HDFC Bank Diners Club Privilege Credit Card
Rs 1,000Annual fee
Rs 3,00,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- Complimentary lounge access (8 domestic and 4 international visits per year, unlocked as 2 domestic and 1 international visit per quarter) is spend-based starting 1 July 2026: Requires spending Rs 60,000 in the preceding calendar quarter.
- Complimentary lounge access (8 domestic and 4 international visits per year, unlocked as 2 domestic and 1 international visit per quarter) is spend-based starting 1 July 2026: Requires spending Rs 60,000 in the preceding calendar quarter.
3.5%Forex markup
Best for
dining, movies, smartbuy, lounge, lifestyle
Top rewards
swiggy zomato: 20 Reward Points / Rs 200 spent on Swiggy and Zomato; Hotels via SmartBuy (10X): 40 Reward Points / Rs 200 spent on hotels via SmartBuy (10X); Flights via SmartBuy (5X): 20 Reward Points / Rs 200 spent on flights via SmartBuy (5X)
ICICI Bank Rubyx Credit Card
Rs 2,000Annual fee
Rs 3,00,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- Two complimentary domestic airport lounge visits per quarter, subject to spending Rs 75,000 in the preceding calendar quarter
- Offers 2 complimentary domestic airport lounge visits per quarter, subject to spending Rs 75,000 in the preceding calendar quarter.
- Two complimentary domestic railway lounge visits per quarter (no spend requirement)
- Offers 2 complimentary domestic railway lounge visits per quarter (no spends criteria).
3.5%Forex markup
Best for
lifestyle, movies, lounge, dining, travel
Top rewards
Domestic retail spends: 2 Reward Points / Rs 100 spent; International spends: 4 Reward Points / Rs 100 spent; Utility & Insurance spends: 1 Reward Point / Rs 100 spent
| Feature | HDFC Bank Diners Club Privilege Credit Card | ICICI Bank Rubyx Credit Card |
|---|---|---|
| Issuer | HDFC Bank | ICICI Bank |
| Network | Diners Club | Visa, Mastercard, American Express |
| Joining fee | Rs 1,000 | Rs 3,000 |
| Annual fee | Rs 1,000 | Rs 2,000 |
| Fee waiver spend | Rs 3,00,000 | Rs 3,00,000 |
| Reward type | reward points | reward points |
| Best for | dining, movies, smartbuy, lounge, lifestyle | lifestyle, movies, lounge, dining, travel |
| Top reward categories | swiggy zomato: 20 Reward Points / Rs 200 spent on Swiggy and Zomato; Hotels via SmartBuy (10X): 40 Reward Points / Rs 200 spent on hotels via SmartBuy (10X); Flights via SmartBuy (5X): 20 Reward Points / Rs 200 spent on flights via SmartBuy (5X) | Domestic retail spends: 2 Reward Points / Rs 100 spent; International spends: 4 Reward Points / Rs 100 spent; Utility & Insurance spends: 1 Reward Point / Rs 100 spent |
| SmartBuy / accelerated caps | smartbuy hotels: daily 2,000 reward points, monthly 2,000 reward points; smartbuy flights: daily 2,000 reward points, monthly 2,000 reward points; smartbuy: daily 2,000 reward points, monthly 4,000 reward points | Not listed |
| Domestic lounge | 8 | 8 |
| International lounge | 4 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Vouchers worth Rs 1,500 from brands like Marriott Experience, Barbeque Nation, Lakme Salon, O2 Spa, Decathlon, McDonald's, or Domino's on quarterly spends of Rs 1.5 lakh | Earn 3,000 reward points on spending Rs 3,00,000 in an anniversary year, Earn 1,500 reward points for every subsequent Rs 1,00,000 spent in the same anniversary year, capped at 15,000 reward points per year |
| Redemption | SmartBuy travel: upto Rs 0.5 per point; Air miles: upto Rs 0.5 per point; Statement credit: upto Rs 0.2 per point | Air miles: upto Rs 0.1667 per point; Statement credit: upto Rs 0.25 per point |
| Key exclusions | fuel, rent, wallet loads, government transactions, cash withdrawal, emi transactions | Fuel transactions, Rent payments, E-wallet loading transactions, Government transactions, Tax payments, EMI transactions |