HDFC Regalia vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia wins 8-0. Mid-tier travel without the Regalia Gold price tag. Kotak White is still the right call if mid-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | HDFC Regalia | Kotak White |
|---|---|---|
| Annual fee | ₹2,500 | · ₹3,000 |
| Joining fee | ₹2,500 | · ₹3,000 |
| Top reward rate | 2.7% (general) | · Milestone |
| Base reward rate | 2.7% | · Milestone |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | ₹300,000 / yr | · ₹500,000 / yr |
| Min income | ₹1,200,000 | · ₹2,500,000 |
| Min credit score | 770 | · N/A |
| Editorial rating | = 4.3/5 | = 4.3/5 |
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
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›HDFC Regalia vs Kotak White: which is better?
HDFC Regalia wins on more dimensions (8 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 for its best categories, Kotak White 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: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.