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faayda.com › compare › ICICI Rubyx vs HDFC Regalia Gold
Comparison · हिन्दी

ICICI Rubyx vs HDFC Regalia Gold

ICICI Rubyx costs ₹2,000 a year and HDFC Regalia Gold ₹2,500. We ran them on the same ₹26,000 monthly spend and compared rewards, fees, lounge access and forex markup.

Updated · Terms checked by Prashant Parikh
ICICI
RUBYX
ASHOK KUMAR
VS
HDFC
REGALIA GOLD
ASHOK KUMAR
Our verdict
HDFC Regalia Gold Credit Card wins for most people
HDFC Regalia Gold wins with a net yearly benefit of ₹2,570, against -₹530 for ICICI Rubyx. Its roughly 1.625% return on most spends easily covers the ₹2,500 fee, while ICICI Rubyx's 0.5% rate does not cover its ₹2,000 fee.
Side-by-side comparison
ICICI Bank Rubyx Credit Card HDFC Regalia Gold Credit Card ✓
Annual benefit -₹530 ₹2,570
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹3,000 + GST joining; ₹2,000 + GST annual from year 2 (waived on ₹3 lakh spend) ₹2,500 + taxes (waived on ₹4,00,000/year spend)
Issued by ICICI Bank HDFC Bank
Network Visa / Mastercard / Amex / RuPay Visa / Mastercard
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 2 reward points per ₹100 on domestic spends (0.5% at ₹0.25 a point); 4 per ₹100 on international spends (1%); 1 per ₹100 on utilities and insurance (0.25%); no points on fuel 5 reward points per ₹200 on most spends (about 1.625% at ₹0.65 a point on the Gold catalogue); 5X on Nykaa, Myntra, Marks & Spencer and Reliance Digital; no points on fuel; grocery points capped at 2,000 a month
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 2 domestic visits/quarter (on ₹75,000/quarter spend from April 2026) 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 2%
Best for Premium lifestyle card with dining, movies and domestic travel perks All-round premium card with travel perks and lifestyle rewards
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹75,000/month (salaried) ₹1L/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 750+
Apply now ↗ Full review →
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When each card wins
ICICI Bank Rubyx Credit Card
ICICI Rubyx suits you if welcome vouchers, movie discounts and international spends matter more than everyday returns. On this domestic-heavy profile, its 0.5% rate leaves it behind.
HDFC Regalia Gold Credit Card
HDFC Regalia Gold is the better choice for this profile. It earns about 1.625% on shopping, dining, travel, groceries and bills, plus more lounge visits each year.
Who should get which card
Get ICICI Bank Rubyx if you…
· You want welcome vouchers from Tata CLiQ, Croma, EazyDiner and others
· You watch movies often and value INOX and BookMyShow discounts
· You spend internationally and want 4 points per ₹100
· You are fine with a lower return on everyday domestic spends
Get HDFC Regalia Gold if you…
· You spend across shopping, dining, travel, groceries and bills
· You want about 1.625% on most spends, including utilities
· You want 12 domestic and 6 international lounge visits a year
· You shop at Nykaa, Myntra, Marks & Spencer or Reliance Digital for 5X points
Partner offer
IDFC FIRST Ashva Credit Card
Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app
Apply now →
IDFC
ASHOK KUMAR

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Frequently asked questions
HDFC Regalia Gold comes out ahead on a typical ₹26,000 monthly spend (₹8,000 on shopping, ₹5,000 on dining, ₹5,000 on travel, ₹5,000 on groceries and ₹3,000 on bills): it returns about ₹2,570 a year after fees, against a loss of ₹530 for ICICI Rubyx. ICICI Rubyx suits you if welcome vouchers, movie discounts and international spends matter more than everyday returns.
ICICI Rubyx costs ₹3,000 + GST joining; ₹2,000 + GST annual from year 2 (waived on ₹3 lakh spend). HDFC Regalia Gold costs ₹2,500 + taxes (waived on ₹4,00,000/year spend). ICICI Rubyx is cheaper to hold, by ₹500 a year before any waiver.
In our yearly figures, ICICI Rubyx earns 0.5% on shopping, dining, travel, groceries and other spends; 0.25% on bills; nothing on fuel. HDFC Regalia Gold earns 1.63% on shopping, dining, travel, groceries, bills and other spends (up to a monthly cap); nothing on fuel. Full reward rules, caps and exclusions are in the comparison table above.
ICICI Rubyx: 2 domestic visits/quarter (on ₹75,000/quarter spend from April 2026). HDFC Regalia Gold: 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter).
HDFC Regalia Gold is cheaper abroad: it charges 2% forex markup, against 3.5% on ICICI Rubyx.
ICICI Rubyx is issued by ICICI Bank on Visa, Mastercard, Amex or RuPay. HDFC Regalia Gold is issued by HDFC Bank on Visa or Mastercard.
Income needed for ICICI Rubyx: ₹75,000/month (salaried). For HDFC Regalia Gold: ₹1L/month (salaried).