Kotak Royale Signature vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Kotak Royale Signature wins 6-3. Mid-tier shopping/dining card with solid fee waiver economics. HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | Kotak Royale Signature | HDFC Regalia |
|---|---|---|
| Annual fee | ₹999 | · ₹2,500 |
| Joining fee | ₹999 | · ₹2,500 |
| Top reward rate | 4% (shopping) | · 2.7% (general) |
| Base reward rate | · 1% | 2.7% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = 2,000 reward points worth ₹500 + Pizza Hut voucher | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | ₹250,000 / yr | · ₹300,000 / yr |
| Min income | ₹300,000 | · ₹1,200,000 |
| Min credit score | 740 | · 770 |
| Editorial rating | · 4/5 | 4.3/5 |
Benefits compared
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
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
FAQ
›Kotak Royale Signature vs HDFC Regalia: which is better?
Kotak Royale Signature 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 Kotak Royale Signature for its best categories, HDFC Regalia for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Kotak Royale Signature: 2,000 reward points worth ₹500 + Pizza Hut voucher. HDFC Regalia: 2,500 reward points on first 90-day spend.