Emirates Skywards ICICI Bank Rubyx Credit Card

₹1,180 plus GST, with no published spend-based waiver.

The strongest published rate is 1% on everything else, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.

Yes. The issuer publishes no additional spend condition for this card's lounge access.

Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.

The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.

ICICI Bank publishes about ₹75,000 a month for salaried applicants, and it is usually issued above a 750 credit score. Meeting the criteria is not an approval — the issuer decides.

Redeemed through the issuer's rewards programme as published on the card's product page

You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.

Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?

A late payment fee and interest will be charged. Missing payments can also impact your credit score.

No. ICICI Bank states that the annual card charges cannot be waived, which makes this the only card in our catalogue with no waiver route at any spend level. The Rs. 1,000 plus GST — Rs. 1,180 — is payable every year, so the Skywards Blue tier and the miles have to be worth that much to you.

1 Skywards Mile for every Rs. 100 spent, on both domestic and international transactions. Earning on domestic spending is worth noting — airline co-brands often restrict the rate to their own bookings — but 1 mile per Rs. 100 is a thin rate for a paid travel card.

One complimentary domestic airport lounge visit a quarter for the primary cardholder, and only if eligible spending reached Rs. 75,000 or more in the preceding quarter. There is no international lounge access, which is an odd gap on a card co-branded with an international airline.

Blue is the entry tier of the Emirates Skywards programme, so the status itself carries few benefits beyond mile accrual and the ability to book reward flights. Its value here is as a starting point: the card keeps the membership alive automatically while the fee is paid, which saves it lapsing between trips.

Applicants over 21, with a monthly income of Rs. 75,000 if salaried or an annual income of Rs. 9,00,000 if self-employed. That income bar is high relative to the Rs. 1,180 fee, which is the card's real gate.

ICICI Bank also issues the Emirates Skywards Sapphiro and Emeralde cards at higher fees, with stronger mile rates and real lounge allowances. If you fly Emirates often enough for the tier to matter, those are the variants to compare; the Rubyx is the entry point.