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Emirates Skywards ICICI Bank Rubyx Credit Card
Visa
Emirates Skywards ICICI Bank Rubyx Credit Card
The entry-level Rubyx card in ICICI's three-tier Emirates Skywards lineup is aimed at occasional Emirates flyers who want to start earning Skywards Miles without paying premium-card fees — modest earn rates, but Silver Tier status and regular movie-ticket deals add everyday value alongside the travel angle.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
miles
Base reward rate
1%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 720+ whose spend is concentrated in travel. It's worth the annual fee mainly if your miles value clears it.
Benefits by category
- ✈️ Travel
1.5% reward rate
- 🌍 Forex / international spend
2.5% forex markup on international transactions
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- Complimentary Emirates Skywards Silver Tier membership
- Buy-1-get-1 movie ticket offer up to 4 times a month
Pros
- + Complimentary Emirates Skywards Silver Tier from card issuance
- + Buy-1-get-1 movie tickets up to 4 times a month
- + Lower entry fee than the Sapphiro/Emeralde variants
Cons
- − Mile-earning rate is modest compared to the higher Emirates Skywards tiers
- − No standing lounge access at this entry tier
- − 2.5% forex markup is unremarkable for a travel-branded card