Kotak White Reserve vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia wins 7-1. Mid-tier travel without the Regalia Gold 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 | Kotak White Reserve | HDFC Regalia |
|---|---|---|
| Annual fee | · ₹12,500 | ₹2,500 |
| Joining fee | · ₹12,500 | ₹2,500 |
| Top reward rate | · Milestone | 2.7% (general) |
| Base reward rate | · Milestone | 2.7% |
| Forex markup | = 2% | = 2% |
| Welcome bonus | · N/A | 2,500 reward points on first 90-day spend |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹300,000 / yr |
| Min income | = Not verified | = ₹1,200,000 |
| Min credit score | · N/A | 770 |
| Editorial rating | 4.6/5 | · 4.3/5 |
Benefits compared
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
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 (7 vs 1). 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 doesn't list a welcome bonus. HDFC Regalia: 2,500 reward points on first 90-day spend.