Emirates Skywards ICICI Bank Rubyx Credit Card: Features & Benefits

Summary

Those who fly Emirates Airlines in particular would find the Emirates Skywards ICICI Bank Rubyx Credit Card to be a suitable choice. Frequent travelers would On numerous types of transactions, including hotel stays, plane tickets, seat upgrades, and more, it allows cardholders to build Skywards Miles.

For each 100 spent on Emirates flights, users of this card get 1 Mile every ₹100 on domestic purchasing, and 2.5 Miles every ₹100 on overseas buying. New members additionally get 2,500 Skywards Miles as a welcome reward after paying the membership cost.

The card entitles travelers to two free domestic lounge visits every quarter and one free overseas lounge visit through the Dreamfolks program. This ensures good airport travel. Further advantages are discounts on luxury hotels, restaurants, and unusual Emirates ticket packages.

Introduction

If you are one of those who travel frequently and especially like to fly with Emirates Airlines, then ICICI Rubyx Credit Card can prove to be a great option for you. ICICI Bank Rubyx Credit Card not only offers you many benefits in air travel but also gives you a chance to earn Emirates Skywards Miles on every expense.

Designed especially for people who wish to savor premium services and perks, ICICI Rubyx Credit Card Using ICICI Rubyx Credit Card offers you access to travel insurance, special discounts, and airport lounge facilities. Apart from this, ICICI Rubyx Credit Card benefits your regular transactions.

With the credit card, you can make your travel with Emirates Airlines even more special. With its different variants like Emirates Skywards Gold, Platinum, and Signature Cards, you can choose the facilities as per your budget.

In today’s article, we will discuss in detail about ICICI Rubyx Credit Card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of ICICI Rubyx Credit Card in this article and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not face any problems later.

What is the Emirates Skywards ICICI Bank Rubyx Credit Card?

The credit card is a premium credit card designed specifically for those who wish to make their air travel more rewarding and comfortable. The ICICI Rubyx Credit Card also allows you to earn Skywards Miles on every flight booking you make with Emirates Airlines.

With the ICICI Rubyx Credit Card, you also get several premium benefits such as complimentary airport lounge access, travel insurance, and global assistance services. Through its different variants like Emirates Skywards Platinum, Signature, and Gold Credit Cards, you can avail of different features as per your needs and budget.

How is the Emirates Skywards ICICI Bank Rubyx Credit Card designed?

Designed for regular travelers looking to accrue Skywards Miles on their purchases, the Emirates Skywards ICICI Rubyx Credit Card looks great and provides conveniences such as eating rights, travel discounts, and access to airport lounges. 

Regular purchases and Emirates airline tickets let cardholders accrue extra miles. For those who enjoy traveling in style, the card also offers savings on luxury services and free access to airport loungers.

What are the benefits of the Emirates Skywards ICICI Bank Rubyx Credit Card?

These are the main advantages along with actual reward points:

1. Skywards Miles on Consumption

• 5 Skywards Miles for every ₹100 spent on Emirates flights.

• 2.5 Skywards Miles per ₹100 spent on overseas purchases.

• One Skywards Mile for every ₹100 spent on household goods.

2. Welcome Bonus

• 2,500 Skywards Miles on joining (after the joining fee is paid).

3. Access to Airport Lounge

• Two complimentary domestic lounge trips every quarter through Dreamfolks run by ICICI Bank.

• One yearly free international lounge visit.

4. Travel and Food Benefits

• Discounts on first-rate dining experiences and lodging.

• Exclusive offers on Emirates flights.

5. Extra Benefits

• 1% gasoline surcharge waived at petrol stations throughout India.

• Low international transaction forex markup cost.

What are the fees for the Emirates Skywards ICICI Bank Rubyx Credit Card?

Here is a simple Credit Card fee breakup.

Joining Fee	₹999 + GST (one-time fee when you get the card).
Annual Fee	₹999 = GST per year. This will be waived if you spend 1,00,000 or more in a year.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an Emirates Skywards ICICI Bank Rubyx Credit Card?

The following are the primary requirements:

1. You must be between 18 and 70 years old to apply for the Emirates Skywards ICICI Rubyx Credit Card.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 2 lakhs usually does the job.

3. A secured income ensures regular, timely payments on the credit card bill. Any amount above it increases the probability of approval.

4. Your credit score plays a role in the selection process. It is a tendency for ICICI Bank to favor borrowers with a better credit score usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an Emirates Skywards ICICI Bank Rubyx Credit Card?

The documents that you will have to submit to Get a Emirates Skywards ICICI Rubyx Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Emirates Skywards ICICI Bank Rubyx Credit Card be used?

Here is the list of places where you can use it:

• With the Emirates Skywards ICICI Rubyx Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  Emirates Skywards ICICI Rubyx Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  Emirates Skywards ICICI Rubyx Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Emirates Skywards ICICI Bank Rubyx Credit Card?

The credit amount you can spend is what you are provided with an Emirates Skywards ICICI Rubyx Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an aaEmirates Skywards ICICI Bank Rubyx Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the ICICI Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by ICICI Bank; for instance, you can choose the  Emirates Skywards ICICI Rubyx Credit Card.

• Just hover your cursor on the  Emirates Skywards ICICI Rubyx Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest ICICI Bank branch to apply for the  Emirates Skywards ICICI Rubyx Credit Card.

• Request for the credit card application form for the  Emirates Skywards ICICI Rubyx Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  Emirates Skywards ICICI Rubyx Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the ICICI Bank Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an Emirates Skywards ICICI Bank Rubyx Credit Card in 2025 be right?

Yes, getting an Emirates Skywards ICICI Bank Rubyx Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

ICICI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

In conclusion, the ICICI Rubyx Credit Card can prove to be an excellent choice for travelers who wish to make their air travel comfortable, rewarding, and luxurious. ICICI Rubyx Credit Card not only allows you to earn Emirates Skywards Miles on every flight booking but also lets you use it in various ways to make your travel more economical.

In addition, the exclusive features that come with the ICICI Rubyx Credit Card such as airport lounge access, travel insurance, and other special services make your travel comfortable and secure. ICICI Rubyx Credit Card offers benefits not only for air travel but also for everyday shopping, dining, and other expenses.

By using several varieties of ICICI Rubyx Credit Card (Platinum, Signature, Gold), you may select the ideal one depending on your requirements and budget. ICICI Rubyx Credit Card features something unique for everyone regardless of your regular or occasional travel frequency.

Frequently Asked Questions (FAQ’s)