HDFC Regalia Gold vs ICICI Rubyx
Detailed comparison of these two popular credit cards
Winner
HDFC Regalia Gold
HDFC Bank
PremiumVS
ICICI Rubyx
ICICI Bank
PremiumAnnual Fee
₹3K vs ₹2K
Effective Rate
(cash value)
1.3% vs 0.5%
Lounge Access
12/year vs 2/quarter
Detailed Comparison
| Feature | HDFC Regalia Gold | ICICI Rubyx |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹3K | ₹3K |
| Annual Fee | ₹3K | ₹2K |
| Fee Waiver | Spend ₹4L annually | Spend ₹3L annually |
| Forex Markup | 2% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.33% | 0.5% |
Lounge Access | ||
| Domestic Lounges | 12/year | 2/quarter |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹12.0L | ₹12.0L |
HDFC Regalia Gold is Best For
Mid-tier spenders wanting lounge access
Watch Out
- • Devalued from original Regalia benefits
Our Verdict
Based on overall features and value,
HDFC Regalia Gold wins!
Score: 51vsScore: 21
