Emirates Skywards ICICI Bank Rubyx Credit Card
Elevate every journey with the Emirates Skywards ICICI Bank Rubyx Credit Card.
Annual Fee
₹1,000
Base Rewards
1.1%
Forex Fee
3.5%
Expert Verdict
The Emirates Skywards ICICI Bank Rubyx Credit Card is a niche travel product that excels for those who frequently book with Emirates. While the base earning rate and airline tier membership are valuable for the 1,000 annual fee, the spend-linked lounge access is a significant drawback.
Quick Match
Is this card right for you?
This card could work well for you
Your Estimated Value
Year 1
+₹5,300
Year 2+
+₹5,300
Why get this card
Earn Skywards Miles even on insurance and utility payments (1 Mile per 100).
Complimentary Emirates Skywards Blue Tier membership upon joining and renewal.
Redeem miles directly for Emirates flight bookings and upgrades.
Lifestyle benefits like 25% discount on movie tickets twice a month.
Watch out for
No annual fee waiver threshold available.
Domestic lounge access requires a high spend of 75,000 in the previous quarter.
No international lounge access despite being a travel-branded card.
+1 more considerations
- Reward redemption is highly restricted to the Emirates ecosystem.
Who is this card for?
Best for
emirates loyalist
Frequent flyers of Emirates who want to earn miles on everyday spends at a low annual cost.
entry level traveler
Users looking for their first co-branded airline card with a low joining fee of 1,000.
Skip if you're
lounge seekers
Those who prioritize frequent domestic or international lounge access as part of their travel benefits.
flexible reward seekers
Users who prefer earning points that can be transferred to multiple airlines or converted to cashback.
Base Earning
15 Skywards Miles
per ₹1000 spent
1.1%
effective rate
Point value: ₹0.70/point
Bonus Categories
INTERNATIONAL
1×
1.05% return
RETAIL_DOMESTIC
1×
1.05% return
UTILITY_INSURANCE
1×
0.7% return
Welcome Offer
Complimentary Emirates Skywards Blue Tier Membership upon payment of joining fee.
Milestones
Spend ₹0.0L
Renewal of Emirates Skywards Blue Tier Membership on payment of annual fee.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
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Upgrade Path
Move up or down within this bank