CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
ICICI Bank

ICICI Emirates Skywards Rubyx Credit Card

30
Ranked #83 of 170 in credit
creditVisa/MastercardEntry-Travel

ICICI's entry-level Emirates Skywards co-branded card offering automatic Miles accrual and Blue Tier Emirates membership at a low fee, but limited to domestic-only lounge access — a starter option for occasional Emirates flyers, with Sapphiro/Emeralde variants recommended for frequent international travelers.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value16/100 · weight 71%
≈ 0.80% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
No rewards on: government, education. Reward score is scaled by ×(1 − 0.5%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency91/100 · weight 12%
Redemption flexibility60/100 · weight 9%
Perks35/100 · weight 9%

Fees

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

Joining fee
₹1,000 + 18% GST
= ₹1,180 total
Annual fee
₹1,000 + 18% GST
= ₹1,180 / year total
Waiver: Not detailed in current sources; verify at MITC
Forex markup
3.5%

Lounge access

Domestic (per year)
4
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
travelmiles1.50%(3 mi @ ₹0.50)——
online_spendsmiles0.75%(1.5 mi @ ₹0.50)——
diningmiles0.75%(1.5 mi @ ₹0.50)——
all_spendsmiles0.75%(1.5 mi @ ₹0.50)—1.5 Skywards Miles/Rs100; value depends on Emirates redemption
fuelmiles0.50%(1 mi @ ₹0.50)——
groceriesmiles0.50%(1 mi @ ₹0.50)——

Welcome offer

None (per CardInsider); some sources cite 10,000 Skywards Miles + Silver Tier — verify at application

Milestone benefits

Pros

  • Direct, automatic Emirates Skywards Miles accrual (no manual transfer/conversion step)
  • complimentary Blue Tier Emirates membership
  • low fee (Rs1,000) for a co-branded travel card

Cons

  • No international lounge access (must upgrade to Sapphiro or Emeralde variant for that)
  • domestic lounge access has a high Rs75,000/quarter spend threshold
  • fuel/education/utility/government/insurance/cash/EMI transactions earn zero or reduced miles

What's inside

More benefits

  • Movie ticket discount

    ₹250

    Up to 25% off movie tickets via BookMyShow and INOX

    Cap ₹3,000 / monthly. None specified

  • Culinary Treats dining discount

    Dining discounts at partner restaurants via ICICI Culinary Treats program

    unlimited. Dine-in at partner restaurants

Insurance cover

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₹NaN

Eligibility

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Age 21+; standard ICICI income criteria

Small print

Fuel surcharge:Not a highlighted benefit