Name: ICICI Bank Emirates Skywards Rubyx Credit Card
Brand: ICICI
Price: 1000 INR
Availability: InStock
Rating: 3 (1 reviews)

Question 1

What is the ICICI Bank Emirates Skywards Rubyx Credit Card joining fee?

Accepted Answer

The joining fee is ₹1,000 plus 18% GST. You also receive a complimentary Emirates Skywards Blue Tier Membership upon card activation, giving you access to the Emirates loyalty program and the ability to earn Skywards Miles on every eligible purchase.

Question 2

What is the annual fee for the Emirates Skywards Rubyx Credit Card?

Accepted Answer

The annual fee is ₹1,000 plus 18% GST. Unlike the standard ICICI Rubyx card, there is no spend-based annual fee waiver available. The fee includes automatic renewal of your Emirates Skywards Blue Tier Membership each year.

Question 3

Can I get the Emirates Skywards Rubyx annual fee waived?

Accepted Answer

No, the annual fee of ₹1,000 plus GST cannot be waived. ICICI Bank does not offer a spend-based fee waiver for this co-branded card. The fee covers your Emirates Skywards Blue Tier Membership renewal, which would otherwise need separate enrollment with Emirates.

Question 4

How many Skywards Miles does the Emirates Rubyx earn per ₹100 spent?

Accepted Answer

The card earns 1 Emirates Skywards Mile per ₹100 on all eligible retail purchases, with the same rate for both domestic and international transactions. Insurance, utility, government, and education payments do not earn miles. Miles are credited to your Emirates Skywards account at the end of each billing cycle.

Question 5

How are Skywards Miles from the Emirates Rubyx card credited to my account?

Accepted Answer

Miles are automatically credited to your linked Emirates Skywards account at the end of each billing cycle. You need to provide your Emirates Skywards membership number when applying for the card to ensure proper linkage. No manual transfer or redemption request is needed for the credit.

Question 6

How can I redeem Emirates Skywards Miles earned from this credit card?

Accepted Answer

You can redeem Skywards Miles for Emirates flight bookings, cabin upgrades, hotel stays, car rentals, and partner airline tickets through the Emirates website or app. Miles can also be used for experiences and retail purchases through Emirates Skywards partners. Redemption values vary by booking class and destination.

Question 7

What income do I need to qualify for the Emirates Skywards Rubyx Credit Card?

Accepted Answer

Salaried applicants need a minimum monthly income of ₹75,000 (₹9 lakh per year). Self-employed applicants require an annual income of ₹9 lakh. You must be an Indian citizen aged 21 years or above. A credit score of 750 or higher is typically expected for approval.

Question 8

Does the Emirates Skywards Rubyx Credit Card include airport lounge access?

Accepted Answer

The card provides 1 complimentary domestic airport lounge visit per quarter, but only if you spent ₹75,000 or more in the preceding quarter. This gives a maximum of 4 domestic lounge visits per year. There is no international airport lounge access with this card.

Question 9

Does the Emirates Rubyx provide international airport lounge access?

Accepted Answer

No, the Emirates Skywards Rubyx Credit Card does not include international airport lounge access. Only domestic airport lounges are available, limited to 1 visit per quarter with a ₹75,000 quarterly spend requirement. For international lounge access, consider upgrading to the Emirates Sapphiro or Emeralde cards from ICICI Bank.

Question 10

What Emirates Skywards membership tier comes with this credit card?

Accepted Answer

The card includes a complimentary Emirates Skywards Blue Tier Membership, the entry-level tier in the Emirates loyalty program. This membership is automatically renewed each year when you pay the annual fee. Blue Tier members can earn and redeem Skywards Miles, access member-only offers, and enjoy benefits across Emirates and partner airlines.

Question 11

What movie ticket discounts does the Emirates Rubyx Credit Card offer?

Accepted Answer

You get 25% off (up to ₹100) on BookMyShow and INOX movie tickets, available twice a month. The discount applies when you book at least 2 tickets per transaction. This gives a potential saving of up to ₹400 per month across both platforms.

Question 12

Does the Emirates Rubyx Credit Card have a fuel surcharge waiver?

Accepted Answer

Yes, the card provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at all fuel pumps across India. This waiver applies to the primary cardholder and saves a small amount on each fuel fill-up throughout the year.

Question 13

What is the iShop cashback benefit on the Emirates Rubyx Card?

Accepted Answer

You can earn up to 4% cashback on purchases made through iShop, ICICI Bank's online shopping portal. The cashback percentage varies by merchant and category. This benefit is in addition to the regular Skywards Miles you earn on these transactions.

Question 14

What card network is the Emirates Skywards Rubyx Credit Card available on?

Accepted Answer

The Emirates Skywards Rubyx Credit Card is available on the Visa network. It is accepted at all Visa-enabled merchants worldwide, both online and at physical stores. Contactless tap-and-pay is also supported for quick in-store transactions.

Question 15

What is the foreign currency markup on the Emirates Rubyx Credit Card?

Accepted Answer

A 3.5% foreign currency markup applies on all international transactions. While this is standard for most Indian credit cards, dedicated travel cards typically charge 1.5% to 2%. If international spending is a significant part of your usage, factor this markup cost into your decision.

Question 16

What interest rate does the Emirates Rubyx charge on unpaid balances?

Accepted Answer

The finance charge is 3.75% per month, which translates to 45% per year. This applies to any outstanding balance carried past the payment due date. Paying the full statement balance by the due date each month avoids interest charges entirely.

Question 17

What are the late payment charges on the Emirates Rubyx Credit Card?

Accepted Answer

Late payment fees range from ₹100 to ₹1,300, depending on your total outstanding balance. These charges apply when you fail to pay at least the minimum amount due by the statement due date. Repeated late payments can also negatively impact your credit score.

Question 18

Can I convert Emirates Rubyx Credit Card purchases to EMI?

Accepted Answer

Yes, any purchase above ₹2,500 can be converted to EMI through the iMobile app or ICICI Bank internet banking. Tenure options and interest rates depend on the transaction amount and your account standing. EMI conversions do not earn Skywards Miles.

Question 19

How do I apply for the ICICI Bank Emirates Skywards Rubyx Credit Card?

Accepted Answer

You can apply through the ICICI Bank website or the iMobile app. You will need your PAN card, Aadhaar, and income proof (salary slips for salaried applicants, ITR for self-employed). Have your Emirates Skywards membership number ready to link your miles account during the application process. Existing ICICI Bank customers may find pre-approved offers in iMobile or internet banking.

Question 20

How does the Emirates Skywards Rubyx compare to the standard ICICI Rubyx?

Accepted Answer

The Emirates Rubyx costs ₹1,000 annually (vs ₹2,000 for standard Rubyx) but has no fee waiver option. It earns 1 Skywards Mile per ₹100 instead of ICICI reward points, making it better for Emirates flyers. The standard Rubyx offe₹2 domestic lounge visits per quarter, welcome vouchers worth ₹5,000+, golf rounds, and milestone rewards up to 15,000 points per year, none of which are available on the Emirates version.

Question 21

What documents are needed to apply for the Emirates Rubyx Credit Card?

Accepted Answer

You need identity proof (PAN Card is mandatory, plus Aadhaar, Passport, or Voter ID), address proof (Aadhaar, Passport, recent utility bill, or bank statement), and income proof. Salaried applicants should provide latest 3 months salary slips and bank statement or Form 16. Self-employed applicants need latest 2 years ITR and 6 months bank statement.

Question 22

What happens to my Skywards Miles if I close the Emirates Rubyx card?

Accepted Answer

Skywards Miles already credited to your Emirates Skywards account remain in your Emirates membership and are not affected by closing the credit card. However, you will stop earning new miles from card spending. Miles in your Skywards account follow the standard Emirates expiry policy, which requires account activity every 18 months to keep miles valid.

Question 23

Can I get a supplementary Emirates Skywards Rubyx Credit Card?

Accepted Answer

Yes, supplementary cards are available at ₹199 per year. Spending on supplementary cards earns Skywards Miles at the same rate of 1 Mile per ₹100 as the primary card. All miles from supplementary card transactions are credited to the primary cardholder's Emirates Skywards account.

Question 24

What is the minimum payment due on the Emirates Rubyx Credit Card?

Accepted Answer

The minimum payment is 5% of the total outstanding balance or ₹200, whichever is higher. Paying only the minimum avoids late payment fees but triggers the 3.75% monthly finance charge on the remaining balance. Always aim to pay the full statement balance to avoid interest charges.

Question 25

Is the Emirates Skywards Rubyx Credit Card worth it for occasional Emirates flyers?

Accepted Answer

At ₹1,000 annual fee, the card provides an affordable entry into Skywards Miles earning. If you spend ₹50,000 per month (₹6 lakh per year), you would earn approximately 6,000 Skywards Miles annually from retail spending. Combined with up to 4 domestic lounge visits (if you meet the ₹75K quarterly threshold), movie discounts, and fuel surcharge waiver, the card delivers modest value for its low fee. However, at 1 Mile per ₹100, you would need significant spending over multiple years to accumulate enough miles for a meaningful redemption like a flight ticket.

Joining Fee	₹1,000 + GST
Annual Fee	₹1,000 + GST
Annual Fee Waiver	No waiver available
Monthly Percentage Rate	3.75%
Annual Percentage Rate	45%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	₹100 to ₹1,300 based on outstanding
Overlimit Charges	2.5% of overlimit amount
Cash Advance Fee	2.5% of amount (min ₹500)
Balance Transfer Fee	2% of transferred amount (min ₹250)
Fee For Supplementary Card	₹199/year
Card Replacement Fee	₹100 to ₹200
Fee For Duplicate Statement	₹50 per statement
Fee For Cheque Bounce	₹500

Age Requirement Salaried	21-65 years
Age Requirement Self Employed	21-65 years
Minimum Annual Income Salaried	₹9.0 lakh (₹75,000/month)
Minimum Annual Income Self Employed	₹9.0 lakh/year
Minimum Credit Score	750+

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Voter ID
Address Proof	Aadhaar Card Passport Utility Bill (recent) Bank Statement
Income Proof Salaried	Latest 3 months salary slips Latest 3 months bank statement Form 16 or ITR
Income Proof Self Employed	Latest 2 years ITR Latest 6 months bank statement Business proof documents

Joining Fee	₹1,000 + GST
Annual Fee	₹1,000 + GST
Annual Fee Waiver	No waiver available
Monthly Percentage Rate	3.75%
Annual Percentage Rate	45%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	₹100 to ₹1,300 based on outstanding
Overlimit Charges	2.5% of overlimit amount
Cash Advance Fee	2.5% of amount (min ₹500)
Balance Transfer Fee	2% of transferred amount (min ₹250)
Fee For Supplementary Card	₹199/year
Card Replacement Fee	₹100 to ₹200
Fee For Duplicate Statement	₹50 per statement
Fee For Cheque Bounce	₹500

Age Requirement Salaried	21-65 years
Age Requirement Self Employed	21-65 years
Minimum Annual Income Salaried	₹9.0 lakh (₹75,000/month)
Minimum Annual Income Self Employed	₹9.0 lakh/year
Minimum Credit Score	750+

ICICI Bank Emirates Skywards Rubyx Credit Card

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Pros

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ICICI Bank Emirates Skywards Rubyx Credit Card

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

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