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HDFC Bank Regalia Credit Card VS ICICI Bank Rubyx Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Both HDFC Bank Regalia Credit Card and ICICI Bank Rubyx Credit Card suit travel-focused spenders, but they earn and cost differently. HDFC Bank Regalia Credit Card costs ₹2,500 + GST and earns 4 Reward Points on every Rs. 150 spent on retail. ICICI Bank Rubyx Credit Card costs ₹3,000 + GST and earns 4 RPs/₹100 on international spends & 2 RPs/₹100 on domestic spends (1 RP/₹100 on utilities/insurance). HDFC Bank Regalia Credit Card also brings 8 complimentary accesses per year, spend-based (Rs. 1 lakh per quarter for 2 vouchers), while ICICI Bank Rubyx Credit Card counters with 2 complimentary domestic airport lounge accesses/quarter (on ₹75k spend) & 2 railway lounge accesses/quarter. If premium spending matters more, go with HDFC Bank Regalia Credit Card; if shopping is the priority, ICICI Bank Rubyx Credit Card fits better.

HDFC Bank Regalia Credit Card
HDFC Bank Regalia Credit Card
ICICI Bank Rubyx Credit Card
ICICI Bank Rubyx Credit Card

Fees & Charges

Joining Fee₹2,500 + GST
Joining Fee₹3,000 + GST
Renewal Fee₹2,500 + GST
Renewal Fee₹2,000 + GST
Spend Based WaiverAnnual fee waiver (second year onwards) on spending Rs. 3 lakhs or more in the previous year.
Spend Based WaiverAnnual fee waived if ₹3 lakh or more is spent in the previous year.
Foreign Transaction Fees2% on all foreign currency transactions.
Foreign Transaction Fees3.5% of the transaction amount
Interest Rate (APR)3.6% per month or 43.2% annually on outstanding amount.
Interest Rate (APR)3.75% per month (45% per annum)

Rewards & Benefits

Welcome Bonus2,500 bonus Reward Points are awarded after the successful realization of the joining fee.
Welcome BonusWelcome vouchers worth over ₹15,000 (Tata CLiQ, EaseMyTrip, Croma, Elivaas) & EazyDiner Prime membership.
Rewards RateEarn 4 Reward Points on every Rs. 150 spent on retail.
Rewards RateEarn 4 RPs/₹100 on international spends & 2 RPs/₹100 on domestic spends (1 RP/₹100 on utilities/insurance).
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeRs. 99 (plus applicable taxes) charged on every redemption request.
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access8 complimentary accesses per year, spend-based (Rs. 1 lakh per quarter for 2 vouchers).
Domestic Lounge Access2 complimentary domestic airport lounge accesses/quarter (on ₹75k spend) & 2 railway lounge accesses/quarter.
International Lounge AccessPriority Pass membership with 6 complimentary lounge visits per year outside India.
International Lounge Access
Travel BenefitsComplimentary domestic/international lounge access, travel insurance, and accelerated rewards on bookings.
Travel BenefitsComplimentary domestic airport and railway lounge access, plus discounts on car rentals with Avis.
Movie BenefitsNot Applicable
Movie Benefits25% discount (up to ₹150) on 2 movie tickets on BookMyShow/INOX, twice monthly (spend condition applies).
Dining BenefitsGet up to 20% off on partner restaurants via Swiggy Dineout when payment is made via the Swiggy application.
Dining BenefitsExciting discount offers on dining bills at partner restaurants with the ICICI Bank Culinary Treats Program.
Golf BenefitsNot applicable.
Golf Benefits1 complimentary golf round or lesson for every ₹50,000 spent in previous month, max 2 per month.
Fuel Surcharge Waiver1% waiver on transactions Rs. 400-5,000, capped at Rs. 500 per month.
Fuel Surcharge Waiver1% waiver on fuel spends between ₹400 and ₹4,000 across all fuel stations in India.

Security & Other

Insurance BenefitsAccidental air death cover of Rs. 1 Cr, emergency overseas hospitalization up to Rs. 15 lakhs.
Insurance Benefits₹1 Cr Personal Air Accident Cover, ₹50k Lost Card Liability Protection, and Personal Accident Insurance Cover.
Cash Advance Charges2.5% of transaction amount or Rs. 500, whichever is higher.
Cash Advance ChargesHigher of ₹500 or 2.5% of the amount withdrawn.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Regalia Credit Card

ICICI Bank Rubyx Credit Card

Who is it for?

The HDFC Bank Regalia Credit Card is a premium offering designed for individuals seeking significant travel and lifestyle benefits. It provides a robust rewards program with 4 Reward Points on every Rs. 150 spent, complemented by welcome and milestone bonuses. Cardholders enjoy complimentary domestic and international lounge access, a low foreign currency markup, and comprehensive insurance coverage, making it ideal for frequent travelers and those seeking exclusive privileges.

Who is it for?

The ICICI Bank Rubyx Credit Card is a sub-premium offering designed for individuals seeking a blend of premium rewards and exclusive lifestyle privileges. It offers a robust rewards program on both domestic and international spends, coupled with lifestyle benefits such as discounts on movies and dining, complimentary airport and railway lounge access, and comprehensive insurance coverage. The card also provides a spend-based annual fee waiver, making it an attractive option for those who meet the spending thresholds. It's ideal for frequent travelers and shoppers looking for an affordable card with significant advantages.

Pros

Key benefits and features.

Generous welcome bonus reward points and a competitive reward rate.

Low foreign exchange markup fee of 2% on international transactions.

Complimentary domestic and international lounge access with Priority Pass.

Significant milestone benefits with bonus reward points on annual spending.

Pros

Key benefits and features.

Offers several useful insurance benefits, including a ₹1 crore air accident cover.

Provides attractive movie offers with a 25% discount on BookMyShow and INOX.

Includes complimentary domestic airport and railway lounge access for travelers.

Flexible reward points that can be redeemed against cash or a variety of gifts.

Features 24x7 i-Assist concierge services for various assistance needs.

Cons

Key drawbacks and limitations.

Other HDFC cards might offer better benefits or redemption options.

Many spend categories like fuel, rentals, and government spends do not earn reward points.

Reward points have an expiry period of 2 years from the date of accumulation.

Domestic lounge access is spend-based, requiring Rs. 1 lakh spend per quarter.

Cons

Key drawbacks and limitations.

Reward rate is not high, and 3.5% foreign currency markup makes international spending unattractive.

Airport lounge access is conditional, requiring high spends of ₹75,000 in the preceding quarter.

Movie benefits also require a spend of ₹25,000 in the preceding quarter to be eligible.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for HDFC Bank Regalia Credit Card(opens in new tab)Apply for ICICI Bank Rubyx Credit Card(opens in new tab)