Question 1

What is the annual fee on the Skywards Rubyx Credit Card and how do you get it waived?

Accepted Answer

The Skywards Rubyx Credit Card charges ₹1,000 plus GST as a joining fee and the same ₹1,000 again at renewal. There is no spend based waiver on this card, so the ₹1,000 is a fixed yearly cost you pay regardless of how much you spend.

Question 2

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

Accepted Answer

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.

Question 3

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

Accepted Answer

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.

Question 4

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

Accepted Answer

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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Emirates Skywards Rubyx Credit Card

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