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Side-by-Side Comparison|Updated March 2026

HDFC Bank Diners Club Black Metal Edition vs ICICI Bank Rubyx Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

HDFC Bank Diners Club Black Metal Edition

9.2/10
Annual Fee₹10,000
Base Rewards0.9990000000000001%
NetworkDiners Club
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ICICI Bank

ICICI Bank Rubyx Credit Card

7.2/10
Annual Fee₹2,000
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank Diners Club Black Metal EditionICICI Bank Rubyx Credit Card
Annual Fee₹10,000₹2,000
Joining Fee₹10,000₹3,000
Fee Waiver Spend₹8,00,000₹3,00,000
Base Reward Rate0.9990000000000001%0.25%
Reward CurrencyReward PointsICICI Bank Reward Points
NetworkDiners ClubVisa
Editor Rating9.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Diners Club Black Metal Edition

  • 0% on SmartBuy Hotels
  • 0% on SmartBuy Flights
  • 0% on Weekend Dining

ICICI Bank Rubyx Credit Card

  • 0% on iShop (Travel/Vouchers)

Pros & Cons

HDFC Bank Diners Club Black Metal Edition

Pros

  • Unlimited domestic and international lounge access for both primary and add-on cardholders.
  • High base reward rate of 3.33% (5 RP per ₹150) with 1:1 redemption on flights and hotels.
  • Generous quarterly milestone of 10,000 bonus points on ₹4 Lakhs spend.
  • Complimentary annual memberships of Amazon Prime, Swiggy One, and Club Marriott on meeting spend criteria.

Cons

  • Diners Club network acceptance can be lower than Visa/Mastercard in smaller offline stores.
  • No fuel surcharge waiver, which is a downgrade from the plastic version.
  • High annual fee of ₹10,000 with a steep waiver threshold of ₹8 Lakhs.

ICICI Bank Rubyx Credit Card

Pros

  • Dual card advantage: Benefits from two networks (Amex and Mastercard/Visa) on a single account.
  • Welcome vouchers worth ₹5,000+ covering travel and shopping, exceeding the joining fee.
  • Complimentary golf rounds (up to 2 per month) based on retail spends of ₹50,000.
  • 25% discount on movie tickets twice a month on both BookMyShow and INOX.

Cons

  • Lounge access is spend-linked (requires ₹75,000 spend in the previous quarter).
  • No complimentary international airport lounge access.
  • Low base reward rate of 0.5% (2 points per ₹100) compared to competitors.

Our Verdict

HDFC Bank Diners Club Black Metal Edition edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Rubyx Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose HDFC Bank Diners Club Black Metal Edition if

Unlimited global lounge access for self and add-on members plus low forex markup.

Choose ICICI Bank Rubyx Credit Card if

Offers a mix of golf, movies, and dining discounts through the Culinary Treats program.

Frequently Asked Questions

Which is better: HDFC Bank Diners Club Black Metal Edition or ICICI Bank Rubyx Credit Card?
HDFC Bank Diners Club Black Metal Edition edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Rubyx Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Diners Club Black Metal Edition and ICICI Bank Rubyx Credit Card?
HDFC Bank Diners Club Black Metal Edition has an annual fee of ₹10,000, while ICICI Bank Rubyx Credit Card has an annual fee of ₹2,000. HDFC Bank Diners Club Black Metal Edition offers a fee waiver on ₹8,00,000 annual spend. ICICI Bank Rubyx Credit Card offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: HDFC Bank Diners Club Black Metal Edition or ICICI Bank Rubyx Credit Card?
HDFC Bank Diners Club Black Metal Edition offers a base reward rate of 0.9990000000000001% with accelerated rewards on SmartBuy Hotels and SmartBuy Flights. ICICI Bank Rubyx Credit Card offers 0.25% base rewards with bonuses on iShop (Travel/Vouchers). The better choice depends on your primary spending categories.
Can I have both HDFC Bank Diners Club Black Metal Edition and ICICI Bank Rubyx Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Diners Club Black Metal Edition and ICICI Bank Rubyx Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Diners Club Black Metal Edition or ICICI Bank Rubyx Credit Card?
For beginners, ICICI Bank Rubyx Credit Card may be more approachable with a lower annual fee of ₹2,000. However, evaluate based on your expected spending pattern rather than fee alone.

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