Emirates Skywards ICICI Bank Rubyx Credit Card
Updated 3 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.
Emirates Skywards ICICI Bank Rubyx Credit Card
- Joining Fee₹1,000
- Annual Fee₹1,000
- Best Suited ForTravel
- Reward TypeSkywards Miles (miles)
Rewards Rate
- Base rate 0.20%
Welcome Benefits
- Emirates Skywards Blue Tier Membership (retained while the card is active on payment of the annual fee)
ICICImidCo-brand · Emirates SkywardsRewards and Benefits
Rewards Rate
Base 0.20% 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
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.
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
- : www.icici.bank.in · retrieved 3 Jul 2026
Last verified 3 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.