Emirates Skywards ICICI Bank Rubyx Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Earn up to 1.5 Skyward Miles for every Rs. 100 spent. Redeem Skyward Miles for travel-related bookings on Emirates.com. Enjoy complimentary access to domestic airport lounges. Get a 25% discount on movie ticket bookings through BookMyShow. Discover exciting discount offers and deals on dining. Enjoy a 1% waiver on fuel surcharge.

The Emirates Skywards ICICI Bank Rubyx Credit Card is a travel-focused credit card that offers a range of benefits suited for frequent travelers.

With a joining fee of Rs. 1,000 + GST and a renewal fee of Rs. 1,000 + GST, it provides good value for those who regularly fly with Emirates.

One of the key features of this credit card is its reward program.

Cardholders earn Reward Points on their purchases, with 1.5 Skyward Miles for every retail spend of Rs. 100 and 1 Skyward Mile for every spend of Rs. 100 on utility and insurance.

These accumulated miles can be redeemed for a variety of travel-related rewards.

For movie enthusiasts, the card offers a 25% discount up to Rs. 100 on movie tickets booked via BookMyShow.

Additionally, cardholders can enjoy exclusive discount offers on dining, making it a great companion for foodies.

Travel perks include complimentary domestic lounge access with the dreamfolks membership.

Furthermore, by spending Rs. 5,000 or more in the previous quarter, cardholders are eligible for 1 complimentary domestic lounge access every quarter.

While the credit card does not offer international lounge access or golf benefits, it compensates with other appealing features.

Insurance benefits are not included, and there is no spend-based waiver available.

A notable advantage of this card is the absence of a rewards redemption fee.

This means that cardholders can redeem their hard-earned miles without any extra charges.

However, it is important to note that the Emirates Skywards ICICI Bank Rubyx Credit Card does come with a foreign currency markup of 3.5% on all foreign currency spends.

The interest rate stands at 3.4% per month, which is relatively standard for credit cards in India.

Fuel transactions are also made more convenient, with a 1% fuel surcharge waiver applicable to all fuel stations in India.

Cash advances are possible with this card, although a fee of 2.5% of the withdrawn amount, subject to a minimum of Rs. 500, is imposed.

In summary, the Emirates Skywards ICICI Bank Rubyx Credit Card is a solid choice for those who travel frequently and want to earn rewards on their everyday purchases.

Its benefits, including movie and dining discounts, lounge access, and rewards redemption, make it particularly appealing to jetsetters.