HDFC Regalia Gold vs Kotak Royale Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Kotak Royale Signature wins 5-4. Mid-tier shopping/dining card with solid fee waiver economics. HDFC Regalia Gold is still the right call if mid-tier travel + dining without the diners black price tag.
Side-by-side
| Criterion | HDFC Regalia Gold | Kotak Royale Signature |
|---|---|---|
| Annual fee | · ₹2,500 | ₹999 |
| Joining fee | · ₹2,500 | ₹999 |
| Top reward rate | 25% (travel) | · 4% (shopping) |
| Base reward rate | 4% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 2,000 reward points worth ₹500 + Pizza Hut voucher |
| Fee waiver threshold | · ₹400,000 / yr | ₹250,000 / yr |
| Min income | · ₹1,200,000 | ₹300,000 |
| Min credit score | · 770 | 740 |
| Editorial rating | 4.6/5 | · 4/5 |
Benefits compared
HDFC Regalia Gold
- 5x reward points on travel + dining via SmartBuy
- 4 complimentary international lounge visits per year (Priority Pass)
- 12 complimentary domestic lounge visits per year
- Annual memberships: Club Vistara Silver, MMT Black Elite
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
Kotak Royale Signature
- 4 reward points per ₹150 on shopping + dining
- 1 reward point per ₹150 on other spends
- 2 complimentary domestic lounge visits per quarter
- Buy-1-get-1 movie ticket at PVR (Tuesdays)
- 1% fuel surcharge waiver
FAQ
›HDFC Regalia Gold vs Kotak Royale Signature: which is better?
Kotak Royale Signature wins on more dimensions (5 vs 4). 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 Regalia Gold for its best categories, Kotak Royale Signature for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Regalia Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher. Kotak Royale Signature: 2,000 reward points worth ₹500 + Pizza Hut voucher.