HDFC Regalia Gold vs ICICI Rubyx
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia Gold wins 5-4. Mid-tier travel + dining without the Diners Black price tag ICICI Rubyx is still the right call if step up from coral — adds dual-network and milestone rewards..
Side-by-side
| Criterion | HDFC Regalia Gold | ICICI Rubyx |
|---|---|---|
| Annual fee | · ₹2,500 | ₹2,000 |
| Joining fee | ₹2,500 | · ₹3,000 |
| Top reward rate | 25% (travel) | · 1% (general) |
| Base reward rate | 4% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 5,000 PAYBACK points + Tata CLiQ voucher |
| Fee waiver threshold | · ₹400,000 / yr | ₹350,000 / yr |
| Min income | · ₹1,200,000 | ₹600,000 |
| Min credit score | · 770 | 760 |
| Editorial rating | 4.6/5 | · 4/5 |
Benefits compared
HDFC Regalia Gold
- 5x reward points on travel + dining via SmartBuy
- 4 complimentary international lounge visits per year (Priority Pass)
- 12 complimentary domestic lounge visits per year
- Annual memberships: Club Vistara Silver, MMT Black Elite
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
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 Regalia Gold vs ICICI Rubyx: which is better?
HDFC Regalia Gold wins on more dimensions (5 vs 4). 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 Regalia Gold for its best categories, ICICI Rubyx for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Regalia Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher. ICICI Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher.