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ICICI Bank

Emirates Skywards ICICI Bank Rubyx Credit Card

Closed to new applications. The cheapest way into Skywards Miles while it lasted, at one mile per ₹100 and lounge access that had to be earned quarterly.

Joining fee
₹1,000
Annual fee
₹1,000
Status
Closed
Verified
21 August 2026

Fees

Joining fee
₹1,000
Annual fee
₹1,000
Forex markup
3.5%
Monthly finance charge
3.75%

Rewards

miles

  • international: 1 points / ₹100
  • everything-else: 1 points / ₹100Domestic spends

Credited to your Emirates Skywards account. No rupee value is published for Skywards Miles.

Travel

Forex markup
3.5%

Domestic lounge access conditional on ₹75,000 of spend in the previous quarter. ICICI states no number of visits.

Eligibility

Minimum age
21 years
Minimum monthly income
₹75,000
Employment
salaried, self-employed

Why this card may suit you

  • Review the fees, rewards, and eligibility above against your own spending pattern — this card has no single standout feature over the rest of the portfolio.

Source & Verification

Verified from official issuer sources. Last verified 21 August 2026

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An entry-level card whose real value is the lounge and cinema benefits, not the rewards. The reward points earn into a goods catalogue with no published rupee value, so treat the rate as unknown rather than as cashback.

Joining
₹500
Annual
₹500
Base reward
0.8% everything else
Forex
3.5%
Lounge
1/qtr domestic lounge