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Emirates Skywards ICICI Bank Rubyx Credit Card

Affordable Emirates co-branded card for everyday Skywards earners

Co-brandedEmiratesEntry TravelLow Fee
Apply Now — Official ICICI Site ↗
Joining Fee
₹1,000 + GST
Annual Fee
₹1,000 + GST
Reward Rate
1.5 Skywards Miles per ₹100 on all spends
Lounge Access
1 domestic per quarter (spend-based)
Forex Markup
3.5%
Fuel Waiver
1% surcharge waiver up to ₹250/month
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Key Features & Benefits
  • 1.5 Skywards Miles per ₹100 on all eligible spends
  • Complimentary Emirates Skywards Blue Tier membership
  • 1 complimentary domestic lounge visit per quarter (spend-based)
  • 25% off on 2 movie tickets (twice/month) at BookMyShow & INOX
  • Dining benefits via ICICI Culinary Treats
  • 1% fuel surcharge waiver on ₹400–₹4,000 transactions
  • Annual fee waiver on ₹1.5L annual spend
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Welcome & Joining Benefits
  • Complimentary Emirates Skywards Blue Tier membership
  • Blue Tier renewal on annual fee payment
Milestone Benefits
  • ₹1.5L annual spend → ₹1,000 annual fee waived
Pros & Cons

✓ Advantages

  • Very affordable — ₹1,000 fee waived at ₹1.5L spend
  • Entry into Emirates Skywards at minimal cost
  • 1.5 miles/₹100 is decent for an entry-level card
  • Good for occasional Emirates flyers building miles slowly

✗ Disadvantages

  • No international lounge access
  • 3.5% forex markup — ironically poor for a travel card
  • Only 1 domestic lounge/quarter — minimal
  • Miles limited to Emirates ecosystem
Frequently Asked Questions
Is it worth choosing Rubyx over standard Coral for Emirates users?
If you fly Emirates even occasionally, yes — you earn miles you can redeem for upgrades or flights. The ₹1,000 fee is the same as Coral's ₹500×2 variants but adds the Emirates miles earning capability.
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