HDFC Regalia vs ICICI Rubyx
Last Updated : Aug. 3, 2022, 6:33 p.m.
In a variety of credit cards, it becomes really difficult for an individual to choose the best among them. Many people are confused between ICICI Bank and HDFC Bank that the credit card of which bank is better to use and has more offers. Well, both of these banks provide the best credit cards having exciting offers. You can have a comparison of HDFC Regalia vs ICICI Rubyx Credit Card to clear all your doubts as these two cards are most demanded. If you are confused between the two-credit card then the comparison will definitely clear all your dilemmas. Both of them are the best in their own way.
Comparison of HDFC Regalia Credit Card and ICICI Rubyx Credit Card
| Basis of Difference | HDFC Regalia Credit Card | ICICI Rubyx Credit Card |
|---|---|---|
| Welcome Benefits | • Get a Complimentary Membership of Zomato Gold. • Enjoy a Free Dish at the partnered restaurants on every visit. • Visit the Gold Drink Partnered restaurants and get up to 2 Drinks for free. • You need to spend INR 75000 within 30 days of card issuance to enjoy the above offers. | • Get a shopping and travel voucher worth INR 5000 as a welcome bonus on this credit card. • In order to enjoy the welcome benefits, you will have to pay the joining fees of the credit card in full. |
| Milestone Benefits | • Earn 10000 Reward Points on reaching the milestone of INR 5 Lacs • Earn additional 5000 reward points on reaching the milestone of INR 8 Lacs. | • Spend ₹3 Lacs in the previous year and waive off the annual renewal fees of the ICICI Rubyx Credit Card. • Spend INR 50000 in a month and enjoy 2 Free Golf Rounds every month. • Spend INR 3 Lacs from your card and earn 3000 payback points. • Earn 1500 Payback points every time you cross the transaction of INR 1 Lac. |
| Lifestyle Benefits | • Get 24X7 Concierge Service Assistance on this credit card. • Use the Good Food Trail Dining Program using this credit card. | • Get a Discount of 15% at the partnered restaurants that come under the culinary treats program. • Book Movie ticket from BookMyShow and enjoy the Buy 1 Get 1 Free deal with the maximum value of INR 300 • Book Movie ticket from INOX and enjoy the Buy 1 Get 1 Free deal with the maximum value of INR 300. • You can enjoy the Movie offer twice every month. • Enjoy 24X7 concierge Service on this card. |
| Earn Reward Points | • On every retail transaction of ₹150 earn 4 reward points. | • On every Domestic Expenditure of INR 100 Earn 2 Payback Points. • Earn 4 Payback Points on spending INR 100 internationally |
| Airport/Railway Lounge Access | • Get 12 Complimentary Airport Lounge Access in a year through this credit card. • Under Priority Program get 6 Complimentary visits to the Lounges outside India. • Visa Cards and Mastercard will charge an authentication fee of ₹2 and ₹25 respectively. | • Enjoy 2 Complimentary Airport Lounge Access per quarter using the Rubyx Credit Card. • Get 2 Free Access to the Railway Lounges per quarter using this credit card. |
| Insurance Cover | • Air Accident death cover of ₹1 Crore. • Overseas Hospitalisation Cover of up to ₹15 Lacs in case of an emergency. • Insurance of Credit Liability of up to ₹9 Lacs. | • Air Accident death Insurance in case of death of ₹1 Crore. • Loss of Credit Card Cover of INR 50000. • Baggage Insurance of Up to INR 25000. • Loss of Travel Document Cover of $500. |
| Additional Benefits | • Get a Fuel Surcharge Discount of 1% at all the refilling stations. • The minimum transaction must be of ₹400. • The Maximum transaction must be ₹5000. • No Reward Points will be earned on the fuel expenses. | • Enjoy a 1% discount on the fuel surcharge through this credit card. |
Comparison of Fees and Waiving off Criteria of Both the Credit Cards
Now, you know all the features of this credit card and it is the time to know the fees and waiving off criteria of both the cards. The fees and renewal fees of the card will help you to make a better decision.
| Basis of Difference | HDFC Regalia Credit Card | ICICI Rubyx Credit Card |
|---|---|---|
| Annual Joining Fees | ₹2500 + Applicable Taxes | ₹3000 + Applicable Taxes |
| Annual Renewal Fees | ₹2500 + Applicable Taxes | ₹2000 + Applicable Taxes |
| Waiving Off Criteria | Spend ₹3 Lacs in a Year to Waive off the fees. | Spend ₹3 Lacs in a Year to waive off the renewal fees |
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.