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Side-by-Side Comparison|Updated March 2026

HDFC Bank Millennia Credit Card 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 Millennia Credit Card

8.5/10
Annual Fee₹1,000
Base Rewards1%
NetworkVisa
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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 Millennia Credit CardICICI Bank Rubyx Credit Card
Annual Fee₹1,000₹2,000
Joining Fee₹1,000₹3,000
Fee Waiver Spend₹1,00,000₹3,00,000
Base Reward Rate1%0.25%
Reward CurrencyCashPointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating8.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Millennia Credit Card

  • 0% on Special Rate

ICICI Bank Rubyx Credit Card

  • 0% on iShop (Travel/Vouchers)

Pros & Cons

HDFC Bank Millennia Credit Card

Pros

  • 5% cashback on 10 major online merchants including Amazon, Flipkart, and Swiggy
  • 1:1 redemption ratio for CashPoints against statement credit
  • Achievable annual fee waiver at ₹1 Lakh annual spend
  • 1,000 CashPoints welcome benefit effectively offsets the joining fee

Cons

  • Monthly cashback capped at ₹1,000 for the 5% category
  • Lounge access is now spend-based (₹1 Lakh per quarter)
  • Excludes rent, fuel, and government transactions from rewards

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 Millennia Credit Card 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 Millennia Credit Card if

High 5% cashback on popular platforms like Amazon, Flipkart, and Zomato.

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 Millennia Credit Card or ICICI Bank Rubyx Credit Card?
HDFC Bank Millennia Credit Card 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 Millennia Credit Card and ICICI Bank Rubyx Credit Card?
HDFC Bank Millennia Credit Card has an annual fee of ₹1,000, while ICICI Bank Rubyx Credit Card has an annual fee of ₹2,000. HDFC Bank Millennia Credit Card offers a fee waiver on ₹1,00,000 annual spend. ICICI Bank Rubyx Credit Card offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: HDFC Bank Millennia Credit Card or ICICI Bank Rubyx Credit Card?
HDFC Bank Millennia Credit Card offers a base reward rate of 1% with accelerated rewards on Special Rate. 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 Millennia Credit Card and ICICI Bank Rubyx Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Millennia Credit Card and ICICI Bank Rubyx Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Millennia Credit Card or ICICI Bank Rubyx Credit Card?
For beginners, HDFC Bank Millennia Credit Card may be more approachable with a lower annual fee of ₹1,000. However, evaluate based on your expected spending pattern rather than fee alone.

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