ICICI Bank is the first Indian bank to offer credit cards that are co-branded with Emirates Skywards, the loyalty programme of Dubai-based airline Emirates and flydubai.
The set of cards is called “Emirates Skywards ICICI Bank Credit Card,” and customers will be able to earn reward points, called “Skywards Miles,” when they spend money on travel, lifestyle, and everyday items.

Skywards Miles can be redeemed for a wide range of rewards, such as tickets on partner airlines, upgrades on flights, and hospitality at sporting and cultural events.
Visa is the network partner for the co-branded credit cards, which come in three different styles: Sapphiro, Rubyx , and Emeralde.
Emirates Skywards ICICI Bank Credit Cards
- Emirates Skywards ICICI Bank RubyX Credit Card
- Emirates Skywards ICICI Bank Sapphiro Credit Card
- Emirates Skywards ICICI Bank Emeralde Credit Card
| Features | Emirates Skywards Rubyx | Emirates Skywards Sapphiro | Emirates Skywards Emeralde |
| Card Type | Mid-level | Semi-Premium | Premium |
| Best Suited For | Shopping and Travel | Shopping and Travel | Shopping and Travel |
| Annual Fee | Rs. 1,000 | Rs. 5,000 | Rs. 10,000 |
| Best Feature | 1.5 Skywards Miles for every INR 100 spent | Emirates Skywards Silver tier membership for the first year (can be renewed upon achieving the milestone spend) | Unlimited lounge access worldwide via Dreamfolks Pass |
Emirates Skywards ICICI Bank RubyX Credit Card
This credit card is available at a joining fee of INR 1000 and you can earn many Skywards Miles using this credit card. Here are the features of this credit card.
- Spend INR 100 and earn 1.5 Skywards Miles on this credit card.
- Enjoy 1 complimentary access to the domestic airport lounge per quarter.
- Enjoy great dining offers on the ICICI Emirates RubyX Credit Card under the culinary treat program.
- Get 25% off up to INR 100 on buying a minimum of two tickets from BookMyShow, twice a month.
- Enjoy a fuel surcharge waiver of 1% at the refilling stations with a maximum of INR 250 per month.
- You will get a Chip and PIN security on this ICICI credit card.
Emirates Skywards ICICI Bank Emeralde Credit Card
The Emirates Emeralde Credit Card has a lot of features and benefits and it is available at a joining and renewal fee of INR 10000 each.
- Earn 10000 Skywards Miles as a welcome benefit on this credit card.
- Earn Emirates Skywards Silver Tier Membership as a welcome gift after paying the joining fee.
- Enjoy unlimited complimentary access to the domestic airport lounge using the ICICI Emirates Emeralde Credit Card.
- Enjoy 2.5 Skywards Miles per INR 100 on all the categories.
- Buy one ticket from BookMyShow and get up to 750 off on the second movie ticket and this offer can be used four times a month.
- Get dining discounts at the partnered restaurants with the ICICI Bank and come under the culinary treat program.
- This credit card has Chip and PIN security.
| Particulars | Emirates Skywards ICICI Bank Emeralde Credit Card |
| Joining Fee | Rs. 10,000 |
| Annual Fee | Rs. 10,000 |
| Supplementary Card Joining Fee | Rs. 250 |
| Supplementary Card Annual Fee* | Rs. 250 |
Emirates Skywards Credit Cards Joining and Renewal Fees
| Emirates Skywards Cards | Joining Fee | Renewal Fee |
|---|---|---|
| Emirates Rubyx Credit Card | INR 1,000 | INR 1,000 |
| Emirates Sapphiro Credit Card | INR 5,000 | INR 5,000 |
| Emirates Emeralde Credit Card | INR 10,000 | INR 10,000 |
Emirates Skywards ICICI Bank Credit Card give up to 2.5 Skywards Miles for every Rs 100 spent. Depending on the card type, they also come with a variety of other benefits, such as free Emirates Skywards Silver status and bonus Skywards Miles.
Talking about the launch ICICI Bank’s head of unsecured assets, Sudipta Roy, said that the Emirates Skywards ICICI Bank Credit cards would be for wealthy people.
“Most credit cards have the same benefits for all customers, and they don’t cater to a certain type of customer or need. This new set of credit cards is one of the few that let customers earn the highly sought-after Skywards Miles on all eligible purchases, he said.

Nejib Ben Khedher, the senior vice president of the division, says that India is home to the fifth-largest number of Emirates Skywards members.
“We’re excited to keep giving our more than 2 million members new ways to earn and spend Miles on rewards that can’t be found anywhere else,” he said.