HDFC Regalia Gold vs Kotak White Reserve
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia Gold wins 7-1. Mid-tier travel + dining without the Diners Black price tag Kotak White Reserve is still the right call if premium dining + travel without breaking the ₹3k-fee tier..
Side-by-side
| Criterion | HDFC Regalia Gold | Kotak White Reserve |
|---|---|---|
| Annual fee | ₹2,500 | · ₹3,000 |
| Joining fee | ₹2,500 | · ₹3,000 |
| Top reward rate | 25% (travel) | · 4% (dining) |
| Base reward rate | 4% | · 1.5% |
| Forex markup | · 2% | 1.99% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 5,000 reward points + Marriott Bonvoy Silver Elite |
| Fee waiver threshold | ₹400,000 / yr | · ₹600,000 / yr |
| Min income | ₹1,200,000 | · ₹1,800,000 |
| Min credit score | 770 | · 780 |
| Editorial rating | = 4.6/5 | = 4.6/5 |
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 White Reserve
- 4 reward points/₹100 on dining + travel
- 6 international Priority Pass visits/year
- 24 domestic lounge visits/year (DragonPass)
- Marriott Bonvoy Silver Elite included
- 1.99% forex markup
FAQ
›HDFC Regalia Gold vs Kotak White Reserve: which is better?
HDFC Regalia Gold wins on more dimensions (7 vs 1). 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 White Reserve 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 White Reserve: 5,000 reward points + Marriott Bonvoy Silver Elite.