TravelEntryVisa✦ Emirates

Emirates Skywards Rubyx Credit Card

Build Emirates miles on everyday spends, skip the fee at ₹3L spend

Annual fee₹1,000Waived on ₹3.0L spend

RewardsEarn Emirates Skyward miles on every ₹100 spend. 1 On International Spend. 1 On Domestic Spend. Your miles will be credited to your Emirates Skywards account at the end of the billing cycle

Forex markup3.5%3.5% on all foreign currency transactions

No longer offered

ICICI Bank is no longer accepting applications for this card. Existing cardholders continue to be served, so the fees and features below are kept here for reference. There is no application or eligibility check to offer.

Not open to new applicants · kept here for reference

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Welcome benefits

Complimentary Emirates Skywards Blue Tier Membership

Rewards

Base earn rate

Earn Emirates Skyward miles on every ₹100 spend. 1 On International Spend. 1 On Domestic Spend. Your miles will be credited to your Emirates Skywards account at the end of the billing cycle

Emirates Skywards

• Redemption fee: ₹99

Lounge access

Domestic

4visits / year

Max 1 per quarter
Requires ₹75,000 prior spend

View partner lounges →DreamFolks lounge programme →

International

Not included

Fees & charges

Joining fee: ₹1,000 + GST
Annual / renewal fee: ₹1,000 + GST
Annual fee waiver: No, the annual card charges cannot be waived. However, the complimentary Emirates Skywards Blue Tier Membership gets automatically renewed after the annual fee payment.
Add-on card fee: ₹199
Interest rate: Pay 3.75% interest per month. If only minimum due is paid: Pay 3.75% interest per month
Interest-free period: 48 days
Cash advance fee: ATM Withdrawal: Pay 3.75% interest per month
Overlimit fee: 2.5%, min ₹550
Payment dishonour: ₹500
Forex markup: 3.5% on all foreign currency transactions
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹4000 txns, max ₹50,000/cycle

Late payment

Outstanding amount	Late fee
₹0 – ₹100	₹0
₹101 – ₹500	₹100
₹501 – ₹1,000	₹500
₹1,001 – ₹5,000	₹600
₹5,001 – ₹10,000	₹750
₹10,001 – ₹25,000	₹900
₹25,001 – ₹50,000	₹1,100
Above ₹50,001	₹1,300

View official MITC →

Eligibility

Income (salaried): A salaried individual with a monthly income of ₹75,000. Self-employed individual with an annual income of at ₹9,00,000
Income (self-employed): ₹9L/year
Age: 21+ years

Employment types

SalariedSelf-Employed

Required documents