HDFC Bank Regalia Gold Credit Card
Rs 2,500Annual fee
Rs 4,00,000Fee waiver spend
12Domestic lounge
Domestic lounge conditions
- 12 complimentary visits per year (max 3 per quarter).
- From 1 July 2026 access is spend-gated: requires Rs 60,000 of spend in the preceding calendar quarter to unlock the next quarter.
- Complimentary Priority Pass membership on request after 4 retail transactions.
- 6 complimentary visits per calendar year outside India (primary and add-on cardholders); extra visits charged at US $27 + GST.
2%Forex markup
Best for
travel, lounge, lifestyle, smartbuy, premium rewards
Top rewards
smartbuy hotels: Up to 10X Reward Points (50 RP / Rs 200 spent via SmartBuy); smartbuy flights: Up to 5X Reward Points (25 RP / Rs 200 spent via SmartBuy); smartbuy gyftr: Up to 5X Reward Points (25 RP / Rs 200 spent on instant vouchers via SmartBuy)
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 Regalia Gold Credit Card | ICICI Bank Rubyx Credit Card |
|---|---|---|
| Issuer | HDFC Bank | ICICI Bank |
| Network | Visa, Mastercard | Visa, Mastercard, American Express |
| Joining fee | Rs 2,500 | Rs 3,000 |
| Annual fee | Rs 2,500 | Rs 2,000 |
| Fee waiver spend | Rs 4,00,000 | Rs 3,00,000 |
| Reward type | reward points | reward points |
| Best for | travel, lounge, lifestyle, smartbuy, premium rewards | lifestyle, movies, lounge, dining, travel |
| Top reward categories | smartbuy hotels: Up to 10X Reward Points (50 RP / Rs 200 spent via SmartBuy); smartbuy flights: Up to 5X Reward Points (25 RP / Rs 200 spent via SmartBuy); smartbuy gyftr: Up to 5X Reward Points (25 RP / Rs 200 spent on instant vouchers via SmartBuy) | 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 gyftr: daily 2,000 reward points, monthly 4,000 reward points; smartbuy train: daily 2,000 reward points, monthly 4,000 reward points | Not listed |
| Domestic lounge | 12 | 8 |
| International lounge | 6 | 0 |
| Forex markup | 2% | 3.5% |
| Milestone benefits | Rs 5,000 worth flight vouchers on spends of Rs 5 lakh, Rs 5,000 worth flight vouchers on spends of Rs 7.5 lakh, Rs 1,500 worth Myntra or Nykaa vouchers on quarterly spends of Rs 1.5 lakh, Renewal fee waived on annual spends of Rs 4 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 |