Which card has a lower forex fee: HDFC Regalia 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 Regalia 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 Credit Card: 2 per quarter domestic lounge. 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 Regalia vs ICICI Bank Rubyx American Express Credit Cards – Fees, Lounge, Forex

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

Rewards ICICI Bank Rubyx American Express

Quick comparison

Three core metrics

Regalia HDFC Bank

Annual fee ₹2,500 Waivable at ₹3,00,000 spend
Forex markup 3.5%
Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹1,00,000 spend in the previous calendar quarter

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

Regalia

2 pts / ₹100 on General spend

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 Regalia: ₹2,500 vs ICICI Bank Rubyx American Express: ₹2,000), forex markup (3.5% vs 3.5%), or lounge access (2/quarter vs 2/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 2 per quarter.
Rewards ICICI Bank Rubyx American Express wins

ICICI Bank Rubyx American Express is better for rewards

ICICI Bank Rubyx American Express is stronger here. Estimated base reward value is ~1% on base spend.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Regalia: ~₹500/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	Regalia HDFC Bank	Rubyx American Express ICICI Bank
Lounge Access
Domestic lounge visits	2/quarter	2/quarter
International lounge visits Only available for Regalia	6/year	Not specified
Forex / International Use
Forex markup	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	₹3,00,000	₹3,00,000
Interest-free period Up to 50 days vs Up to 48 days	Up to 50 days	Up to 48 days
Rewards
Points per ₹100 2 pts vs 4 pts	2 pts	4 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Regalia	₹0.5	Not specified
Point validity Only available for Regalia	2 years	Not specified

Notes

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