Emirates Skywards ICICI Bank Rubyx Credit Card
ICICI Bank
Emirates Skywards ICICI Bank Rubyx Credit Card
ICICI Bank
Annual Fee
₹1,000
Effective Rate
1.00%
Network
VISA
Point Value
₹1.00/pt
About Emirates Skywards ICICI Bank Rubyx Credit Card
2 Skywards miles/₹100. Domestic lounge on ₹75K quarterly spend. BoGo 25% off (max ₹100) BookMyShow. 1% fuel waiver HPCL. Income ₹75K/month.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic Airport Lounge
- check_circleEmirates Skywards Miles
thumb_downCons
- cancelAnnual fee of ₹1,000 with no waiver option
- cancelMinimum income requirement applies
- cancelForeign transaction fee applies on overseas spends
Reward Earning Structure
Each point is worth ₹1.00 — an effective return of 1.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 4% | 400 pts≈ ₹400 |
| All other spends | 2% | 200 pts≈ ₹200 |
Miles can be transferred to partner airlines and hotel loyalty programs. Transfer ratios vary by partner — check the ICICI Bank website for current transfer partners and ratios.
Card Benefits
Domestic Airport Lounge
2 complimentary domestic lounge visits per quarter
~₹4,000/yr value
Emirates Skywards Miles
Earn Skywards Miles on all card spends
~₹5,000/yr value
Travel Insurance
International travel insurance cover
~₹3,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver at HPCL pumps
~₹2,500/yr value
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the ICICI Bank website.
| Annual Fee | ₹1,000 |
| Forex Markup | As per issuer schedule |
| Min. Income Required | ₹9,00,000 per year |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: ₹9,00,000
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Emirates Skywards ICICI Bank Rubyx Credit Card.
Ready to apply for Emirates Skywards ICICI Bank Rubyx Credit Card?
Apply directly on the ICICI Bank website. Most decisions within 7–10 working days.
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