HDFC Millennia Credit Card vs ICICI Bank Rubyx Credit Card
HDFC Bank · ICICI Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreVery Good
Annual Fee₹1,000
Max Reward5%
ICICI BankScoreBasic
Annual Fee₹3,000
Max RewardStandard
HDFC Millennia Credit Card leads overall with a CardCheck Score of 73/100 (+32 pts over ICICI Bank Rubyx Credit Card).
4-Pillar Head-to-Head Breakdown
HDFC vs ICICIReward Power
35%HDFC34/35
ICICI15/35
HDFC Wins
Fee Value & ROI
25%HDFC20/25
ICICI14/25
HDFC Wins
Lounge & Travel
20%HDFC11/20
ICICI4/20
HDFC Wins
Forex & Access
20%HDFC8/20
ICICI8/20
Tie (8/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 73Best
- 41
- Rating Verdict
- Very Good
- Basic
- Reward Power (35%)
- 34/35
- 15/35
- Fee Value & ROI (25%)
- 20/25
- 14/25
- Lounge & Travel (20%)
- 11/20
- 4/20
- Forex & Access (20%)
- 8/20
- 8/20
02—Basic Info
- Bank
- HDFC Bank
- ICICI Bank
- Network
- Visa, Mastercard
- Visa
- Card type
- Regular
- —
- Best for
- online shoppers
- —
03—Fees
- Joining fee
- ₹1,000Best
- ₹3,000
- Annual fee
- ₹1,000Best
- ₹3,000
- Fee waiver
- ₹1,00,000
- —
- Interest-free days
- 50
- —
04—Rewards
- Reward type
- cashback
- —
- Min rate
- 1%
- —
- Max rate
- 5%
- —
- Point value
- ₹1
- —
- Monthly cap
- ₹3,000
- —
05—Travel & Lounge
- Domestic lounge / qtr
- 0
- —
- Intl lounge / year
- 0
- —
- Priority Pass
- DreamFolks
06—Forex & Fuel
- Fuel surcharge waiver
07—Features
- Metal card
- Contactless
- UPI linked
08—Eligibility
- Min age
- 21
- —
- Min income / month
- ₹35,000
- —
- Invite only
Rows won
03of 03
00of 03
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 73Best | 41 |
| Rating Verdict | Very Good | Basic |
| Reward Power (35%) | 34/35 | 15/35 |
| Fee Value & ROI (25%) | 20/25 | 14/25 |
| Lounge & Travel (20%) | 11/20 | 4/20 |
| Forex & Access (20%) | 8/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | ICICI Bank |
| Network | Visa, Mastercard | Visa |
| Card type | Regular | — |
| Best for | online shoppers | — |
03—Fees Differences highlighted | ||
| Joining fee | ₹1,000Best | ₹3,000 |
| Annual fee | ₹1,000Best | ₹3,000 |
| Fee waiver | ₹1,00,000 | — |
| Interest-free days | 50 | — |
04—Rewards Differences highlighted | ||
| Reward type | cashback | — |
| Min rate | 1% | — |
| Max rate | 5% | — |
| Point value | ₹1 | — |
| Monthly cap | ₹3,000 | — |
05—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | — |
| Intl lounge / year | 0 | — |
| Priority Pass | ||
| DreamFolks | ||
06—Forex & Fuel Differences highlighted | ||
| Fuel surcharge waiver | ||
07—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
08—Eligibility Differences highlighted | ||
| Min age | 21 | — |
| Min income / month | ₹35,000 | — |
| Invite only | ||
| Rows won | 03of 03 | 00of 03 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | HDFC Millennia Credit Card | ICICI Bank Rubyx Credit Card |
|---|---|---|
| CardCheck Score | 73/100Very Good | 41/100Basic |
| Annual Fee | ₹1,000 | ₹3,000 |
| Fee Waiver Spend | ₹1L/yr | No waiver |
| Max Reward Potential | 5% | Standard |
| Domestic Lounge Access | None | Check terms |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose HDFC Millennia Credit Card if:
Your spending centers around online shoppers and you want direct partner rewards with HDFC Bank.
Choose ICICI Bank Rubyx Credit Card if:
You prioritize ICICI Bank's features, reward redemption catalog, and fee terms.
Frequently asked questions: HDFC Millennia Credit Card vs ICICI Bank Rubyx Credit Card
- Which is better: HDFC Millennia Credit Card or ICICI Bank Rubyx Credit Card?
- HDFC Millennia Credit Card holds a higher overall rating with a CardCheck Score of 73/100 (Very Good) compared to 41/100 (Basic) for ICICI Bank Rubyx Credit Card (a lead of +32 points). HDFC Millennia Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- HDFC Millennia Credit Card charges an annual fee of ₹1,000 with an annual spend threshold of ₹1 Lakh for renewal fee waiver. In comparison, ICICI Bank Rubyx Credit Card charges an annual fee of ₹3,000 with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between HDFC Millennia Credit Card and ICICI Bank Rubyx Credit Card?
- HDFC Millennia Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, ICICI Bank Rubyx Credit Card offers a base rate of standard and up to accelerated on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: HDFC Millennia Credit Card or ICICI Bank Rubyx Credit Card?
- HDFC Millennia Credit Card provides no complimentary domestic lounge access. On the other hand, ICICI Bank Rubyx Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- HDFC Millennia Credit Card levies a foreign currency markup fee of 3.50%, while ICICI Bank Rubyx Credit Card charges 3.50%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).