ICICI Bank
ICICI Emirates Skywards Rubyx Credit Card
This is an invite only card
Top Benefits
Enjoy 1 Complimentary Domestic Airport Lounge
Visit Every Quarter, Unlocked by spending ₹75,000 in the preceding calendar quarter
Get 25% Off up to ₹100 on Movie Tickets
Twice a Month, Available separately on BookMyShow and on INOX eligibility requires spends of ₹25,000 or more in the preceding spends quarter
Best For
Shopping
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹1,180 ( ₹1000 + GST )
Annual Fees
₹1,180 ( ₹1000 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
9LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- complimentary Emirates Skywards Blue Tier membership on payment of the joining fee
- up to 10% discount on Emirates flight bookings via Emirates.com or the Emirates App using promo code INICI26
- 1 complimentary domestic airport lounge visit per calendar quarter on spends of ₹75,000 in the preceding calendar quarter
- 25% off up to ₹100 on movie tickets twice a month, separately on BookMyShow and INOX
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Points = ₹0.25
Redemption Options
- Flight & Hotel Bookings
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
ATM Withdrawal
Cash Advance
EMIs
Balance Transfer
Personal Loan
Insurance Payments
Utility Bills
Government Spends
Education Payments
Rent
E-Wallet Loading
For Spends Waiver
Fuel
ATM Withdrawal
Cash Advance
EMIs
Balance Transfer
Personal Loan
Insurance Payments
Utility Bills
Government Spends
Education Payments
Rent
E-Wallet Loading
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.75% per month 45% per annum apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable | 2.5% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of 2% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees A fee of ₹150 per payment transaction is levied when the credit card bill is paid in cash at the branch | ₹150 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0–₹100 | ₹0 |
| ₹100–₹500 | ₹100 |
| ₹501–₹1,000 | ₹500 |
| ₹1,001–₹5,000 | ₹600 |
| ₹5,001–₹10,000 | ₹750 |
| ₹10,001–₹25,000 | ₹900 |
| ₹25,001–₹50,000 | ₹1,100 |
| Above ₹50,000 | ₹1,300 |
That’s the full story of this credit card
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Top Benefits
Top Benefits
Enjoy 1 Complimentary Domestic Airport Lounge
Visit Every Quarter, Unlocked by spending ₹75,000 in the preceding calendar quarter
Get 25% Off up to ₹100 on Movie Tickets
Twice a Month, Available separately on BookMyShow and on INOX eligibility requires spends of ₹25,000 or more in the preceding spends quarter
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