Head-to-head · 🇮🇳 India
HDFC Millennia vs ICICI Rubyx
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Millennia
Wins 7 of 10
IN
ICICI Bank
ICICI Rubyx
VISA
Wins 0 of 10
Verdict
HDFC Millennia wins 7-0. Online shoppers spending ₹15K–50K/month ICICI Rubyx is still the right call if step up from coral — adds dual-network and milestone rewards..
Side-by-side
| Criterion | HDFC Millennia | ICICI Rubyx |
|---|---|---|
| Annual fee | ₹1,000 | · ₹2,000 |
| Joining fee | ₹1,000 | · ₹3,000 |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 1,000 CashPoints on ₹1,000 spend in first 90 days | = 5,000 PAYBACK points + Tata CLiQ voucher |
| Fee waiver threshold | ₹100,000 / yr | · ₹350,000 / yr |
| Min income | ₹420,000 | · ₹600,000 |
| Min credit score | 750 | · 760 |
| Editorial rating | 4.6/5 | · 4/5 |
Benefits compared
HDFC Millennia
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber
- 1% cashback on all other retail spends
- 8 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver (₹400 cap/month)
- Up to 20% off on partner restaurants via Smart EMI
ICICI Rubyx
- Dual-network (Visa + Amex one card)
- 4 international + 6 domestic lounge visits/year
- 15% off Culinary Treats
- 25% off movie tickets
- Comprehensive insurance
FAQ
›HDFC Millennia vs ICICI Rubyx: which is better?
HDFC Millennia wins on more dimensions (7 vs 0). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Millennia for online shopping, ICICI Rubyx for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Millennia: 1,000 CashPoints on ₹1,000 spend in first 90 days. ICICI Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher.