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Side-by-Side Comparison|Updated March 2026

ICICI Bank HPCL Platinum 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.

ICICI Bank

ICICI Bank HPCL Platinum Credit Card

6.2/10
Annual Fee₹199
Base Rewards0.5%
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

FeatureICICI Bank HPCL Platinum Credit CardICICI Bank Rubyx Credit Card
Annual Fee₹199₹2,000
Joining Fee₹199₹3,000
Fee Waiver Spend₹50,000₹3,00,000
Base Reward Rate0.5%0.25%
Reward CurrencyICICI Bank RewardsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating6.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank HPCL Platinum Credit Card

  • 0% on Fuel at HPCL

ICICI Bank Rubyx Credit Card

  • 0% on iShop (Travel/Vouchers)

Pros & Cons

ICICI Bank HPCL Platinum Credit Card

Pros

  • 2.5% cashback on fuel purchases at HPCL pumps (up to ₹100/month).
  • 1% fuel surcharge waiver on transactions up to ₹4,000 at HPCL.
  • ₹100 off on movie tickets twice a month via BookMyShow.
  • Low annual fee of ₹199, waived on spending ₹50,000 annually.

Cons

  • Cashback and surcharge waiver only applicable on ICICI Merchant Services swipe machines.
  • No airport lounge access benefits.
  • Low reward rate on non-fuel retail spends (0.5% value).

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

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

Choose ICICI Bank HPCL Platinum Credit Card if

Strong fuel savings at HPCL pumps for a very low annual fee.

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: ICICI Bank HPCL Platinum Credit Card or ICICI Bank Rubyx Credit Card?
ICICI Bank Rubyx Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank HPCL Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between ICICI Bank HPCL Platinum Credit Card and ICICI Bank Rubyx Credit Card?
ICICI Bank HPCL Platinum Credit Card has an annual fee of ₹199, while ICICI Bank Rubyx Credit Card has an annual fee of ₹2,000. ICICI Bank HPCL Platinum Credit Card offers a fee waiver on ₹50,000 annual spend. ICICI Bank Rubyx Credit Card offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: ICICI Bank HPCL Platinum Credit Card or ICICI Bank Rubyx Credit Card?
ICICI Bank HPCL Platinum Credit Card offers a base reward rate of 0.5% with accelerated rewards on Fuel at HPCL. 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 ICICI Bank HPCL Platinum Credit Card and ICICI Bank Rubyx Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank HPCL Platinum Credit Card and ICICI Bank Rubyx Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank HPCL Platinum Credit Card or ICICI Bank Rubyx Credit Card?
For beginners, ICICI Bank HPCL Platinum Credit Card may be more approachable with a lower annual fee of ₹199. However, evaluate based on your expected spending pattern rather than fee alone.

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