What is the reward rate on the Skywards Rubyx Credit Card?

You earn 1 point per ₹100 on International Spend. Everything else earns 1 point per ₹100. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 100 points, roughly ₹25, which is about 0.25% back.

Does the Skywards Rubyx Credit Card give free airport lounge access?

The Skywards Rubyx Credit Card gives 1 complimentary domestic lounge visits a year. Access is not automatic any more, because you need ₹75,000 of spend in the previous quarter before the visits become available, which is ₹25,000 a month.

What changed on the Skywards Rubyx Credit Card recently and is it still worth it in 2026?

Earn cut to 1 Mile/₹100; no miles on insurance/utility/govt/education; ICICI Nov 2024 cuts; Amex-variant cashback revoked (Jan 2025). The changes are dated Jan 15, 2026. At ₹3L of yearly spend the card returns roughly ₹3,000 at its general rate of about 1%, against a ₹1,000 renewal fee. That clears the fee, but not by much, so it is worth keeping only while your spending stays in the accelerated category.

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Card Details

5378 1189 9702 4974

Emirates Skywards Rubyx Credit Card

ICICIVISA

Monzy Score

4/ 10

Weak for lounge-hungry travellers.

High 3.5% forex markup.

Card Issuer

ICICI Bank

Joining Fee

₹3,000

Annual Fee

₹2,000

Reward Type

—

Card Access

Standard

Changes to this card

15 Aug 2026
Movie benefits eligibility and cashback revocation for the Emirates Skywards Rubyx Credit Card were updated.

Offers from ICICI Bank

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Earn Points

1pts

/₹100 on International Spend

1pts

/₹100 on Domestic Spend

2.5

Skywards Miles/₹100 Spent on Emirates Flights

1.5

Skywards Miles/₹100 Spent Internationally

Benefits

Dining

Partner Restaurant Discounts via Culinary Treats

Fuel

1% Fuel Surcharge Waiver at Hpcl

Insurance

₹75L Air Accident Insurance

Flights

2.5 Skywards Miles/₹100 on Emirates

Forex

1.5 Skywards Miles /₹100 Internationally

Shopping

1 Skywards Mile/₹100 on Domestic

Entertainment

Up to ₹500 Off 2Nd Movie Ticket Bookmyshow

Golf

2 Complimentary Golf Rounds Monthly

Concierge

24X7 Concierge for Bookings & Lifestyle

Lounges

1 Domestic Lounge Visit/Quarter

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: insurance, utility, government, education, fuel, rent

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Domestic & international retail spends

1 Skywards Mile per Rs.100 (reduced effective 15 Jan 2026); no miles on insurance/utility/government/education

₹90

Total Annual Return

₹1,080

0.3% Effective ROI

What Users Are Saying

Community Feed

Jul 2025

Emirates Skywards Rubyx Credit Card

Changes to this card

Offers from ICICI Bank

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Emirates Skywards Rubyx Credit Card

Changes to this card

Offers from ICICI Bank

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Emirates Skywards Rubyx Credit Card

Changes to this card

Offers from ICICI Bank

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions