HDFC Regalia Gold vs Kotak White Reserve
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia Gold wins 7-0. Mid-tier travel + dining without the Diners Black price tag Kotak White Reserve is still the right call if ultra-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | HDFC Regalia Gold | Kotak White Reserve |
|---|---|---|
| Annual fee | ₹2,500 | · ₹12,500 |
| Joining fee | ₹2,500 | · ₹12,500 |
| Top reward rate | 4% (general) | · Milestone |
| Base reward rate | 4% | · Milestone |
| Forex markup | = 2% | = 2% |
| Welcome bonus | 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | · N/A |
| Fee waiver threshold | ₹400,000 / yr | · ₹1,000,000 / yr |
| Min income | = ₹1,200,000 | = Not verified |
| Min credit score | 770 | · N/A |
| 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
- Milestone White Pass rewards, up to ₹2.5 lakh value per year
- Club Marriott membership (up to 25% off dining in India, up to 20% across Asia Pacific)
- 2% forex markup
- Annual fee waived at ₹10 lakh annual spend
FAQ
›HDFC Regalia Gold vs Kotak White Reserve: which is better?
HDFC Regalia Gold wins on more dimensions (7 vs 0). 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 doesn't list a welcome bonus.