ICICI Emirates Skywards Rubyx Credit Card
ICICI Bank
last updated: Oct 28, 2025
₹1,000
₹1,000
1.99%
6 visits/yr
Contents
A co-branded travel credit card aimed at frequent Emirates flyers and travellers. Cardholders earn Skywards Miles on everyday spends and benefit from travel privileges. Includes routine lounge access and partner benefits tailored for airline travellers. Well suited for those who prioritise flight rewards over cashback.
Features of ICICI Emirates Skywards Rubyx Credit Card which makes it unique
Skywards Membership
Complimentary basic Skywards membership with select benefits
Faster accrual of Skywards Miles
Co-branded advantage over generic reward cards
Spend Tracker
Monthly spend analysis and categorisation
Better budgeting and reward optimisation
Simplifies mile accumulation tracking
Rewards Structure of ICICI Emirates Skywards Rubyx Credit Card
Milestones of ICICI Emirates Skywards Rubyx Credit Card
Annual Spend Milestone
₹300,000 : Annual fee waiver or bonus miles as per bank policy
Fees & Charges of ICICI Emirates Skywards Rubyx Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹1,000 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Waived on meeting the bank's annual spend threshold.
Fee Explanation Standard bank rates apply for overdue amounts and fees.
Lounge Access Benefits with ICICI Emirates Skywards Rubyx Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Access via Dreamfolks/partner passes as specified by the bank.
international Lounges
silverVisits per year: 2
Guest access: Yes
International lounge access subject to partner rules.
Insurance Coverage with ICICI Emirates Skywards Rubyx Credit Card
travel insurance
₹1,000,000Valid for eligible international trips, subject to insurer terms.
purchase protection
₹50,000Covers eligible purchases within 90 days; T&Cs apply.
Additional Features of ICICI Emirates Skywards Rubyx Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Up to 3 add-on cards available
Subject to bank approval.
Welcome Bonus with ICICI Emirates Skywards Rubyx Credit Card
Welcome Bonus:
Bonus Conditions: Bonus/offer terms (if any) apply as per bank communications.
Application Process for ICICI Emirates Skywards Rubyx Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Finanjo portal or the bank website
Upload KYC documents
Receive verification call
Card dispatched within 7 days of approval
Required Documents for ICICI Emirates Skywards Rubyx Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
ICICI Emirates Skywards Rubyx Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for ICICI Emirates Skywards Rubyx Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹75,000
Minimum annual income
Self-Employed Applicants
₹900,000
Minimum annual income
Who Can Apply
Important Conditions
- Primary cardholder must provide valid PAN and Aadhaar (or other KYC documents).
How Approval Is Decided
- Minimum income as specified by the bank
- Indian resident
- Credit score above 700
Pros of ICICI Emirates Skywards Rubyx Credit Card
- Good earn rate on airline and international spends
- Travel-centric benefits and lounge visits
- Simple mile redemption via Skywards
Cons of ICICI Emirates Skywards Rubyx Credit Card
- Limited lifestyle offers outside travel
- Annual fee applies unless waived by spend
Frequently Asked Questions about ICICI Emirates Skywards Rubyx Credit Card
Is there a joining fee?
Yes. A joining fee applies; check the bank's current page for the exact amount and any limited-time waivers.
What is the annual fee waiver condition?
Annual fee waivers are usually available on meeting a specified annual spend threshold.
How do I earn Skywards Miles?
Earn Skywards Miles on eligible spends: higher rates on Emirates transactions, accelerated rates on international spends, and base miles on domestic spends.
How can I redeem Skywards Miles?
Redeem Miles through the Emirates Skywards programme for flights, upgrades and partner redemptions according to Skywards rules.
What lounge access is included?
Domestic lounge access is provided via partner passes (e.g., Dreamfolks) and international access is subject to partner terms; check the bank for exact visit entitlements.
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