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ICICI Bank
Emirates Skywards Blue tier and 1 Skywards Mile per Rs. 100 — but the fee cannot be waived
One-time
Per year
Uncapped rewards
Score 750+
Applying takes you to ICICI Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
1 reward rate with their caps, taken from ICICI Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromEverything else
No published ceiling on this tier
Data-driven verdict based on net earnings after fees and caps.
Key strength
1% on Everything else — Emirates Skywards Miles on both domestic and international transactions. ICICI Bank publishes no rupee value for a Skywards Mile., with no stated cap.
Biggest limitation
ICICI Bank states the annual card charges cannot be waived. This is the only card in our catalogue with no waiver route at any spend level.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
1%
uncappedEverything else
Emirates Skywards Miles on both domestic and international transactions. ICICI Bank publishes no rupee value for a Skywards Mile.
We do not have redemption details recorded for this card. Check the issuer's page before relying on it.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹1,180 | — |
| Annual / renewal fee | ₹1,180 | — |
| Cash withdrawal | 2.5% | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | A slab-based late payment fee that varies with the total amount due, published in ICICI Bank's card MITC rather than in the summary schedule of charges | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹1,180 a year
charged with no published way to avoid it
We do not have fuel surcharge waiver recorded for this card. Check the issuer's page before relying on it.
We do not have upi payments recorded for this card. Check the issuer's page before relying on it.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
We do not have a list of excluded categories recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
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STATE BANKSBI Card Unnati₹589| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Emirates Skywards ICICI Bank Rubyx Credit Card · this card | ₹1,180 | 1% everything else | Included |
| ICICI Bank Parakram Credit Card | Lifetime free | Up to 1.25% rewards | Included |
| Adani One ICICI Bank Signature Credit Card BK | ₹5,000 | Up to 7 reward points per ₹100 | Included |
| Adani One ICICI Bank Platinum Credit Card BK | ₹750 | Up to 3 reward points per ₹100 | Included |
| ICICI Bank Coral Credit Card BK | ₹500 | Up to 2 reward points per ₹100 | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹1,180 plus GST, with no published spend-based waiver.
The strongest published rate is 1% on everything else, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. See the benefits section above.
We do not have UPI details recorded for this card.
We do not have an exclusions list recorded for this card. Check the issuer’s terms.
ICICI Bank publishes about ₹75,000 a month for salaried applicants, and it is usually issued above a 750 credit score. Meeting the criteria is not an approval — the issuer decides.
We do not have redemption details recorded.
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Emirates Skywards ICICI Bank Rubyx Credit Card — 1% on everything else. ₹1,180 a year.