Emirates Skywards ICICI Bank Rubyx Credit Card
ICICI Bank · Closed to new applicants
ICICI's entry Emirates card: 1 Skywards Mile per ₹100 and Skywards Blue membership, with one domestic lounge visit a quarter on spend. ₹1,000 a year, no waiver. Not accepting applications (product page note).
- Annual fee
- ₹1,000 + GST a year
- Joining fee
- ₹1,000 + GST
- Base rate
- Eligible retail spends, 1 Skywards Miles per ₹100: 1 Emirates Skywards Miles per ₹100 (about 0.7% at cash value)
- Lounges
- Domestic: 1 visit a calendar quarter after ₹75,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No miles on fuel, cash, EMI, insurance, utilities, government, education, rent or wallet loads
Terms the calculator does not value
- The page and FAQ may still state the earn rate and lounge terms that applied before the MITC's changes of 2026-01-15; the entered rate follows the T&C and MITC.
- Groceries and department stores, and IRCTC railway spends, earn the base miles rate with no cap of their own: the MITC's capping tables (pp20-22) do not name this card.
Sources
- Emirates Skywards ICICI Bank Rubyx Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- General MITC for ICICI Bank credit cards (last updated 2026-11-06) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Terms and Conditions governing the features and offers of Emirates Skywards ICICI Bank Rubyx Credit Card (last updated 2025-09-30) (Reward terms, the bank's own, read 6 Nov 2026)