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| Key facts | HDFC Titanium Edge | ICICI Rubyx |
|---|---|---|
| Annual fee | Not listed | ₹2,000 |
| Joining fee | Not listed | ₹3,000 |
| Annual fee waived | Not listed | On ₹3 lakh annual spend |
| Top reward rate | 2 Reward Points For Every ₹200 | 4 reward points For Every ₹100 on International Spends |
| Base rewards | 2 Reward Points For Every ₹200 | 2 Reward Points on Every ₹100 Domestic Spends |
| Lounge access | Not listed | 2 airport lounge visits a quarter |
| Forex markup | Not listed | 3.5% |
From issuer benefit data, checked 5 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
The HDFC Bank Titanium Edge Credit Card MasterCard offers a straightforward rewards scheme with 2 reward points for every Rs.200 spent, without listed fees or lounge access in our data. In contrast, the ICICI Bank Rubyx Credit Card Mastercard has a higher joining fee and annual fee with a waiver option, richer reward points especially on international spends, and additional benefits like domestic lounge access and welcome vouchers.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | HDFC Bank Titanium Edge Credit Card MasterCard | ICICI Bank Rubyx Credit Card Mastercard |
|---|---|---|
| Bank | HDFC Bank | ICICI Bank |
| Network | MasterCard | MasterCard |
| Joining fee | — | Joining Fee - Rs.3000 |
| Annual / renewal fee | — | Second Year Onwards Annual Fee of Rs.2000 |
| Annual fee waiver | — | Spend Rs.3 Lakh For Waiver of Annual Fee |
| Top reward rate | Earn 2 Reward Points For Every Rs.200 | Earn 4 Rewards Points For Every Rs.100 on International Spends |
| Base rate (other spends) | — | Earn 2 Reward Points on Every Rs.100 Domestic Spends |
| Lounge — domestic | — | Enjoy 2 Complimentary Domestic Lounge Access Per Quarter |
| Fuel surcharge waiver | — | 1% Fuel Surcharge Waiver |
| Welcome benefit | — | Welcome Benefits - EaseMyTrip Voucher Worth Rs.2000 |
| Milestone benefit | — | Earn Upto 15000 Reward Points Every Anniversary Year |
| Foreign currency markup | — | 3.50% - Foreign Currency Transactions |
The ICICI Bank Rubyx Credit Card Mastercard clearly leads in rewards with accelerated points: 4 points per Rs.100 on international spends and 2 points per Rs.100 on domestic spends, plus bonus points on categories like insurance and utilities. It also offers up to 15,000 bonus points annually. The HDFC Bank Titanium Edge Credit Card MasterCard provides a flat 2 points per Rs.200 spent, which is simpler but less rewarding. For users with international or category-specific spends, Rubyx offers better value. For basic rewards without complexity, Titanium Edge suffices.
ICICI Bank Rubyx Credit Card Mastercard offers tangible travel benefits including 2 complimentary domestic lounge accesses per quarter and a 1% fuel surcharge waiver, which enhance travel convenience and savings. The HDFC Titanium Edge card does not list any lounge access or travel-related perks in our data. Thus, for frequent domestic travelers or those seeking fuel surcharge relief, Rubyx is a superior choice.
The HDFC Bank Titanium Edge Credit Card MasterCard does not list any joining or annual fees in our data, suggesting a lower cost of ownership. The ICICI Bank Rubyx Credit Card Mastercard charges a Rs.3000 joining fee and Rs.2000 annual fee thereafter, waived only if you spend Rs.3 lakh annually. Therefore, if minimizing fees is a priority, Titanium Edge is more cost-effective, while Rubyx may justify its fees through rewards and benefits if you meet the spending criteria.
The ICICI Bank Rubyx Credit Card Mastercard offers an annual fee waiver if you spend Rs.3 lakh in a year, which can reduce the effective cost for high spenders. The HDFC Bank Titanium Edge Credit Card MasterCard does not list any fee waiver conditions.
Rubyx provides welcome vouchers worth Rs.2000 from EaseMyTrip and other partners upon paying the joining fee, adding upfront value. Titanium Edge does not list any welcome benefits.
Consider HDFC Bank Titanium Edge Credit Card MasterCard if you prefer a no-fee or lower-fee credit card with straightforward rewards and do not require travel-related perks. It suits users who want simplicity without annual fee commitments.
Consider ICICI Bank Rubyx Credit Card Mastercard if you seek richer rewards, especially on international and category spends, value domestic lounge access, and welcome vouchers worth Rs.2000. It is ideal for frequent travelers and higher spenders who can offset the fees through benefits and fee waivers.
No joining or annual fees are listed in our data for the HDFC Bank Titanium Edge Credit Card MasterCard.
The annual fee of Rs.2000 from the second year onwards is waived if you spend Rs.3 lakh in the year.
The ICICI Bank Rubyx Credit Card Mastercard offers 4 reward points for every Rs.100 spent on international transactions, which is higher than the HDFC Titanium Edge's 2 points per Rs.200 spent.
The ICICI Bank Rubyx Credit Card Mastercard provides 2 complimentary domestic lounge accesses per quarter. Lounge access is not listed in our data for the HDFC Bank Titanium Edge Credit Card MasterCard.
Yes, it offers welcome vouchers worth Rs.2000 from EaseMyTrip and other partners upon paying the joining fee.
The ICICI Bank Rubyx Credit Card Mastercard offers a 1% fuel surcharge waiver. This benefit is not listed for the HDFC Bank Titanium Edge Credit Card MasterCard.