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Side-by-Side Comparison|Updated March 2026

ICICI Bank Rubyx Credit Card vs HDFC Bank MoneyBack+ 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 Rubyx Credit Card

7.2/10
Annual Fee₹2,000
Base Rewards0.25%
NetworkVisa
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HDFC Bank

HDFC Bank MoneyBack+ Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.33333333333333337%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureICICI Bank Rubyx Credit CardHDFC Bank MoneyBack+ Credit Card
Annual Fee₹2,000₹500
Joining Fee₹3,000₹500
Fee Waiver Spend₹3,00,000₹50,000
Base Reward Rate0.25%0.33333333333333337%
Reward CurrencyICICI Bank Reward PointsCashPoints
NetworkVisaVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank Rubyx Credit Card

  • 0% on iShop (Travel/Vouchers)

HDFC Bank MoneyBack+ Credit Card

  • 0.83% on Partner Merchants (Amazon, ... — 2500 pts/month
  • 0.42% on EMI Spends (Merchant Locati... — 2500 pts/month

Pros & Cons

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.

HDFC Bank MoneyBack+ Credit Card

Pros

  • 10X CashPoints (3.3% value back) on major platforms like Amazon, Flipkart, and Swiggy.
  • Low annual fee of ₹500, easily waived with a modest annual spend of ₹50,000.
  • Quarterly milestone benefit of ₹500 gift voucher on spending ₹50,000.
  • RuPay variant allows for UPI payments with reward point earnings.

Cons

  • No complimentary domestic or international airport lounge access.
  • Monthly capping of 2,500 CashPoints on accelerated 10X categories limits high spenders.
  • Low base reward rate of 0.33% (2 points per ₹150) on non-partner spends.

Our Verdict

Both ICICI Bank Rubyx Credit Card and HDFC Bank MoneyBack+ Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose ICICI Bank Rubyx Credit Card if

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

Choose HDFC Bank MoneyBack+ Credit Card if

Low income eligibility and simple reward structure make it an excellent entry-level card.

Frequently Asked Questions

Which is better: ICICI Bank Rubyx Credit Card or HDFC Bank MoneyBack+ Credit Card?
Both ICICI Bank Rubyx Credit Card and HDFC Bank MoneyBack+ Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between ICICI Bank Rubyx Credit Card and HDFC Bank MoneyBack+ Credit Card?
ICICI Bank Rubyx Credit Card has an annual fee of ₹2,000, while HDFC Bank MoneyBack+ Credit Card has an annual fee of ₹500. ICICI Bank Rubyx Credit Card offers a fee waiver on ₹3,00,000 annual spend. HDFC Bank MoneyBack+ Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: ICICI Bank Rubyx Credit Card or HDFC Bank MoneyBack+ Credit Card?
ICICI Bank Rubyx Credit Card offers a base reward rate of 0.25% with accelerated rewards on iShop (Travel/Vouchers). HDFC Bank MoneyBack+ Credit Card offers 0.33333333333333337% base rewards with bonuses on Partner Merchants (Amazon, ... and EMI Spends (Merchant Locati.... The better choice depends on your primary spending categories.
Can I have both ICICI Bank Rubyx Credit Card and HDFC Bank MoneyBack+ Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Rubyx Credit Card and HDFC Bank MoneyBack+ Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank Rubyx Credit Card or HDFC Bank MoneyBack+ Credit Card?
For beginners, HDFC Bank MoneyBack+ Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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