Head-to-head · 🇮🇳 India
HDFC Regalia vs Kotak White Reserve
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Regalia
VISA
Wins 6 of 10
IN
Premium
Kotak Mahindra Bank
Kotak White Reserve
VISA
Wins 3 of 10
Verdict
HDFC Regalia wins 6-3. Mid-tier travel without the Regalia Gold 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 | Kotak White Reserve |
|---|---|---|
| Annual fee | ₹2,500 | · ₹3,000 |
| Joining fee | ₹2,500 | · ₹3,000 |
| Top reward rate | · 2.7% (general) | 4% (dining) |
| Base reward rate | 2.7% | · 1.5% |
| Forex markup | · 2% | 1.99% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = 5,000 reward points + Marriott Bonvoy Silver Elite |
| Fee waiver threshold | ₹300,000 / yr | · ₹600,000 / yr |
| Min income | ₹1,200,000 | · ₹1,800,000 |
| Min credit score | 770 | · 780 |
| Editorial rating | · 4.3/5 | 4.6/5 |
Benefits compared
HDFC Regalia
- 4 reward points per ₹150
- 12 domestic + 6 international lounge visits/year
- Low forex markup 2%
- Buy-1-get-1 BookMyShow tickets
- Milestone reward points at ₹1L, ₹5L
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 vs Kotak White Reserve: which is better?
HDFC Regalia wins on more dimensions (6 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 Regalia 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: 2,500 reward points on first 90-day spend. Kotak White Reserve: 5,000 reward points + Marriott Bonvoy Silver Elite.