HDFC Regalia Credit Card vs ICICI Rubyx Credit Card
Last Updated : March 6, 2025, 6:25 p.m.
The HDFC Regalia and the ICICI Rubyx credit cards are popular credit cards in India that offer travel benefits. Both cards also have their own set of unique benefits. HDFC’s Regalia offers useful benefits across various categories such as dining and shopping. The ICICI Rubyx also offers exclusive rewards across categories like lifestyle, shopping, and much more. With both these cards, you can enjoy enhanced spending power? So, then which card to choose? To enable individuals to make a well-informed decision, we have compared both these cards here in HDFC Regalia Credit Card Vs ICICI Rubyx Credit Card. Let us now read on.
Comparison of HDFC Regalia Credit Card and ICICI Rubyx Credit Card
| Parameter | HDFC Regalia Credit Card | ICICI Rubyx Credit Card |
|---|---|---|
Annual joining fee |
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Annual renewal fee |
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Welcome benefits |
| Get shopping and travel vouchers worth Rs. 5,000 and more on paying the joining fee. Popular brands from which vouchers are given are as follows:
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Milestone benefits |
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Lifestyle benefits |
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Reward points |
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Reward points redemption | You can redeem your reward points on Smartbuy or netbanking at the following rates:
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Insurance |
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Lounge Access |
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Priority Pass |
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Fuel surcharge waiver |
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Dining benefit | Exclusive complimentary Dineout Passport membership offering:
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Renewal fee waiver |
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Foreign currency markup |
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Which Card to Choose?
The HDFC Regalia credit card and the ICICI Rubyx credit card offer a wide range of benefits like complimentary lounge access, a good reward rate, lifestyle perks, complimentary lounge visits, air accident insurance cover, milestone benefits, etc. One important difference between both is in the complimentary lounge visits. While HDFC Regalia and ICICI Rubyx both offer domestic and international access to complimentary airport lounges, you can enjoy free railway lounge visits also with the ICICI Rubyx credit card. Also, the annual fee of the Regalia credit card is Rs. 500 more than the Rubyx credit card from the second year onwards. Since both cards are unique in offering benefits, you must choose a card according to your spending patterns and lifestyle preferences. For instance, if you play golf, then it is ideal to choose the ICICI Rubyx credit card which offers golf perks unlike the HDFC Regalia which does not offer any. This article titled, HDFC Regalia Credit Card Vs ICICI Rubyx Credit Card will help you in choosing a card with more precision. Do not forget to check CIBIL score online on Wishfin, which is the first official fintech partner of TransUnion of CIBIL. By checking it, you will know where you stand with respect to your credit score so that you do not face unnecessary rejection of your credit card application.
Conclusion
It is clear from the comparison that both the credit cards are unique in their own way. Both the credit cards have exclusive features that make you save a lot of money in a year. The comparisons between HDFC Regalia vs ICICI Rubyx Credit Card will make it easy for you to choose only one card as per your need. Analyze all your monthly expenditures and then compare it with the features of both the card to find out the appropriate credit card for yourself.
Frequently Asked Questions (FAQs)
