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

HDFC Regalia Gold Credit Card has lower forex markup (2% vs 3.5%).

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

ICICI Bank Rubyx American Express Credit Card has a lower annual fee (₹2,000 vs ₹2,500).

Which card offers better lounge access?

HDFC Regalia Gold Credit Card: 12/year domestic lounge (3 per quarter). ICICI Bank Rubyx American Express Credit Card: 8/year domestic lounge.

Which card has a higher base reward rate?

HDFC Regalia Gold Credit Card has higher base reward value (~0.67% vs ~0.5%).

Pairwise comparison Add another card →

HDFC Bank Regalia Gold vs ICICI Bank Rubyx American Express Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Regalia Gold and the ICICI Bank Rubyx American Express. Verify fees, lounge access, forex markup, and base rewards before you apply.

Forex HDFC Bank Regalia Gold

Quick comparison

Three core metrics

Regalia Gold HDFC Bank

Annual fee ₹2,500 Waivable at ₹4,00,000 spend
Forex markup 2%
Domestic lounge 12/year (3 per quarter) Conditional · Spend-gated in current HDFC policy; verify live eligibility in bank app

Rubyx American Express ICICI Bank

Annual fee ₹2,000
Forex markup 3.5%
Domestic lounge 8/year

Reward earning explained

Per card

Regalia Gold

4 pts / ₹150 on General spend

Rubyx American Express

2 pts / ₹100 on General spend

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Regalia Gold: ₹2,500 vs ICICI Bank Rubyx American Express: ₹2,000), forex markup (2% vs 3.5%), or lounge access (12/year (3 per quarter) vs 8/year).

Travel Insufficient data

Insufficient data to compare travel

Only HDFC Bank Regalia Gold has comparable evidence here. Forex markup is 2%.

Regalia Gold: Limited data Rubyx American Express: Limited data
Forex markup HDFC Bank Regalia Gold wins

HDFC Bank Regalia Gold is better for forex

HDFC Bank Regalia Gold is stronger here. Forex markup is 2%.

Regalia Gold: Limited data Rubyx American Express: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 12/year (3 per quarter). Domestic lounge access is 8/year.

Regalia Gold: Limited data Rubyx American Express: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments. American Express network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Regalia Gold: ~₹330/month at base rate
Rubyx American Express: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Field	Regalia Gold HDFC Bank	Rubyx American Express ICICI Bank
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats 12/year (3 per quarter) vs 8/year	12/year (3 per quarter)	8/year
International lounge visits 6/year vs 2/year	6/year	2/year
Forex / International Use
Forex markup Source agreement differs — verify both. 2% vs 3.5%	2%	3.5%
Fees
Annual fee ₹2,500 vs ₹2,000	₹2,500	₹2,000
Joining fee ₹2,500 vs ₹3,000	₹2,500	₹3,000
Fee waiver spend Only available for Regalia Gold	₹4,00,000	Not specified
Rewards
Reward points (base spend) 4 pts/₹150 vs 2 pts/₹100	4 pts/₹150	2 pts/₹100
Point cash value	₹0.25	₹0.25

Notes

HDFC Regalia Gold Credit Card: Spend-gated in current HDFC policy; verify live eligibility in bank app
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.