Emirates Skywards ICICI Bank Rubyx Credit Card Review

The emirates skywards icici bank rubyx credit card is a newer addition to the Indian travel credit cards list. While this card comes with an annual fee of Rs.1000 as an annual fee, this emirates credit card offers; useful skyward points on every transaction, free access to airport lounges, attractive deals on dining and movies, and lots more. In the launching event, ICICI Bank said that this card is going to be the perfect choice for regular fliers. Now let’s dive in to see how beneficial this icici credit card is going to be. 

Who can apply for the Emirates Skywards icici rubyx credit card?

  • Resident Type: Indian
  • For salaried person:
    • Age: 21 to 60 years. 
    • Income: The average income of the applicant should be greater than Rs.45,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 years. 
    • Income: The average income of the applicant should be greater than Rs.60,000 monthly.
  • A long relationship with the bank will help you to get this emirates credit card more easily.
  • An excellent credit score (760 or more) is mandatory to apply for this ICICI emirates co-branded credit card

As you submit your icici credit card application, you will get a unique application id. You can use that to track your icici credit card application status.

What documents are required to apply for the ICICI emirates skywards credit card

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR(Income Tax Return) 
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

Due to the new rbi regulations, all new credit cards are delivered in an inactive state. The users can activate them manually by generating a new PIN. You can find more about the icici bank credit card pin generation process from our ICICI credit card faq page.

What are the emirates skywards icici bank rubyx credit card fees?

  • Emirates icici rubyx credit card joining fees: Rs. 1000 + GST
  • Emirates icici rubyx credit card annual fee: Rs. 1000 + GST

What are the emirates skywards icici bank rubyx credit card benefits?

  • Get rewarded for every transaction you make:

For every Rs.100 transaction, you make using this card, you will get 1.5 Skywards miles. You can use those points to book flight tickets or to get a product from the emirates skywards icici bank rubyx credit card reward points catalog. You can check the status of your earned travel points from your icici credit card app.

  • Enjoy free access to domestic airport lounges:

This card gives you 1 free quarterly access to most of the premium domestic airport lounges. Click here to find the emirates skywards icici bank rubyx credit card lounge list

  • Enjoy a premium dining experience with attractive deals on dining bills:

Under the Culinary Treats program, this emirates airlines credit card offers you some unmatched benefits on dining expenses. Click here to find more about the current offerings.

  • Make your evenings more delightful with attractive deals on movie tickets:

If you use this emirates skywards credit card to book up to 2 movie tickets from BookMyShow and Inox, you will get a 25% discount (max Rs.100/transaction) on your booking value. You can get this offer two times an icici credit card billing cycle

  • Get freedom from fuel surcharges:

If you use this card to purchase fuel at any fuel station in India, you will get a 1% waiver on fuel surcharges. This emirates credit card offer is applicable on transactions between Rs.400 to Rs.4,000 and you can earn a maximum of Rs. 250 waiver in a icici credit card statement cycle. 

  • Security of the advanced EMV chip:

This ICICI emirates visa credit card is armed with the new and improved EMV chip. These chips use a very strong encryption method to store your data, making your card nearly impossible to clone.

  • Pay your monthly credit card bills easily with convenient bill payment options:

You can make your icici credit card payment online from your net banking account or from your ICICI credit card mobile app. You can also use any icici bank credit card payment app like Cred, Google Pay, Paytm, Phone Pe, etc. 

  • Pay more easily with the convenient contactless payment option:

This ICICI emirates credit card is equipped with an advanced contactless payment facility. This feature allows you to make payments just by placing your card over any contactless-enabled POS machine. You can control the contactless emirates credit card payment option from your icici credit cards net banking account.

What are the emirates skywards icici bank rubyx credit card charges?

Particulars

Payable amount

ICICI credit card cash withdrawal charges 2.50% against the transaction amount, min Rs.500 (Check your available icici credit card withdrawal limit before making a withdrawal)
ICICI credit card finance charges Can go up to 3.40% monthly or 40.80% annually.
ICICI credit card international transaction charges The icici credit card interest rate can go up to 3.50% against the transaction amount. 
ICICI credit card add on card fee. None. 

How to contact the icici bank credit card customer care department?

  • Call the icici credit card customer care number: 1860-120-7777 / 022-3366-7777 or +91-40-7140-3333
  • You can also write to the icici credit card customer care email id: headservicequality@icicibank.com 

If you find something suspicious on your icici bank credit card statement, then you can file a dispute against that particular transaction. You can find the icici credit card transaction dispute form here.

100xGain Ratings:

7/10

Pros and Cons of this icici bank emirates credit card:

Pros

Cons

  • You can earn travel points with every card swipe.
  • You will also get free access to domestic airport lounges.
  • Also, this emirates credit card offers a handsome waiver on fuel surcharges.
  • This emirates airlines credit card does not feature any travel booking benefits.
  • The lounge access benefits are only applicable at domestic airport lunges.

Final Opinion:

If you are a regular flier with Emirates airlines, then having this ICICI emirates airline credit card can earn you handsome monthly/annual savings. The most attractive part is the Skyward points which can later be used for travel booking. 

But this card lacks in some departments, for example, it does not offer any flight booking benefits and there are no shopping benefits on this card. But again, if you are a regular flier then this ICICI emirates co-branded credit card can be helpful for you. Otherwise, if you are looking for some alternative options then you can take a look at our top credit card pages

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