Head-to-head · 🇮🇳 India
Kotak White Reserve vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
Kotak Mahindra Bank
Kotak White Reserve
VISA
Wins 3 of 10
IN
HDFC Bank
HDFC Regalia
VISA
Wins 6 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 | Kotak White Reserve | HDFC Regalia |
|---|---|---|
| Annual fee | · ₹3,000 | ₹2,500 |
| Joining fee | · ₹3,000 | ₹2,500 |
| Top reward rate | 4% (dining) | · 2.7% (general) |
| Base reward rate | · 1.5% | 2.7% |
| Forex markup | 1.99% | · 2% |
| Welcome bonus | = 5,000 reward points + Marriott Bonvoy Silver Elite | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | · ₹600,000 / yr | ₹300,000 / yr |
| Min income | · ₹1,800,000 | ₹1,200,000 |
| Min credit score | · 780 | 770 |
| Editorial rating | 4.6/5 | · 4.3/5 |
Benefits compared
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
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 White Reserve vs HDFC Regalia: 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 Kotak White Reserve 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 White Reserve: 5,000 reward points + Marriott Bonvoy Silver Elite. HDFC Regalia: 2,500 reward points on first 90-day spend.