HDFC Bank Regalia Gold Credit Card VS Kotak Zen Signature Credit Card
Both HDFC Bank Regalia Gold Credit Card and Kotak Zen Signature Credit Card suit travel-focused spenders, but they earn and cost differently. HDFC Bank Regalia Gold Credit Card costs ₹2,500 + GST and earns 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S. Kotak Zen Signature Credit Card costs ₹1,500 + GST and earns 10 Zen Points/₹150 on shopping; 5 Zen Points/₹150 on other spends. Capped at 6,500 points/billing cycle. HDFC Bank Regalia Gold Credit Card also brings 12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards, while Kotak Zen Signature Credit Card counters with 8 complimentary domestic lounge accesses per year, with 2 per quarter on ₹75,000 spend in prior quarter. If travel spending matters more, go with HDFC Bank Regalia Gold Credit Card; if shopping is the priority, Kotak Zen Signature Credit Card fits better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
HDFC Bank Regalia Gold Credit Card
Kotak Zen Signature Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
Access to exclusive 24/7 concierge service for all travel and lifestyle assistance needs.
Generous lounge access with 12 domestic and 6 international visits annually for cardholders.
Strong reward rates, including 5X accelerated points on preferred partner brands like Nykaa.
Flexible redemption options for flights, hotels, vouchers, airmiles, and even cashback.
Comprehensive insurance benefits covering air death, overseas hospitalization, and credit cover.
Pros
Key benefits and features.
Accelerated rewards on shopping categories like apparel and lifestyle goods.
Complimentary domestic and international lounge access enhances travel experiences.
Significant bonus Zen Points are awarded upon reaching annual spending milestones.
Annual fee waiver is easily achievable with moderate yearly retail spending.
Offers a valuable railway surcharge waiver, beneficial for frequent train travelers.
Cons
Key drawbacks and limitations.
A redemption fee of ₹99 + GST is applicable on all reward point redemptions made.
The annual renewal fee waiver requires a relatively high annual spend of ₹4 Lakhs.
Reward point accrual has maximum caps on grocery and insurance transactions monthly.
Cons
Key drawbacks and limitations.
Reward point earnings are capped at 6,500 points per billing cycle.
Upcoming changes will discontinue Zen Points on fuel, rent, and wallet loads.
Domestic lounge access becomes spend-based from June 2025, requiring quarterly spends.
High foreign currency markup of 3.5% makes international spends less rewarding.
Zen Points on education, insurance, utility, and government spends will be capped.