HDFC Bank Regalia Credit Card VS Kotak NRI Royale Signature Credit Card
Both Kotak NRI Royale Signature Credit Card and HDFC Bank Regalia Credit Card suit international spends-focused spenders, but they earn and cost differently. Kotak NRI Royale Signature Credit Card is lifetime-free and earns 2 points per Rs. 200 on international spends; 1 point per Rs. 200 on domestic spends. HDFC Bank Regalia Credit Card costs ₹2,500 + GST and earns 4 Reward Points on every Rs. 150 spent on retail. Kotak NRI Royale Signature Credit Card also brings 2 complimentary visits every quarter to select domestic lounges in India, while HDFC Bank Regalia Credit Card counters with 8 complimentary accesses per year, spend-based (Rs. 1 lakh per quarter for 2 vouchers). Weigh the fee against the reward rate above to see which fits your spending pattern better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
HDFC Bank Regalia Credit Card
Kotak NRI Royale Signature Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
Generous welcome bonus reward points and a competitive reward rate.
Low foreign exchange markup fee of 2% on international transactions.
Complimentary domestic and international lounge access with Priority Pass.
Significant milestone benefits with bonus reward points on annual spending.
Pros
Key benefits and features.
Accelerated rewards: 2 reward points per Rs. 200 on international spends.
High redemption value: 1 Reward Point = Re 1/-, making rewards highly valuable.
Complimentary domestic airport lounge access with 2 visits per quarter for travelers.
Avoids foreign card mark-up fees when paying in INR during visits to India.
Fuel and railway surcharge waivers provide significant annual savings.
Cons
Key drawbacks and limitations.
Other HDFC cards might offer better benefits or redemption options.
Many spend categories like fuel, rentals, and government spends do not earn reward points.
Reward points have an expiry period of 2 years from the date of accumulation.
Domestic lounge access is spend-based, requiring Rs. 1 lakh spend per quarter.
Cons
Key drawbacks and limitations.
The card charges an annual fee of Rs. 1,000/-, which is not waived based on spend.
A one-time fee of Rs. 599/- applies for each add-on card issued to family members.
Waivers for fuel and railway surcharges come with annual limits, restricting total savings.
Lounge access is restricted to domestic airports in India and has a quarterly cap.