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HDFC Bank Regalia Gold Credit Card VS Kotak Zen Signature Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

HDFC Bank Regalia Gold Credit Card
HDFC Bank Regalia Gold Credit Card
Kotak Zen Signature Credit Card
Kotak Zen Signature Credit Card

Fees & Charges

Joining Fee
₹2,500 + GST
₹1,500 + GST
Renewal Fee
₹2,500 + GST
₹1,500 + GST
Spend Based Waiver
Renewal Fee waived upon spending ₹4 Lakhs in an anniversary year (12 billing cycles).
Annual fee waiver on annual retail spends of ₹1,50,000 or above.
Foreign Transaction Fees
2% + GST applies on all international foreign currency transactions.
3.5%
Interest Rate (APR)
Revolving credit interest rate is 3.75% per month, equating to 45% annually.
3.75% Per Month (45% Per Annum)

Rewards & Benefits

Welcome Bonus
₹2,500 gift voucher. Complimentary Swiggy One and MMTBLACK Gold Membership on ₹1 Lakh spend in 90 days.
Receive 1500 Zen points (equivalent to ₹375) as a welcome gift upon paying the joining fee.
Rewards Rate
Earn 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S.
Earn 10 Zen Points/₹150 on shopping; 5 Zen Points/₹150 on other spends. Capped at 6,500 points/billing cycle.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST is charged per redemption of reward points.
Nil

Travel & Lifestyle

Domestic Lounge Access
12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards.
8 complimentary domestic lounge accesses per year, with 2 per quarter on ₹75,000 spend in prior quarter.
International Lounge Access
6 complimentary international lounge visits per year via Priority Pass for primary & add-on members.
3 complimentary international lounge accesses per calendar year for primary cardholder, after 4 purchase transactions.
Travel Benefits
Offers extensive travel perks including flight vouchers, discounts, and complimentary lounge access.
Enjoy 1.8% railway surcharge waiver on www.irtc.co.in and 2.5% on booking counters, max ₹500 annually.
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
FLAT 10% EXTRA OFF at 35,000+ restaurants. Get ₹200 Off on Swiggy Dineout twice monthly.
Not Applicable
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
Not Applicable for fuel transactions with this HDFC Bank Regalia Gold Credit Card.
1% waiver on transactions ₹500-₹3000 (max ₹3500 annually). W.e.f. June 2025: ₹500-₹5000.

Security & Other

Insurance Benefits
₹1 Cr air death cover, ₹15 Lakhs overseas hospitalization, ₹9 Lakhs credit liability cover.
Not Applicable
Cash Advance Charges
Either 2.5% of amount or ₹500, whichever of these two values is higher.
2.5% or a minimum of ₹500.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Regalia Gold Credit Card

Kotak Zen Signature Credit Card

Who is it for?

The HDFC Bank Regalia Gold Credit Card is a premium lifestyle card designed for high-spenders, offering exclusive travel and shopping benefits. It provides strong reward rates, complimentary lounge access, and valuable milestone rewards, making it ideal for maximizing value on significant expenses. This card offers a comprehensive suite of features for a discerning clientele.

Who is it for?

The Kotak Zen Signature Credit Card offers exclusive shopping, travel, and milestone benefits. It provides accelerated Zen points on shopping categories and complimentary airport lounge access, making it ideal for avid shoppers and frequent travelers. With valuable milestone rewards and flexible redemption options, it enhances your lifestyle. Its annual fee can be waived based on spend, offering substantial value and convenience.

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.

Enjoy up to 8 complimentary domestic and 3 international lounge accesses annually.

Benefit from accelerated Zen points on shopping, especially for apparels, lifestyle, and jewelry.

Receive valuable welcome benefits with 1500 Zen points upon paying the joining fee.

Achieve significant milestone rewards, earning up to 15,000 bonus Zen points annually.

Flexible redemption options allow converting Zen points to vouchers, discounts, or cash.

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 points are capped at 6,500 per billing cycle, limiting earning potential for high spenders.

Several spend categories like fuel, rent, and wallet loads do not earn any reward points.

Upcoming changes will cap rewards on education, insurance, and utility spends from June 2025.

Domestic lounge access is spend-based, requiring ₹75,000 quarterly for complimentary visits.

International lounge access requires 4 purchase transactions to unlock complimentary visits.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.