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Emirates Skywards ICICI Rubyx

Annual Fee

₹1,000

Rewards/₹100

₹1.50

Normalized to balance base rate with bonus categories

Interest Rate

42.00%

Credit Score

680+

At a Glance

Key Benefits

1.5 Skywards Miles/Rs 100, Blue tier, 25% movie discount

Lounge Access

1 domestic lounge/quarter on Rs 75K quarterly spend

Eligibility

Salaried: Rs 30,000+/month, Age: 21-60, CIBIL: 680+

Quick Details

Annual Fee
₹1,000 #183
Joining Fee
₹1,000 #183
Interest Rate
42.00% p.a. #108
Forex Markup
3.50% #75
Rewards/₹100
₹1.50 #166
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
4/year #61
Min Credit Score
680+ #38
Min Monthly Income ₹25
Network VISA
Late Payment Fee ₹0 3.75% (min ₹100)
Cash Advance Fee ₹0 2.50% (min ₹500)

Reward Structure

Base

All Spends

₹1.50 /₹100
Cat

Insurance & Utilities

₹1.00 /₹100

Reward Calculator

Allocate by Category100%
Insurance & Utilities
1.0 pts
60%₹30,000
Other Spends
1.5 pts
40%₹20,000
Your Rewards
Points Earned600
Cash Value₹600
Breakdown
Insurance & Utilities300
Other Spends300
Total Value₹600
Quick amounts:

Milestone Benefits

Welcome Bonus

Emirates Blue Tier membership on card activation

₹0

value

Renewal Benefit

Blue Tier renewal on annual fee payment

₹0

value

Airport Lounge Access

Domestic Free
4

visits per year

1 visit per quarter on Rs 75,000 quarterly spend

Insurance Coverage

Lost Card

₹0

Zero liability.

Fraud

₹0

Zero liability.

Quick Analysis

The Emirates Skywards ICICI Rubyx is the most affordable entry into Emirates loyalty. At Rs 1,000 fee with 1.5 Skywards Miles per Rs 100, it suits occasional Emirates flyers starting their miles journey.

Pros

  • Entry-level Emirates miles card at just Rs 1,000
  • 1.5 Skywards Miles per Rs 100 on all spends
  • Emirates Blue Tier membership included
  • 25% discount on BookMyShow (up to Rs 100)
  • 1% fuel surcharge waiver
  • 1 domestic lounge visit per quarter (on Rs 75K spend)

Cons

  • Lounge access requires Rs 75,000 quarterly spend
  • Only Blue tier membership (lowest)
  • 3.5% forex markup
  • No international lounge access

Best For

Occasional Emirates flyers and beginners

Not Ideal For

Frequent travelers needing premium benefits

Frequently Asked Questions

What is the annual fee for Emirates Skywards ICICI Rubyx?
The annual fee is Rs 1,000 plus taxes. This is the most affordable Emirates co-branded card.
How many Skywards Miles do I earn?
You earn 1.5 Skywards Miles per Rs 100 on all spends, and 1 Mile on insurance/utilities.
What Emirates tier is included?
You get Emirates Skywards Blue Tier membership, the entry-level tier in the Emirates program.
Is lounge access included?
Yes, 1 domestic lounge visit per quarter, but only if you spend Rs 75,000 in the preceding quarter.
What movie discounts are available?
25% discount up to Rs 100 on minimum 2 tickets, twice per month on BookMyShow/Inox.

User Reviews

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