Which card has a lower forex fee: HDFC MoneyBack Plus Credit Card or ICICI Bank Rubyx American Express Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: HDFC MoneyBack Plus Credit Card or ICICI Bank Rubyx American Express Credit Card?

HDFC MoneyBack Plus Credit Card has a lower annual fee (₹500 vs ₹2,000).

Which card offers better lounge access?

HDFC MoneyBack Plus Credit Card: No complimentary lounge access. ICICI Bank Rubyx American Express Credit Card: 2 per quarter domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

HDFC Bank MoneyBack Plus vs ICICI Bank Rubyx American Express Credit Cards – Fees, Lounge, Forex

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.

Lounge ICICI Bank Rubyx American Express

Quick comparison

Three core metrics

MoneyBack Plus HDFC Bank

Annual fee ₹500 Waivable at ₹50,000 spend
Forex markup 3.5%
Domestic lounge No complimentary lounge access

Rubyx American Express ICICI Bank

Annual fee ₹2,000 Waivable at ₹3,00,000 spend
Forex markup 3.5%
Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹75,000 spend in the previous calendar quarter

Reward earning explained

Per card

MoneyBack Plus

10 CashPoints / ₹100 on Amazon (domestic) (10X CashPoints on select merchants.)…

Limited data

Rubyx American Express

4 pts / ₹100 on General spend

Limited data

Pick based on what matters

3 dimensions

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 complimentary lounge access vs 2/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access ICICI Bank Rubyx American Express wins

ICICI Bank Rubyx American Express is better for lounge access

ICICI Bank Rubyx American Express is stronger here. Domestic lounge access is 2 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Only ICICI Bank Rubyx American Express has comparable evidence here. Estimated base reward value is ~1% on base spend.

MoneyBack Plus: Limited data Rubyx American Express: Limited data

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

MoneyBack Plus: ~₹170/month at base rate
Rubyx American Express: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	MoneyBack Plus HDFC Bank	Rubyx American Express ICICI Bank
Lounge Access
Domestic lounge visits No complimentary lounge access vs 2/quarter	No complimentary lounge access	2/quarter
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
Interest-free period Up to 50 days vs Up to 48 days	Up to 50 days	Up to 48 days
Rewards
Reward points (base spend) 2 pts/₹150 vs 4 pts/₹100	2 pts/₹150	4 pts/₹100
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for MoneyBack Plus	₹0.25	Not specified
Point validity Only available for MoneyBack Plus	2 years	Not specified

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.