HDFC Diners Club Black vs ICICI Rubyx
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI Rubyx wins 5-3. Step up from Coral, adds dual-network and milestone rewards. HDFC Diners Club Black is still the right call if frequent travelers spending ₹2l+/month.
Side-by-side
| Criterion | HDFC Diners Club Black | ICICI Rubyx |
|---|---|---|
| Annual fee | · ₹10,000 | ₹2,000 |
| Joining fee | · ₹10,000 | ₹3,000 |
| Top reward rate | 3.3% (general) | · 1% (general) |
| Base reward rate | 3.3% | · 1% |
| Forex markup | = N/A | = 3.5% |
| Welcome bonus | = Annual fee waiver + 10,000 reward points | = 5,000 PAYBACK points + Tata CLiQ voucher |
| Fee waiver threshold | · ₹500,000 / yr | ₹350,000 / yr |
| Min income | · ₹1,750,000 | ₹600,000 |
| Min credit score | · 800 | 760 |
| Editorial rating | 4.8/5 | · 4/5 |
Benefits compared
HDFC Diners Club Black
- 10x reward points on SmartBuy partners (flights, hotels)
- 6 complimentary international lounge visits per quarter (Priority Pass)
- Unlimited domestic lounge access
- 2 complimentary golf rounds per month at 280+ courses
- Annual memberships: Amazon Prime, Swiggy One, Disney+ Hotstar, Times Prime
ICICI Rubyx
- Dual-network (Visa + Amex one card)
- 4 international + 6 domestic lounge visits/year
- 15% off Culinary Treats
- 25% off movie tickets
- Comprehensive insurance
FAQ
›HDFC Diners Club Black vs ICICI Rubyx: which is better?
ICICI Rubyx wins on more dimensions (5 vs 3). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use HDFC Diners Club Black for its best categories, ICICI Rubyx for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Diners Club Black: Annual fee waiver + 10,000 reward points. ICICI Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher.