Kotak Royale Signature Credit Card vs HDFC Regalia
Last Updated : June 29, 2021, 11:27 a.m.
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Kotak Bank and HDFC Bank issued many credit cards and it becomes confusing for the individual to choose only one card among them. All the credit cards offered by these banks have exclusive features and benefits somewhat similar to each other. So, it puts the people in dilemma to choose only one card. Therefore we have compared all the features and benefits of the Kotak Royale Signature Credit Card vs HDFC Regalia credit card so that you can choose a card. Both of them have unique offers and deals that can save some extra bucks. You must go through the offers of both cards so that you can understand the difference better.
Comparison of Kotak Royale Signature and HDFC Regalia Credit Card
You can see the comparison of both the cards in the table given below and compare their features and benefits.
| Basis of Difference | Kotak Royale Signature Credit Card | HDFC Regalia Credit Card |
|---|---|---|
| Welcome Benefits | You can redeem the reward points earned through this credit card on mobile recharge, air tickets, and at 10,000 merchandise stores through easyrewardz. | - Get a Complimentary Membership of Zomato Gold. - Enjoy a Free Dish at the partnered restaurants on every visit. - Go to the Gold Drink Partnered restaurants and get up to 2 Drinks for free. - You can enjoy the above offers after spending ₹75000 within 30 days of card issuance. |
| Milestone Benefits | There are no milestone benefits available on this Kotak Bank Credit Card . | - Reach the Milestone of ₹5 lacs and earn 10000 reward points. - Spend ₹8 Lacs in a year and get an additional 5000 reward points. |
| Lifestyle Benefits | This credit card doesn’t have any lifestyle or dining benefits. | - Get 24X7 Concierge Service Assistance on this HDFC credit card . - Enjoy the Good Food Trail Dining Program using this credit card. |
| Earn Reward Points | Multiply your reward point 4 times on every spend of ₹150. | Earn 4 reward points on every retail expenditure of ₹150. |
| Airport Lounge Access | - Enjoy complimentary access to airport lounges in India. - Get privileges such as gourmet meals, widescreen television, resting area, newspapers, magazines, free Wi-Fi facility, etc. | - Get a free 12 Airport Lounge Access in a year through this credit card. - Under Priority Program, get 6 Complimentary visits to the Lounges outside India. |
| Insurance Cover | Enjoy a cover of ₹2.5 lacs in case of the card loss and is used for any fraudulent means. | - Get an Air Accident death cover of ₹1 Crore. - Enjoy Overseas Hospitalisation Cover of up to ₹15 Lacs in case of an emergency. - Get an Insurance of Credit Liability of up to ₹9 Lacs. |
| Fuel Surcharge Waiver | - Get a Fuel surcharge waiver on using card for transactions worth ₹500 to ₹3000. - The maximum waiver is limited up to ₹3500 per year. | Get a Fuel Surcharge Discount of 1% at all the refilling stations between the transactions ₹400 to ₹5000. |
Comparison of Fees and Other Charges of these Cards
| Basis of Difference | Kotak Royale Signature Credit Card | HDFC Regalia Credit Card |
|---|---|---|
| Annual Joining Fees | NIL | ₹2500 + GST |
| Annual Renewal Fees | ₹999 + GST | ₹2500 + GST |
| Waiving Off Criteria | There is no waiving off criteria available on this credit card. | Spend ₹3 Lacs in a Year to Waive off the fees. |
Eligibility Criteria for Both the Credit Cards
| Criteria | Kotak Royale Signature Credit Card | HDFC Regalia Credit Card |
|---|---|---|
| Minimum Age of the Applicant | 21 Years | 21 Years |
| Maximum Age of the Applicant | 65 Years | 65 Years |
| Cibil Score of the Applicant | 750 and Above | 750 and Above |
| Citizenship Status of the Applicant | Must be a Citizen of India | Must be a Citizen of India |
Conclusion
These are the major differences between the Kotak Royale Signature Credit Card vs HDFC Regalia credit card. Now you can choose only one card among them. You must first analyze your needs and then it would be easy for you to decide on a credit card . Choose the card that fits the best with your monthly requirement.