Emirates Skywards Rubyx Credit Card
MyRupaya Ratings
Product Details
Credit Card Name :
Emirates Skywards Rubyx Credit Card
Bank Name :
ICICI Bank
Type :
Travel Credit Card
Interest Rate :
Interest Rate: 3.67% per month (annual interest rate - 44%).
Eligibility :
Age: You must be a minimum of 21 years old for primary cardholder (18 years old for supplementary cardholders).
Employment: You must be either self-employed or salaried.
Credit Score: You must have a good credit score. This means no recent defaults or delinquencies on loans or credit cards.
Pros
Reward System: Users can earn up to 1.5 Skywards Miles per INR 100 on all categories. These Skyward Miles can be used for the purposes of booking Emirates tickets.
1 free domestic lounge access per quarter.
Users can avail 25% discount up to INR 100 on the purchase of a minimum of two tickets, up to twice in a month, on BookMyShow and Inox.
Cons
Card offers cashback only in form of Skyward Miles.
Card offers limited value add benefits.
No free movie tickets.
Pros & Cons
Welcome Benefits
None
Rewards System
Users can earn up to 1.5 Skywards Miles per INR 100 for all categories. These Skyward Miles can be used for the purposes of booking Emirates tickets.
International Forex Markup
3.5%
Welcome Benefits and Reward System
Special Features
None
Eligibility Criteria
Age: You must be a minimum of 21 years old for primary cardholder (18 years old for supplementary cardholders).
Employment: You must be either self-employed or salaried.
Credit Score: You must have a good credit score. This means no recent defaults or delinquencies on loans or credit cards.
Benefits
Free access to domestic airport lounges.
Discount on movie tickets.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
1. Online:
Visit ICICI Bank website.
Fill out the online application form with the correct details.
Upload the required documents when prompted.
Submit the application and track its status online.
2. Bank Branch:
Visit the ICICI Bank branch nearest to you.
Meet a customer service representative and express your interest of availing the credit card.
Provide them with your KYC documents and fill out the application form.
Submit the application and inquire about further processing steps.
Contact Details
1800 1080
Account Opening and Procedure
Recommended Credit Cards
Pros:-
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Cons:-
Reward System: Users can earn up to 1.5 Skywards Miles per INR 100 on all categories. These Skyward Miles can be used for the purposes of booking Emirates tickets.
1 free domestic lounge access per quarter.
Users can avail 25% discount up to INR 100 on the purchase of a minimum of two tickets, up to twice in a month, on BookMyShow and Inox.
Card offers cashback only in form of Skyward Miles.
Card offers limited value add benefits.
No free movie tickets.
Application Procedure
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Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Joining Fee: INR 1,000
Annual Fee: (Second year onwards): INR 1,000
Interest Rate: 3.67% per month (annual interest rate - 44%).
Interest On Cash: 2.49% per month (annual interest rate - 29.88%).
Forex Marku: 3.5%
Cash Withdrawal Fee: 2.5% on advanced amount , subject to minimum of INR 300.
Rewards Redemption Fee: INR 99
Late Payment Charges: 0-1200 depending on the outstanding amount.second year onwards)
Fuel Surcharge
1% fuel surcharge applicable however it is waived at HPCL petrol pumps on transactions between INR 400 and INR 4,000, with a monthly cap of INR 250.
Billing Cycle
30 Days