Emirates Skywards ICICI Bank Rubyx Credit Card – Benefits, Fees & Eligibility

Introduction

The Emirates Skywards ICICI Bank Rubyx Credit Card, issued by ICICI Bank, is positioned as an affordable credit card primarily for frequent Emirates flyers. It allows cardholders to earn Skywards Miles on their spending, offering valuable travel benefits such as domestic airport lounge access, discounts on Emirates flight bookings, and entertainment deals including movie ticket discounts and dining offers. This card is designed for individuals seeking a pocket-friendly option with decent reward rates and travel perks.

Fees

• Joining Fee: ₹1,000 + GST
• Annual Fee: ₹1,000 + GST
• Spend-Based Waiver:
  • Domestic Lounge Access: 1 complimentary domestic lounge visit per quarter on a minimum spend of ₹75,000 in the previous quarter.
  • Movie Ticket Discount: To be eligible for the complimentary movie/events tickets offer on BookMyShow (starting April 1, 2026), a spend of ₹25,000 or more on the card is required within the preceding spends quarter. This entitles the cardholder to avail the offer in the following calendar quarter. Add-on/Plus card members need to individually spend ₹25,000 in the preceding spends quarter.
• Rewards Redemption Fee: Nil
• Foreign Currency Markup: 3.5% on all foreign currency spends.
• Interest Rates:
  • 3.75% per month (45% per annum) on ATM withdrawals.
  • 3.75% per month (45% per annum) if only the minimum due is paid.
• Fuel Surcharge Waiver: 1% waiver on fuel transactions worth ₹400 - ₹4,000 at all fuel pumps/authorized fuel stations in India.
• Cash Advance Charges: 2.5% of the withdrawn amount, subject to a minimum of ₹500.
• Late Bill Payment: Ranging from ₹100 to ₹1,300.

Rewards

• Skywards Miles Earning:
  • Earn 1 Skywards Mile on every ₹100 spent on International transactions.
  • Earn 1 Skywards Mile on every ₹100 spent on Domestic transactions.
  • Skywards Miles are not earned on fuel transactions, education, utility, government, insurance, cash withdrawals, EMI transactions, and balance transfers.
• Emirates Flight Discount: Get up to 10% discount on Emirates flight bookings using the promo code INICI26 via Emirates.com or the Emirates App.
• Domestic Airport Lounge Access: Enjoy 1 complimentary domestic lounge visit per quarter, subject to a minimum spend of ₹75,000 in the previous quarter.
• Movie Ticket Discount:
  • Get 25% off up to ₹100 on movie tickets each on BookMyShow and INOX, twice a month.
  • This benefit is available on booking a minimum of two tickets via BookMyShow.
  • Eligibility for this offer requires a spend of ₹25,000 or more in the preceding quarter (effective April 1, 2026).
  • Customers with Credit Cards on dual networks (Mastercard & Amex | Visa & RuPay) can avail one movie offer per month, per variant.
  • Cashback offers on the Amex variant have been revoked effective from January 1, 2025.
• Dining Discounts: Enjoy a discount of 15% or more on dining across several premium restaurants with the ICICI Bank’s Culinary Treats Programme.
• Emirates Skywards Blue Tier Membership: Complimentary membership which automatically renews after the annual fee payment.

Rewards Redemption Guide

• The earned Skywards Miles are automatically credited to the cardholder’s Emirates Skywards account at the end of the billing cycle.
• Miles can be redeemed for flight bookings, upgrades, hotel stays, and more through Emirates and its partners via the Emirates Skywards website.

Card Eligibility Criteria

• Age:
  • Primary cardholder must be an Indian citizen over 21 years of age.
  • Supplementary cardholder must be 18 years or more.
• Income:
  • Salaried individual with a monthly income of ₹75,000.
  • Self-employed individual with an annual income of at least ₹9,00,000.
• Credit Score: The applicant should have a decent credit score.

Documents Required

• Identity Proof: Aadhar Card, Driving License, Voters’ Id, PAN Card (any one).
• Address Proof: Utility bills, Aadhar Card, Passport, Driving License (any one).
• Income Proof: Latest bank statements/salary slips, or Latest ITR.

Card Review

The Emirates Skywards ICICI Bank Rubyx Credit Card is best suited for individuals who frequently travel with Emirates airlines and are looking for an affordable credit card that offers a decent reward rate and valuable travel benefits. It serves as the most basic variant among ICICI Bank's co-branded offerings with Emirates.

Pros:

• Earns Skywards Miles on all retail spends, both domestic and international.
• Offers discounts on Emirates flight bookings.
• Provides complimentary domestic airport lounge access.
• Includes movie ticket discounts and dining offers.
• Comes with a 1% fuel surcharge waiver.
• Relatively low annual fee for a travel-focused card.

Cons:

• No complimentary international lounge access.
• Lounge and movie benefits are spend-based, requiring significant quarterly spending to unlock.
• No specific welcome benefits are offered.
• High foreign currency markup fee (3.5%).

Overall, if your travel is primarily domestic or with Emirates, and you seek an entry-level travel card with a focus on airline miles and entertainment perks, this card offers good value for its annual fee, provided you meet the spend-based conditions for its key benefits. However, for extensive international travel or premium benefits, higher-tier Emirates co-branded cards might be more suitable.

Important Product Details

• Earn 1 Skyward Mile on every ₹100 spent on all international and domestic retail transactions.
• Skyward Miles are automatically credited to the Emirates Skywards account.
• Up to 10% discount on Emirates flight bookings using a specific promo code.
• 1 complimentary domestic airport lounge visit per quarter on spending ₹75,000 in the previous quarter.
• 25% discount (up to ₹100, twice a month) on movie tickets via BookMyShow and INOX, subject to ₹25,000 spend in the preceding quarter for eligibility (effective April 1, 2026).
• 15% or more discount on dining through ICICI Bank’s Culinary Treats Programme.
• 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000.
• Joining and Annual Fee: ₹1,000 + GST.
• Interest Rate: 3.75% per month (45% per annum).
• Foreign Currency Markup: 3.5%.
• Cash Advance Fee: 2.5% of the withdrawn amount (minimum ₹500).
• No international airport lounge access.
• Currently, applications for the Emirates Rubyx Credit Card are not being accepted.

Other Details

• The maximum credit limit for the card is determined by the bank based on factors like credit score, income, and repayment history.
• The card can be applied for online through the ICICI Bank website or by visiting an ICICI Bank branch.
• Refer to the Most Important Terms & Conditions (MITC) for other charges and applicable Terms & Conditions (T&Cs).