Emirates Skywards ICICI Bank Rubyx Credit Card Emirates aur ICICI Bank ki co-branded credit card series ka entry-level variant hai. Is series me Emirates Skywards ICICI Bank Emeralde Credit Card premium option hai, jabki Rubyx variant un travellers ke liye design kiya gaya hai jo kam annual fee me Emirates ke saath travel rewards ka benefit lena chahte hain.
Card ki joining aur annual fee ₹1,000 + GST hai. Iske saath aap eligible spends par Emirates Skywards Miles earn karte hain, jinhe Emirates Skywards program ke through flight bookings, cabin upgrades, hotel stays aur doosre travel rewards ke liye redeem kiya ja sakta hai.
Travel benefits ki baat karein, to cardholders ko complimentary domestic airport lounge access, travel-related privileges aur milestone-based benefits bhi milte hain. Agar aap Emirates ke saath frequently travel karte hain, to yeh card aapke travel expenses par additional value create kar sakta hai.
Aage is review me hum Emirates Skywards ICICI Bank Rubyx Credit Card ke Skywards Miles, travel benefits, fees, eligibility, pros aur cons ko detail me samjhenge, taaki aap aasani se decide kar saken ki yeh card aapki travel aur spending needs ke hisaab se sahi choice hai ya nahi.
Emirates Skywards ICICI Bank Rubyx Credit Card
Rewards and Benefits
›25% Off on BookMyShow Movie Tickets Up to ₹100 on Quarterly Spends Above ₹25,000
The earned Skyward Miles are automatically credited to the cardholder’s Emirates Skywards account.
1 Free Lounge Visit Each Quarter on Spends of ₹75,000 or More in the Previous Quarter
N/A
1 Skyward Miles/₹100 on All International and Domestic Spends
N/A
N/A
N/A
Fees & Charges
›N/A
3.75% Per Month
Nil
1% Fuel Surcharge Waiver on Transactions Between ₹400 – ₹4,000
3.5% on all foreign currency spends
2.5% of the withdrawn amount subject to a minimum of Rs. 500.
Product Details
›- Eligible spends par har ₹100 ke spend par up to 1 Emirates Skywards Mile earn karein.
- Earn kiye gaye Skywards Miles ko Emirates ke through flights, cabin upgrades aur doosre travel rewards ke liye redeem karein.
- Quarterly spending condition poori karne par complimentary domestic airport lounge access.
- BookMyShow par movie tickets book karne par 25% tak ka discount.
- ICICI Bank Culinary Treats Programme ke through partner restaurants par exclusive dining offers.
- Eligible fuel transactions par 1% fuel surcharge waiver ka benefit.
Pros/Cons
›- ₹1,000 + GST ki annual fee ke saath Emirates Skywards Miles earn karne ka mauka milta hai, jo Emirates ke frequent travellers ke liye kaafi useful ho sakta hai.
- Movie offers, dining discounts aur complimentary domestic airport lounge access jaise travel aur lifestyle benefits card ki overall value ko aur behtar banate hain.
- Reward program Emirates Skywards ecosystem par focused hai, isliye jo users Emirates ke saath regularly travel nahi karte unke liye card ki value kam ho sakti hai.
- Domestic airport lounge access ke liye quarterly spending condition poori karni hoti hai, isliye benefit har cardholder ko automatically nahi milta.
Emirates Skywards ICICI Bank Rubyx Credit Card Features and Benefits
Emirates Skywards ICICI Bank Rubyx Credit Card un travellers ke liye design kiya gaya hai jo Emirates ke saath regular travel karte hain aur apni spending par Skywards Miles earn karna chahte hain. Is card ke saath travel aur lifestyle se jude kai useful benefits milte hain.
Emirates Skywards Miles
Cardholders eligible transactions par Emirates Skywards Miles earn karte hain.
- Har ₹100 ke eligible retail spend par 1 Skywards Mile milta hai.
- Fuel, utility, education, insurance, government payments, cash withdrawals, EMI transactions, balance transfers aur kuch doosri excluded categories par Skywards Miles earn nahi hote.
Skywards Miles Redemption
- Earn kiye gaye Skywards Miles automatically aapke registered mobile number se linked Emirates Skywards Account me credit ho jaate hain.
- In Miles ko Emirates flights, cabin upgrades, hotel bookings aur Emirates Skywards program ke doosre eligible redemption options ke liye use kiya ja sakta hai.
Travel Benefits
Complimentary Domestic Airport Lounge Access
- Har quarter 1 complimentary domestic airport lounge visit ka benefit milta hai.
- Is benefit ko unlock karne ke liye pichhle quarter me ₹75,000 ya usse zyada spend karna zaroori hai.
Movie & Dining Benefits
BookMyShow Offer
- BookMyShow par minimum 2 movie tickets book karne par 25% tak ka discount milta hai.
- Har transaction par maximum ₹100 tak discount diya jata hai.
- Is offer ka benefit mahine me 2 baar liya ja sakta hai.
Dining Offers
- ICICI Bank Culinary Treats Programme ke through selected partner restaurants par 15% ya usse zyada tak ka dining discount mil sakta hai.
Fuel Surcharge Waiver
- Bharat ke authorized fuel stations par ₹4,000 tak ke eligible fuel transactions par 1% fuel surcharge waiver ka benefit milta hai.
- Fuel surcharge waiver bank ki applicable terms aur conditions ke anusar diya jata hai.
Emirates Skywards ICICI Bank Rubyx Credit Card Fees and Charges
Emirates Skywards ICICI Bank Rubyx Credit Card apply karne se pehle iske fees aur charges ko samajhna zaroori hai. Neeche card se jude important charges diye gaye hain.
- Joining Fee: ₹1,000 + GST
- Annual Fee: ₹1,000 + GST
- Interest Rate: 3.75% per month (45% per annum) overdue outstanding amount par.
- Forex Markup Fee: International transactions par 3.5% forex markup charge lagta hai.
- Cash Advance Fee: Cash withdrawal par 2.5% ya minimum ₹500, jo bhi zyada ho.
Note: Credit card se cash withdrawal (Cash Advance) karne par cash advance fee ke saath interest bhi turant lagna shuru ho sakta hai. Agar possible ho, to emergency ke alawa credit card se cash withdraw karne se bachna behtar hota hai.
Emirates Skywards ICICI Bank Rubyx Credit Card Eligibility Criteria
Emirates Skywards ICICI Bank Rubyx Credit Card ke liye ICICI Bank ne detailed eligibility criteria officially publish nahi kiye hain. Halaanki, card apply karne ke liye kuch basic requirements ko poora karna zaroori hota hai.
- Primary applicant ki age kam se kam 21 saal honi chahiye.
- Add-on cardholder ki age 18 saal ya usse zyada honi chahiye.
- Applicant salaried ya self-employed hona chahiye aur uske paas regular source of income hona chahiye.
- Accha CIBIL score aur positive credit history hone par card approval ke chances behtar hote hain.
Note: Final approval sirf age aur income par depend nahi karta. ICICI Bank apne internal eligibility criteria aur credit assessment ke basis par bhi application evaluate karta hai.
Documents Required
Application process ke dauran bank aapse kuch basic documents maang sakta hai.
Identity Proof
Inme se koi ek document submit kiya ja sakta hai:
- Aadhaar Card
- PAN Card
- Passport
- Driving Licence
- Voter ID
Address Proof
Address verification ke liye inme se koi ek document diya ja sakta hai:
- Aadhaar Card
- Passport
- Driving Licence
- Voter ID
- Recent Utility Bill
Income Proof
Income verify karne ke liye bank aam taur par inme se koi document maang sakta hai:
- Latest Salary Slips
- Recent Bank Statements
- Latest Income Tax Return (ITR)
Bottom Line
Emirates Skywards ICICI Bank Rubyx Credit Card un users ke liye ek accha option hai jo Emirates Airlines ke saath regular travel karte hain aur apni spending par Skywards Miles earn karna chahte hain. Sirf ₹1,000 + GST ki annual fee ke saath yeh card travel rewards, domestic airport lounge access aur lifestyle benefits ka balanced combination offer karta hai.
Cardholders Skywards Miles ko Emirates flights, cabin upgrades aur doosre eligible travel rewards ke liye redeem kar sakte hain. Iske alawa BookMyShow movie offers, ICICI Bank Culinary Treats Programme ke dining discounts aur fuel surcharge waiver jaise additional benefits bhi milte hain.
Halaanki, is card ke saath international airport lounge access nahi milta aur 3.5% forex markup fee international travellers ke liye ek limitation ho sakti hai. Agar aap frequently international travel karte hain aur zyada premium travel benefits chahte hain, to Emirates Skywards ICICI Bank Sapphiro Credit Card ya Emirates Skywards ICICI Bank Emeralde Credit Card ko bhi compare karna behtar rahega.
Agar aap ek affordable Emirates co-branded credit card dhoondh rahe hain jisme Skywards Miles, travel rewards aur everyday lifestyle benefits milen, to Emirates Skywards ICICI Bank Rubyx Credit Card ek value-for-money choice ho sakta hai.
FAQs
Kya Emirates Skywards ICICI Bank Rubyx Credit Card ke saath welcome benefits milte hain?
Nahi. Emirates Skywards ICICI Bank Rubyx Credit Card ke saath koi welcome bonus ya joining benefit offer nahi kiya jata.
Kya Emirates Skywards ICICI Bank Rubyx Credit Card par complimentary international airport lounge access milta hai?
Nahi. Is card ke saath complimentary international airport lounge access available nahi hai. Halaanki, quarterly spending condition poori karne par complimentary domestic airport lounge access ka benefit milta hai.
Emirates Skywards ICICI Bank Rubyx Credit Card ka interest rate kitna hai?
Is card par 3.75% per month yani 45% per annum ka interest charge overdue outstanding amount par applicable hota hai.