ICICI Bank Emirates Rubyx Credit Card
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No longer offered · Earns Skyward Mile
ICICI Bank no longer offers this card. The bank’s own page says: “We are currently not accepting applications for Emirates Rubyx Credit card”.
Open alternatives
First-year fee
₹1,000 + GST
Annual fee
₹1,000 + GST
What it gives back
1 Skyward Mile per ₹100 · everyday spends
How it compares
Compared with the cards we have read
Fees
Annual feeJoining fee
₹1,000 + GST
Fee waiver rule
The annual card charges cannot be waived.
Add-on card fee
₹199.
Rewards
Reward rate
1 Skyward Mile per ₹100 · everyday spends1 Skyward Mile per ₹100 spent on all eligible retail spends.
Reward earning on international spends
Earn Emirates Skyward miles on every ₹100 spend: 1 On International Spend.
Reward exclusions
No Miles on Insurance, Utility, Government & Education payments; no reward points on Cash, Rent, E-Wallet Reload and Fuel.
Flight redemption
Redeem the miles for flight bookings, upgrades and more through Emirates and its partners.
Hotel redemption
Redeem the miles for hotel stays through Emirates and its partners.
Card benefits
Domestic lounge access
1 complimentary domestic lounge visit per quarter, available only on a spend of ₹75,000 in the preceding quarter
Hotel or travel programme
Get upto 10% Discount on Emirates flight bookings using the promo code INICI26 via Emirates.com
Dining programme
Discounts while dining out in select restaurants.
Membership tiers and what unlocks them
Complimentary Emirates Skywards Blue Tier Membership, automatically renewed after the annual fee payment.
Movie or entertainment ticket benefit
25% off up to ₹100 on movie tickets at INOX, twice a month, and on BookMyShow twice a month, on eligible spends of ₹25,000 or more in the preceding spends quarter
Also included
Fuel surcharge waiver
1% waiver on fuel transactions worth ₹400 - ₹4,000 at all fuel pumps.
Surcharge on railway tickets
1.80% of transaction value for Internet transactions and 2.50% for other bookings. For cards on American Express network: 1.80% of transaction value or ₹10 whichever is higher
Charges
Forex markup
3.50% on foreign currency transactions.
Dynamic currency conversion markup
3.5%3.5% Dynamic Currency Conversion fee on all transactions conducted in Indian currency at international locations or transactions carried out in Indian currency at merchants located in India but registered in a foreign nation (Charges w.e.f. Jan 15, 2026)
Cash advance fee
2.5% on advanced amount, subject to minimum of ₹500
Cash withdrawal limit
The Credit Limit and Cash Withdrawal Limit are communicated at the time of delivery of the Card and are indicated in the monthly statements.
Interest on unpaid balance
3.75% interest per month
Interest-free period
18 to 48 days interest-free when you pay in full.
Late payment fee
Ranging from ₹100 to ₹1300.
Over-limit fee
2.50% of the over-limit amount, subject to a minimum of ₹550
Payment return or dishonour fee
Return of cheque or Auto-Debit return: 2% of Total Amount Due (Min. ₹500)
Card replacement fee
₹200 for all cards with effect from July 1, 2024. Exception: ₹3500 for Emeralde Private Metal Credit Card and Times Black ICICI Bank Credit Card; ₹5000 for 1838 Reserve ICICI Bank Credit Card
Cash payment / cash deposit fee
A fee of ₹150 per payment transaction w.e.f. Jan 15, 2026 on cash deposited at any of the branches of ICICI Bank towards the Card payment
Education / school fee charge
A fee of 1% of the transaction amount for education payments made through third-party apps (w.e.f. Nov 15, 2024)
EMI conversion fee
Processing fee of 2.99%, capped at a maximum of ₹299 + 18% GST on all Instant EMI transactions with effect from Sep 01, 2025; processing fee of up to 2% of the transaction value on all EMI on Call transactions
Fee on online skill-based gaming spends
A fee of 2% of the transaction amount for skill-based gaming transactions (w.e.f. Jan 15, 2026)
Wallet load charge
A fee of 1% of the transaction amount for wallet load transactions of ₹5,000 or more (w.e.f. Jan 15, 2026)
Fuel transaction fee
A fee of 1% of the transaction amount for fuel transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024)
Rent transaction fee
1% fee on transaction amount.
Utility transaction fee
A fee of 1% of the transaction amount for utility payment transactions exceeding ₹50,000 (w.e.f. Nov 15, 2024)
GST note
GST may be applicable from time-to-time; presently the GST rate for banking and financial services is at 18% applicable on all fees, interest, surcharge and other charges
Grace days after the due date
Late Payment Charges will be applicable if the Minimum Amount Due is not paid by the payment due date (grace period of 3 days)
Minimum amount due
5% of the outstanding amount or such other amount as may be determined by ICICI Bank at its sole discretion.
Eligibility
Income requirement
Salaried: monthly income of ₹75,000; Self-employed: annual income of ₹9,00,000.
Minimum age
An Indian citizen over 21 years of age.
Documents required
Identity Proof, Address Proof, Income Proof.
In the terms, not the brochure (3)
Spend that unlocks lounge visits in the next period
Available only on a spend of ₹75,000 in the preceding quarter
What happens to unredeemed points if the card is closed
If the ICICI Bank Credit Card is terminated, whether voluntarily by the Primary Card Member or by the Bank, the Card Member will immediately cease to be eligible for earning reward points or cashback. All unused or unredeemed reward points or cashback shall automatically be forfeited immediately after voluntary or involuntary cancellation.
Whether carrying a balance ends the interest-free period
No interest free period if the Total Amount Due is not paid by the payment due date + 3 days grace.