ICICI Bank Emirates Rubyx Credit Card

Lounge access

• 1 complimentary domestic airport lounge access per quarter, unlocked by spending ₹75,000 in the preceding calendar quarter (w.e.f. Jul 01, 2026 the spend threshold of ₹75,000 in a calendar quarter applies).
• No international lounge access.

Verified · harvested from product page · 2026-08-03 · source

Forex markup

• Foreign currency transactions mark-up of 3.50%.
• A refund initiated by the customer on similar Foreign Currency transactions will also attract a 3.5% mark-up fee.

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers Emirates Skywards Rubyx; last updated Jul 2, 2026) · 2026-08-03 · source

Charge

• Finance charges 3.75% per month (45% p.a.).
• APR same for retail purchases, balance transfer, cash advances, non-payment of minimum due, late payment.
• Cash advance transaction fee 2.5% on advanced amount, min ₹500.
• Card replacement fee ₹200 (w.e.f. Jul 1, 2024).
• Dynamic Currency Conversion fee 3.5% (w.e.f. Jan 15, 2026, up from 1%).
• Rent Pay 1% of transaction.
• Fuel Transaction fee 1% on transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024).
• Utility Transaction fee 1% on transactions exceeding ₹50,000 (w.e.f. Nov 15, 2024).
• Transportation Transaction fee 1% on transactions exceeding ₹50,000 (w.e.f. Jan 15, 2026).
• Education Payment fee 1% for payments via third-party apps (w.e.f. Nov 15, 2024).
• Skill-Based Gaming fee 2% (w.e.f. Jan 15, 2026).
• Wallet Load fee 1% on transactions of ₹5,000 or more (w.e.f. Jan 15, 2026).
• Over-limit charges 2.50% of over-limit amount, min ₹550.
• Fee on cash payment at branches ₹150 per payment transaction (w.e.f. Jan 15, 2026, up from ₹100).
• Late Payment: None below ₹100.
• ₹100 (₹100-500).
• ₹500 (₹501-1,000).
• ₹600 (₹1,001-5,000).
• ₹750 (₹5,001-10,000).
• ₹900 (₹10,001-25,000).
• ₹1,100 (₹25,001-50,000).
• ₹1,300 (above ₹50,000).
• Return of cheque / Auto-Debit return fee 2% of Total Amount Due, min ₹500 (plus ₹50 + GST).
• GST 18%.

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers Emirates Skywards Rubyx; last updated Jul 2, 2026) · 2026-08-03 · source

Interest-free period

• Interest-free period could range from 18 to 48 days.
• Grace period of 3 days after the payment due date.

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers Emirates Skywards Rubyx; last updated Jul 2, 2026) · 2026-08-03 · source

Fuel surcharge waiver

• Fuel surcharge waiver of 1% of transaction value on HPCL petrol pumps (max transaction ₹4,000 on ICICI Merchant Services swipe machines) and 1% on all petrol pumps on select cards.
• Applicable for spends up to ₹50,000 per statement cycle (w.e.f. Nov 15, 2024).

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers Emirates Skywards Rubyx; last updated Jul 2, 2026) · 2026-08-03 · source

Milestone benefit

BookMyShow complimentary movie/event tickets offer: spend ₹25,000 or more on the Emirates Rubyx Credit Card within the preceding spends quarter to be eligible in the following calendar quarter (w.e.f. Apr 1, 2026).

Verified · ICICI Bank Emirates Rubyx Credit Card product page · 2026-08-03 · source

Redemption value

• Redemption Handling Fee ₹99 for ICICI Bank Rewards Scheme.
• Reward points have expiry of 36 months from date of issuance.
• Reward points credited within 5 working days from statement generation date.
• Skywards Miles are valid for 3 years from the date of the relevant flight or Partner transaction.

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers Emirates Skywards Rubyx; last updated Jul 2, 2026) · 2026-08-03 · source

Reward cap

• Utility spend capped at ₹80,000.
• Insurance spend capped at ₹80,000.
• Grocery and Departmental spend capped at ₹40,000 per statement cycle (w.e.f. Nov 15, 2024).
• Transportation transaction capped at ₹20,000 per statement cycle (w.e.f. Feb 01, 2026).

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers Emirates Skywards Rubyx; last updated Jul 2, 2026) · 2026-08-03 · source

Reward exclusion

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers Emirates Skywards Rubyx; last updated Jul 2, 2026) · 2026-08-03 · source

Transfer rule

• Skywards Miles are credited to the Primary Cardholder's Emirates Skywards Membership Account within 48 hours of the statement generation date.
• Supplementary cardholders' earned Miles also credit to the Primary Cardholder's account.
• Skywards Miles can be earned up to the credit limit assigned per statement cycle.
• Miles are valid for 3 years and are not earned on reversed transactions.

Verified · harvested from product page · 2026-08-03 · source

Travel benefit

Up to 10% discount on Emirates flight bookings using promo code INICI26 at www.emirates.com or the Emirates App, paid with the Emirates Skywards ICICI Bank Rubyx Credit Card (valid for bookings 15 Apr 2026 to 28 Feb 2027, travel originating from India).

Verified · ICICI Bank Emirates Rubyx Credit Card product page · 2026-08-03 · source

Eligibility

• Facility (Personal Loan on Credit Card) available only to a customer pre-approved by ICICI Bank.
• Approval at sole discretion of ICICI Bank.

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers Emirates Skywards Rubyx; last updated Jul 2, 2026) · 2026-08-03 · source

Official terms

https://www.icici.bank.in/personal-banking/cards/credit-card/emirates-skywards/emirates-rubyx.

Verified · ICICI Bank Emirates Rubyx Credit Card product page · 2026-08-03 · source