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Emirates Skywards ICICI Bank Rubyx Credit Card
ICICI Bank
Joining Fee₹1,000Renewal Fee₹1,000
Last verified: 25 Sept 2026
Reward Program
Emirates Skywards Miles1 point = ₹0.50
Redemption fee: 99
🔁
Managed via ICICI Bank Rewards, iMobile Pay
Transfer partners
Redemption through Emirates Skywards for award flights, upgrades and partner awards. Emirates publishes no rupee rate.
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Benefits
🛋️
Lounge Access
1 domestic visits/quarter
0 international visits/quarter
1 complimentary domestic airport lounge access per quarter.
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Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions from ₹400 to ₹4,000. Fuel itself earns NO Reward Points from 15 January 2026, and ICICI charges 1% on fuel transactions above ₹10,000.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹1,000/yr |
| Renewal Fee | ₹1,000/yr |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn, subject to a minimum of ₹500. |
| Reward Redemption Fee | 99 |
