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Regalia vs Rubyx American Express – Full comparison
Both cards verified with issuer
Regalia source Rubyx American Express sourceAnnual fee structure is a key difference
Key differences
Lowest fee Rubyx American Express ₹2,000
Spend context
At ₹50k/month spend:
- Regalia: ~₹670/month at base rate
- Rubyx American Express: ~₹250/month at base rate
Approximate, based on base rates (before caps).
| Regalia HDFC | Rubyx American Express ICICI | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits No difference | 2/quarter | 2/quarter |
| International lounge visits Only available for Regalia | 6/year | Varies by variant |
| Forex / International Use | ||
| Forex markup No difference | 3.5% | 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 No difference | ₹3,00,000 | ₹3,00,000 |
| Rewards | ||
| Reward points (base spend) 4 pts/₹150 vs 2 pts/₹100 | 4 pts/₹150 | 2 pts/₹100 |
| Point cash value ₹0.5 vs ₹0.25 | ₹0.5 | ₹0.25 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Related compare links
- Regalia vs Regalia Gold HDFC vs HDFC
- Regalia vs Tata Neu Infinity HDFC Bank HDFC vs HDFC
- Regalia vs Millennia HDFC vs HDFC
- Rubyx American Express vs Coral ICICI vs ICICI
- Rubyx American Express vs HPCL Super Saver ICICI vs ICICI
- Rubyx American Express vs Sapphiro ICICI vs ICICI
Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.