HDFC Marriott Bonvoy vs ICICI Rubyx
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI Rubyx wins 4-3. Step up from Coral, adds dual-network and milestone rewards. HDFC Marriott Bonvoy is still the right call if marriott loyalists, every ₹150 = 8 bonvoy points on marriott + 2 elsewhere..
Side-by-side
| Criterion | HDFC Marriott Bonvoy | ICICI Rubyx |
|---|---|---|
| Annual fee | · ₹3,000 | ₹2,000 |
| Joining fee | = ₹3,000 | = ₹3,000 |
| Top reward rate | 8% (travel) | · 1% (general) |
| Base reward rate | 2% | · 1% |
| Forex markup | = N/A | = 3.5% |
| Welcome bonus | = 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status | = 5,000 PAYBACK points + Tata CLiQ voucher |
| Fee waiver threshold | · ₹800,000 / yr | ₹350,000 / yr |
| Min income | · ₹1,500,000 | ₹600,000 |
| Min credit score | · 770 | 760 |
| Editorial rating | 4.5/5 | · 4/5 |
Benefits compared
HDFC Marriott Bonvoy
- 8 Bonvoy points per ₹150 on Marriott
- 4 Bonvoy points per ₹150 on travel + dining
- 2 Bonvoy points per ₹150 on everything else
- 1 free night annually at Marriott (up to 15K Bonvoy point value)
- Marriott Bonvoy Silver Elite status (15 elite night credits)
- 8 international + 8 domestic lounge visits/year
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 Marriott Bonvoy vs ICICI Rubyx: which is better?
ICICI Rubyx wins on more dimensions (4 vs 3). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use HDFC Marriott Bonvoy 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 Marriott Bonvoy: 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status. ICICI Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher.