Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

#146 of 173 in credit

ICICI Bank

ICICI Emirates Skywards Rubyx Credit Card

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Unverified draft. Details auto-drafted; run admin cross-check to verify.

Score breakdown

Data completeness: 80% · Last verified: 06 Jul 2026

Reward value13/100 · weight 65%

≈ 0.62% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency41/100 · weight 11%

Redemption flexibility60/100 · weight 8%

Perks35/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹5,000 + 18% GST
= ₹5,900 total
Annual fee: ₹5,000 + 18% GST
= ₹5,900 / year total
Forex markup: 2%

Lounge access

Domestic (per year): 8
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
travel	miles	1.50%(3 mi @ ₹0.50)	—	—
online_spends	miles	0.75%(1.5 mi @ ₹0.50)	—	—
dining	miles	0.75%(1.5 mi @ ₹0.50)	—	—
fuel	miles	0.50%(1 mi @ ₹0.50)	—	—
groceries	miles	0.50%(1 mi @ ₹0.50)	—	—
all_spends	miles	0.50%(1 mi @ ₹0.50)	—	—