Not available via the quiz
No longer accepting new applications.
Emirates Rubyx Credit Card
ICICI Bank
No longer accepting new applications — kept in the catalog for reference only.
₹1,000
Joining fee
₹1,000
Annual fee
Non-waivable (Rs 1,000 fee) — both official and aggregator confirm no waiver exists; complimentary Emirates Skywards Blue Tier Membership provided upon joining/renewal in lieu of a waiver.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
No minimum income specified
No minimum CIBIL score required
Age: 21–60
Historical: salaried min Rs 75,000/month or self-employed min Rs 9,00,000/year per official page; aggregator states the income requirement is 'communicated during application process' (less specific)
Sources disagree: Age band: official states 21+, aggregator states 21-60.
Lounge access
4 domestic visits per year
Stated as 1 domestic lounge visit/quarter.
Condition: Rs 75,000+ spend in the preceding quarter
Per Quarter: 1
International: none offered
Key features
- 1 domestic lounge visit/quarter
- Discontinued for new applicants — ICICI is not currently accepting applications for this card
Reward details
1 Emirates Skywards Mile per Rs 100 on domestic and international spend (official); aggregator states up to 1.5% Skywards Miles on all spend including utilities and insurance — discrepancy in exact earn rate between sources, flagged
Redemption
Flight bookings, upgrades, hotel stays via Emirates and partners
- 1% fuel surcharge waiver (Rs 400-4,000 transactions, capped at Rs 250/month per aggregator); 25% BookMyShow/INOX movie discount (capped at Rs 100) twice monthly, gated by Rs 25,000+ quarterly spend; dining offers via Culinary Treats Programme; up to 10% Emirates flight discount with promo code INICI26
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Suits frequent Emirates flyers wanting a low annual fee option with rewards on categories other cards often exclude (utilities/insurance) — Paisabazaar
Complaints
- Lounge access seen as limited relative to the annual fee — 'only 1 domestic lounge access per quarter' with a high spending threshold to unlock it — Paisabazaar
Sources
- Official — discontinuation, fees, eligibility, lounge, rewards
- Aggregator — lounge, rewards, sentiment