Head-to-head · 🇮🇳 India
HDFC Regalia vs ICICI Rubyx
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Regalia
VISA
Wins 6 of 10
IN
ICICI Bank
ICICI Rubyx
VISA
Wins 3 of 10
Verdict
HDFC Regalia wins 6-3. Mid-tier travel without the Regalia Gold 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 | ICICI Rubyx |
|---|---|---|
| Annual fee | · ₹2,500 | ₹2,000 |
| Joining fee | ₹2,500 | · ₹3,000 |
| Top reward rate | 2.7% (general) | · 1% (general) |
| Base reward rate | 2.7% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = 5,000 PAYBACK points + Tata CLiQ voucher |
| Fee waiver threshold | ₹300,000 / yr | · ₹350,000 / yr |
| Min income | · ₹1,200,000 | ₹600,000 |
| Min credit score | · 770 | 760 |
| Editorial rating | 4.3/5 | · 4/5 |
Benefits compared
HDFC Regalia
- 4 reward points per ₹150
- 12 domestic + 6 international lounge visits/year
- Low forex markup 2%
- Buy-1-get-1 BookMyShow tickets
- Milestone reward points at ₹1L, ₹5L
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 vs ICICI Rubyx: which is better?
HDFC Regalia wins on more dimensions (6 vs 3). 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 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: 2,500 reward points on first 90-day spend. ICICI Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher.