{"id":83114,"date":"2025-12-12T17:31:14","date_gmt":"2025-12-12T12:01:14","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=83114"},"modified":"2025-12-12T17:31:18","modified_gmt":"2025-12-12T12:01:18","slug":"icici-emirates-rubyx-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/icici-emirates-rubyx-credit-card\/","title":{"rendered":"Your Guide to the ICICI Emirates Rubyx Credit Card"},"content":{"rendered":"\n<p>The ICICI Emirates Rubyx Credit Card is the base variant in the Emirates Skywards co-branded range. It suits users who want steady travel rewards without a high fee. You earn up to 1.5 Skywards Miles on both international and domestic spends. These miles convert into flights, upgrades, hotel stays, and partner rewards through Emirates.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#icici-emirates-rubyx-credit-card-benefits\">ICICI Emirates Rubyx Credit Card Benefits<\/a><\/li><li><a href=\"#icici-emirates-rubyx-credit-card-charges\">ICICI Emirates Rubyx Credit Card Charges<\/a><\/li><li><a href=\"#reward-structure-for-icici-emirates-rubyx-credit-card\">Reward Structure for ICICI Emirates Rubyx Credit Card<\/a><\/li><li><a href=\"#who-can-apply-for-the-icici-emirates-rubyx-credit-card\">Who Can Apply for the ICICI Emirates Rubyx Credit Card?\u00a0<\/a><\/li><li><a href=\"#conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"icici-emirates-rubyx-credit-card-benefits\"><strong>ICICI Emirates Rubyx Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/ICICI-Rubyx-Benefits-1024x682.jpg\" alt=\"ICICI Emirates Rubyx Credit Card Benefits\" class=\"wp-image-83126\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/ICICI-Rubyx-Benefits-1024x682.jpg 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/ICICI-Rubyx-Benefits-300x200.jpg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/ICICI-Rubyx-Benefits-150x100.jpg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/ICICI-Rubyx-Benefits-768x512.jpg 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/ICICI-Rubyx-Benefits.jpg 1075w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>You earn up to 4% cashback on iShop. You receive travel and lifestyle savings across key categories. These benefits create a strong base for regular users.<\/p>\n\n\n\n<p>Core Benefits:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The ICICI Emirates Rubyx Credit Card Lounge Access benefit unlocks domestic lounges each quarter after you cross \u20b975,000 in spending.<\/li>\n\n\n\n<li>You get 25% off on BookMyShow and INOX tickets, twice a month, with a cap of \u20b9100. Dining discounts add quick value at partner outlets.<\/li>\n\n\n\n<li>Fuel spends between \u20b9400 and \u20b94,000 qualify for a 1% surcharge waiver. These features make the card suitable for moderate travel and daily use.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"icici-emirates-rubyx-credit-card-charges\"><strong>ICICI Emirates Rubyx Credit Card Charges<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td colspan=\"2\"><strong>Charges<\/strong><\/td><\/tr><tr><td><strong>Joining and Annual Fee<\/strong><\/td><td colspan=\"2\">\u20b91000 + GST<\/td><\/tr><tr><td><strong>Card Replacement Charges<\/strong><\/td><td colspan=\"2\">\u20b9200<\/td><\/tr><tr><td><strong>Finance Charges<\/strong><\/td><td colspan=\"2\">3.75% (monthly); 45% (annually)<\/td><\/tr><tr><td><strong>Overlimit Charges<\/strong><\/td><td colspan=\"2\">2.50%; (min. \u20b9550)<\/td><\/tr><tr><td rowspan=\"8\"><strong>Late Payment Fees<\/strong><\/td><td>&lt;\u20b9100<\/td><td>NIL<\/td><\/tr><tr><td>\u20b9100 &#8211; \u20b9500<\/td><td>\u20b9100<\/td><\/tr><tr><td>\u20b9501 &#8211; \u20b91,000<\/td><td>\u20b9500<\/td><\/tr><tr><td>\u20b91,001 &#8211; \u20b95,000<\/td><td>\u20b9600<\/td><\/tr><tr><td>\u20b95,001 &#8211; \u20b910,000<\/td><td>\u20b9750<\/td><\/tr><tr><td>\u20b910,001 &#8211; \u20b925,000<\/td><td>\u20b9900<\/td><\/tr><tr><td>\u20b925,001 &#8211; \u20b950,000<\/td><td>\u20b91,100<\/td><\/tr><tr><td>&gt;\u20b950,000<\/td><td>\u20b91,300<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>For further details regarding charges that come along with ICICI Bank Credit Cards, you can check their <a href=\"https:\/\/www.icici.bank.in\/content\/dam\/icicibank\/india\/managed-assets\/revamp-page-images\/docs\/pdf\/mitc_cc.pdf\" target=\"_blank\" rel=\"noopener\">Most Important Terms and Conditions<\/a> PDF.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"reward-structure-for-icici-emirates-rubyx-credit-card\"><strong>Reward Structure for ICICI Emirates Rubyx Credit Card<\/strong><\/h2>\n\n\n\n<p>With this card, you earn Emirates Skywards Miles every time you spend, whether in India or overseas. For every \u20b9100 spent, you receive:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1.5 Skywards Miles on international transactions<\/li>\n\n\n\n<li>1.5 Skywards Miles on domestic purchases<\/li>\n<\/ul>\n\n\n\n<p>All accumulated miles are automatically credited to your Emirates Skywards account at the end of each billing cycle, making it easy to redeem them for flights, upgrades, and exclusive travel rewards.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"who-can-apply-for-the-icici-emirates-rubyx-credit-card\"><strong>Who Can Apply for the ICICI Emirates Rubyx Credit Card?&nbsp;<\/strong><\/h2>\n\n\n\n<p>To begin with, you need to be an Indian citizen, aged 21 or above. Moreover, a salaried applicant must earn \u20b975,000 per month, while a self-employed applicant must have an annual income of \u20b99,00,000.<\/p>\n\n\n\n<p>\ud83d\udca1Pay your credit card bills in an easy and secure way with<a href=\"https:\/\/piceapp.com\/\"> the PICE App<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>The ICICI Emirates Rubyx Credit Card is a practical option for travellers seeking steady Skywards Mile earnings without high fees. With lounge access, movie and dining discounts, and useful daily spend benefits, it balances travel and lifestyle value. Its reasonable eligibility criteria make it suitable for moderate users wanting reliable rewards.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1765539247071\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the main benefit of the ICICI Emirates Rubyx credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It offers steady Skywards Miles on all spends, along with lifestyle perks.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765539296599\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How many miles do I earn per \u20b9100 spent?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You earn 1.5 Skywards Miles on both domestic and international transactions.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765539409682\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Do miles get credited automatically?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, all earned miles are auto-credited to your Emirates Skywards account monthly.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765539431864\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is lounge access included?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, domestic lounge access is available each quarter after spending \u20b975,000.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765539474314\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Who is eligible to apply?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Indian citizens aged 21+ with \u20b975,000 monthly income (salaried) or \u20b99 lakh annual income (self-employed).<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>The ICICI Emirates Rubyx Credit Card is the base variant in the Emirates Skywards co-branded range. It suits users who want steady travel rewards without a high fee. You earn up to 1.5 Skywards Miles on both international and domestic spends. These miles convert into flights, upgrades, hotel stays, and partner rewards through Emirates. ICICI [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":83122,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-83114","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83114","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=83114"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83114\/revisions"}],"predecessor-version":[{"id":83127,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83114\/revisions\/83127"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/83122"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=83114"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=83114"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=83114"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}