Shortlist 2–4 cards
Side-by-side comparison of the HDFC Bank MoneyBack Plus and the ICICI Bank Rubyx American Express. Verify fees, lounge access, forex markup, and base rewards before you apply.
| Feature | MoneyBack Plus | Rubyx American Express |
|---|---|---|
| Annual fee | ₹500 Waivable at ₹50,000 spend | ₹2,000 Waivable at ₹3,00,000 spend |
| Forex fee | 3.5% | 3.5% |
| Domestic lounge | No lounge access | 8/year |
Fees: MoneyBack Plus wins
Confidence: High
Forex: Tie
Confidence: High
Lounge: Rubyx American Express wins
Confidence: High
Confidence: High
Start with the constraint you care about most: annual fee (HDFC Bank MoneyBack Plus: ₹500 vs ICICI Bank Rubyx American Express: ₹2,000), forex markup (3.5% vs 3.5%), or lounge access (No lounge access vs 8/year).
Explore: HDFC Bank MoneyBack Plus card page · ICICI Bank Rubyx American Express card page · best credit cards in India
If this pair is close, these are the next useful side-by-side checks.
Confidence: High
Verify with issuer (opens in new tab)Confidence: High
Verify with issuer (opens in new tab)At ₹50k/month spend:
Illustrative only, using current base rates before caps.
| MoneyBack Plus HDFC Bank | Rubyx American Express ICICI Bank | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits No lounge access vs 8/year | No lounge access | 8/year |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Annual fee ₹500 vs ₹2,000 | ₹500 | ₹2,000 |
| Joining fee ₹500 vs ₹3,000 | ₹500 | ₹3,000 |
| Fee waiver spend ₹50,000 vs ₹3,00,000 | ₹50,000 | ₹3,00,000 |
| Rewards | ||
| Reward points (base spend) 2 pts/₹150 vs 2 pts/₹100 | 2 pts/₹150 | 2 pts/₹100 |
| Point cash value | ₹0.25 | ₹0.25 |