Your Guide to the ICICI Emirates Rubyx Credit Card

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

12 Dec 25
3 mins

Shreyansh Singh

08 Mins
12-12-25

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Table of Contents

ICICI Emirates Rubyx Credit Card Benefits
ICICI Emirates Rubyx Credit Card Charges
Reward Structure for ICICI Emirates Rubyx Credit Card
Who Can Apply for the ICICI Emirates Rubyx Credit Card?
Conclusion

The ICICI Emirates Rubyx Credit Card is the base variant in the Emirates Skywards co-branded range. It suits users who want steady travel rewards without a high fee. You earn up to 1.5 Skywards Miles on both international and domestic spends. These miles convert into flights, upgrades, hotel stays, and partner rewards through Emirates.

ICICI Emirates Rubyx Credit Card Benefits

You earn up to 4% cashback on iShop. You receive travel and lifestyle savings across key categories. These benefits create a strong base for regular users.

Core Benefits:

The ICICI Emirates Rubyx Credit Card Lounge Access benefit unlocks domestic lounges each quarter after you cross ₹75,000 in spending.
You get 25% off on BookMyShow and INOX tickets, twice a month, with a cap of ₹100. Dining discounts add quick value at partner outlets.
Fuel spends between ₹400 and ₹4,000 qualify for a 1% surcharge waiver. These features make the card suitable for moderate travel and daily use.

ICICI Emirates Rubyx Credit Card Charges

Parameters	Charges
Joining and Annual Fee	₹1000 + GST
Card Replacement Charges	₹200
Finance Charges	3.75% (monthly); 45% (annually)
Overlimit Charges	2.50%; (min. ₹550)
Late Payment Fees	<₹100	NIL
	₹100 - ₹500	₹100
	₹501 - ₹1,000	₹500
	₹1,001 - ₹5,000	₹600
	₹5,001 - ₹10,000	₹750
	₹10,001 - ₹25,000	₹900
	₹25,001 - ₹50,000	₹1,100
	>₹50,000	₹1,300

For further details regarding charges that come along with ICICI Bank Credit Cards, you can check their Most Important Terms and Conditions PDF.

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Reward Structure for ICICI Emirates Rubyx Credit Card

With this card, you earn Emirates Skywards Miles every time you spend, whether in India or overseas. For every ₹100 spent, you receive:

1.5 Skywards Miles on international transactions
1.5 Skywards Miles on domestic purchases

All accumulated miles are automatically credited to your Emirates Skywards account at the end of each billing cycle, making it easy to redeem them for flights, upgrades, and exclusive travel rewards.

Who Can Apply for the ICICI Emirates Rubyx Credit Card?

To begin with, you need to be an Indian citizen, aged 21 or above. Moreover, a salaried applicant must earn ₹75,000 per month, while a self-employed applicant must have an annual income of ₹9,00,000.

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Conclusion

The ICICI Emirates Rubyx Credit Card is a practical option for travellers seeking steady Skywards Mile earnings without high fees. With lounge access, movie and dining discounts, and useful daily spend benefits, it balances travel and lifestyle value. Its reasonable eligibility criteria make it suitable for moderate users wanting reliable rewards.