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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.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
miles
Base reward rate
1.5%
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.
Rewards & benefits
- Movie & dining: Buy-1-get-1 movie ticket offer up to 4 times a month
- Rewards rate: 1.5% base rate
- Travel: Complimentary Emirates Skywards Silver Tier membership
- Domestic lounge access: 1 complimentary domestic airport lounge visit every quarter
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
Fees & charges
- Rewards redemption fee: Free for redemption as statement credit or ICICI's own reward catalogue vouchers; ₹99 + GST per redemption request for select third-party gift/merchandise catalogue items
- Foreign currency markup: 2.5%
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
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
- − Lounge access is limited to one domestic visit every quarter, with no international lounge access
- − 2.5% forex markup is unremarkable for a travel-branded card