Emirates Skywards ICICI Bank Rubyx Credit Card

Gaurav

The Emirates Skywards ICICI Bank Rubyx Credit Card is the most basic and budget-friendly travel card launched by ICICI Bank in partnership with Emirates Airlines. It comes with a low joining and annual fee of Rs. 1,000, making it a good option for people who often travel with Emirates. With this card, you can earn up to 1.5 Skywards Miles for every Rs. 100 you spend, which can be used to book flights or get seat upgrades on the Emirates website. If you spend Rs. 75,000 in a quarter, you also get one free domestic airport lounge access. Plus, you receive a complimentary Blue Tier membership with Emirates when you get or renew the card.

Apart from travel rewards, the Rubyx card also offers extra benefits. You can save up to 25% on movie tickets through BookMyShow and INOX, and enjoy discounts at partner restaurants through ICICI’s Culinary Treats program. It also gives reward points on utility and insurance payments, which many cards don’t. However, it does not include international lounge access. If you travel abroad often, you might want to choose the Sapphiro or Emeralde version instead. But overall, the Rubyx card is a smart pick for regular Emirates flyers looking for simple travel perks at a low cost.

Credit Card Detail
Emirates Skywards ICICI Bank Rubyx Credit Card
Joining Fee
Rs. 1000.00 +GST
Renewal Fee
Rs. 1000.00 +GST
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
N/A
Apply Now
Rewards Rate
You can earn up to 1.5 Skywards Miles for every Rs. 100 you spend. These miles can be used to book hotels, travel, event tickets, or even upgrade your flight. You can also use them with partner airlines for more rewards.
Reward Redemption
The Skywards Miles you earn are added automatically to your Emirates Skywards account.
Movie & Dining
You get 25% off, up to Rs. 100, on buying two movie tickets through BookMyShow or Inox, and you can use this offer two times a month.
Travel
N/A
Golf
N/A
Domestic Lounge Access
You get 1 free lounge visit every quarter if you spent ₹75,000 or more in the previous 3 months.
International Lounge Access
N/A
Insurance Benefits
N/A
Interest Rates
3.4% per month
Spend-Based Waiver
N/A
Rewards Redemption Fee
Nil
Cash Advance Charges
You’ll be charged 2.5% of the amount you take out, but the fee will be at least Rs. 500 no matter how small the withdrawal is.
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
You get a 1% discount on fuel charges when you spend between Rs. 400 and Rs. 4,000 at any fuel station, with a maximum savings of Rs. 250 per month.
Card Details
  • Earn 1.5 Skywards Miles on every Rs. 100 spent.
  • Earn 1 Skywards Mile per Rs. 100 on insurance and utility payments.
  • Miles can be redeemed for flights, upgrades, and more on Emirates.com
  • 1 complimentary domestic lounge access per quarter (on spending Rs. 75,000 in the previous quarter).
  • Complimentary Emirates Blue Tier Membership on joining and renewed yearly on payment of annual fee.
  • 25% off on movie tickets (up to Rs. 100) on BookMyShow and Inox, twice a month.
  • Dining discounts at partner restaurants via ICICI Culinary Treats program.
  • 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000. Maximum waiver of Rs. 250 per month.
Pros/Cons
Pros
- You get a free Emirates Blue Tier Membership, can use Skywards Miles to book flights or upgrade seats, enjoy discounts on movie tickets through BookMyShow and INOX, and even earn rewards when paying for utilities and insurance.
Cons
- This card doesn’t offer a way to skip the annual fee, and you need to spend a certain amount to get lounge access. Also, it doesn’t include access to international airport lounges.
Related Credit Cards

ICICI Bank Rubyx Credit Card

ICICI Bank Rubyx Credit Card Know More

ICICI Bank Student Sapphiro Forex Prepaid Card

ICICI Bank Student Sapphiro Forex Prepaid Card Know More

ICICI Bank Sapphiro Forex Prepaid Card

ICICI Bank Sapphiro Forex Prepaid Card Know More

ICICI Bank Sapphiro Credit Card

ICICI Bank Sapphiro Credit Card Know More
Frequently Asked Questions

Do I get any welcome benefits with the Emirates Skywards ICICI Bank Rubyx Credit Card?

No, this card doesn’t offer any welcome benefits when you join.

Does this card offer international lounge access?

No, it only offers 1 free visit to a domestic lounge per quarter, and only if you spend ₹75,000 in the previous quarter.

What is the interest rate on this card?

The interest rate is 3.4% per month, which adds up to 40.8% per year.

Is this card a good choice for Emirates flyers?

Yes, it’s designed for people who often fly with Emirates. You can earn Skywards Miles on your spends, which can be used for flights and upgrades.

How can I apply for this card?

You can apply online through the ICICI Bank website or visit a nearby ICICI branch with your documents.

Do I earn rewards on fuel spending?

No, you don’t earn Miles on fuel, but you get a 1% fuel surcharge waiver (up to ₹250 per month) on spends between ₹400 and ₹4,000.

Can I get the annual fee waived?

No, the ₹1,000 annual fee cannot be waived. But after you pay it, your complimentary Emirates Blue Tier membership is renewed.

Are there any discounts on movies?

Yes, you get 25% off (up to ₹100) on two movie tickets per month through BookMyShow or Inox.

Leave a Reply

About text formats

Restricted HTML

  • Allowed HTML tags: <a href hreflang> <em> <strong> <cite> <blockquote cite> <code> <ul type> <ol start type> <li> <dl> <dt> <dd> <h2 id> <h3 id> <h4 id> <h5 id> <h6 id>
  • Lines and paragraphs break automatically.
  • Web page addresses and email addresses turn into links automatically.