Emirates Skywards; travel-forward rewards.
Movie & Dining
DISCOUNT on BookMyShow / INOX
Golf
N/A
Insurance Benefits
N/A
Other Benefits
  • Emirates flight discount — Up to 10% discount on Emirates flight bookings via Emirates.com using promo code INICI26

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.7% = ₹98/mo
  • Groceries₹8,000 · 0.7% = ₹52/mo
  • Dining & food delivery₹8,000 · 0.7% = ₹52/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.7% = ₹65/mo
  • Utilities & bills₹5,000 · 0.0% = ₹0/mo
Est.net rewards for this spend, realistic
₹2,198/yr

₹3,198 rewards − ₹1,000 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • Co-branded mid card by ICICI Bank and Emirates Skywards.
  • Joining / annual fee of ₹1,000 + GST.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (undefined/quarterly).

Pros & Cons

Pros
  • Complimentary domestic airport lounge access (undefined/quarterly).
Cons
  • No annual-fee waiver option.
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Welcome benefit

  • Emirates Skywards Blue Tier Membership (retained while the card is active on payment of the annual fee)
    Joining fee paid

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • cash advance
  • emi
  • wallet loads
  • rent
  • government
  • utilities
  • insurance premiums
  • education

Airport lounge access

Domestic

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000.

Other benefits

  • Emirates flight discount. Up to 10% discount on Emirates flight bookings via Emirates.com using promo code INICI26

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
—
Credit score
720+
Income (salaried)
₹9,00,000 p.a.
Income (self-employed)
₹9,00,000 p.a.

Indian citizen over 21. Salaried minimum monthly income ₹75,000; self-employed minimum annual income ₹9,00,000.

Tagsmidairlineco brandmilesloungetravel