Kotak Royale Signature Credit Card vs HDFC Regalia Card
Last Updated : March 28, 2025, 11:53 a.m.
Choosing the right premium credit card can be overwhelming, especially with options like the Kotak Royale Signature Credit Card and the HDFC Regalia Credit Card , both of which offer a range of exclusive benefits. The Kotak Royale Signature Credit Card is known for its accelerated reward points, fuel and railway surcharge waivers, and priority assistance, making it ideal for frequent shoppers and travelers. On the other hand, the HDFC Regalia Credit Card stands out with its superior travel perks, including complimentary airport lounge access, comprehensive insurance coverage, and an extensive rewards program. While both cards cater to premium customers, their features vary, making it important to choose one that aligns with your financial goals. This article presents a detailed comparison to help you decide which card suits your lifestyle best. After you choose a credit card and apply for it, check your CIBIL score online at Wishfin. Your credit score is a very important eligibility criteria that lenders look into before approving your credit card application.
Kotak Royale Signature Credit Card Vs HDFC Regalia Credit Card - Comparison
You can see the comparison of both the cards in the table given below and compare their features and benefits.
| Parameter | Kotak Royale Signature Credit Card | HDFC Regalia Credit Card |
|---|---|---|
Joining fee | Nil | Rs. 2500 plus taxes |
Annual fee | Rs. 999 | Rs. 2,500 + taxes |
Annual fee waiver | Waived on spending Rs. 1 lakh annually | Waived on spending Rs. 3 lakhs annually. |
Reward points |
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Rewards redemption |
| Redeem points on the SmartBuy portal.
|
Milestone Benefits |
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Lounge Access | 2 complimentary domestic lounge accesses per quarter (8 per year) |
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Comprehensive Air travel insurance cover | Air Accident Cover – The card offers an air accident insurance cover of up to Rs. 1.25 crore, ensuring financial security for the cardholder’s family in the unfortunate event of an air accident. Lost Baggage Cover – If the cardholder’s checked-in baggage is lost during air travel, the insurance provides compensation to cover the loss. Loss of Passport – In case of passport loss while traveling abroad, the insurance provides financial assistance to help in obtaining a replacement. Flight Delay Cover – If a flight is delayed beyond a certain duration, the cardholder may be eligible for compensation to cover incidental expenses. Trip Cancellation and Interruption Cover – The insurance may offer coverage in case a trip is canceled or interrupted due to unforeseen reasons like medical emergencies, natural disasters, or other eligible circumstances. | The HDFC Bank Regalia Credit Card offers comprehensive air travel insurance coverage, providing cardholders with financial protection during their journeys. The key insurance benefits include:
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Other insurance benefits |
Covers high-value purchases made using the card against damage or loss due to fire, theft, or burglary.
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Fuel surcharge waiver |
| 1% waiver on transactions between Rs. 400 and Rs. 5,000 |
Railway Surcharge Waiver |
| Not applicable |
Welcome Benefits | Not applicable | 2500 reward points on successful payment of joining fees. |
Dining Benefits |
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Eligibility |
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Kotak Royale Signature Credit Card vs HDFC Regalia Credit Card - Which Card is the Best to Choose?
When choosing between the Kotak Royale Signature Credit Card and the HDFC Regalia Credit Card, the decision depends on your spending habits and lifestyle preferences. The HDFC Regalia Credit Card is better suited for frequent travelers, offering superior benefits such as 12 domestic and 6 international airport lounge visits annually, lower forex markup fees (2%), and comprehensive travel insurance, including air accident coverage. It also provides a higher reward rate, especially on travel and dining. However, it comes with a higher annual fee of Rs. 2,500, waived on spending Rs.. 3 lakh annually. On the other hand, the Kotak Royale Signature Credit Card is more affordable, with a ₹999 annual fee (waived on ₹1 lakh spend) and a decent reward structure, making it a good choice for moderate spenders who seek basic travel perks and rewards. If international travel, lounge access, and premium benefits matter to you, HDFC Regalia is the better choice, while Kotak Royale Signature is ideal for those who prefer a lower fee with steady benefits.
Note: HDFC Bank is no longer accepting applications for Regalia Credit Card, existing cardholders can continue using the card. The content on this page about the card is only for informational purposes.
Frequently Asked Questions (FAQs)
