HDFC Regalia Gold vs HDFC Millennia vs Kotak Royale Signature
Side-by-side credit card comparison to help you choose the best one.
| Feature | HDFC Regalia Gold | HDFC Millennia | Kotak Royale Signature |
|---|---|---|---|
| Bank | HDFC Bank | HDFC Bank | Kotak Mahindra |
| Annual Fee | ₹2,500 + GST | ₹1,000 + GST | ₹999 + GST |
| Joining Fee | ₹2,500 + GST | ₹1,000 + GST | ₹999 + GST |
| Rewards | 4X reward points on every ₹150 spent | 5% Cashback on Amazon, Flipkart, Swiggy | 4 reward points per ₹150 on all spends |
| Best For | Travel & Luxury | Online Shopping | Travel & Entertainment |
| Card Type | Premium | Cashback | Premium |
| Rating | 4.8 | 4.6 | 4.3 |
HDFC Regalia Gold
Travel & Luxury
- ✓ Complimentary Club Marriott membership
- ✓ Complimentary flight tickets on spend milestones
- ✓ 12 domestic & 6 international lounge visits
- ✓ 1% fuel surcharge waiver (₹400-₹5000)
HDFC Millennia
Online Shopping
- ✓ 1% cashback on all offline spends
- ✓ 8 complimentary domestic lounge visits per year
- ✓ Welcome benefit of 1000 Cash Points
- ✓ Quarterly milestone rewards of ₹1000
Kotak Royale Signature
Travel & Entertainment
- ✓ 8 complimentary domestic lounge visits per year
- ✓ 2 complimentary international lounge visits
- ✓ 1% fuel surcharge waiver
- ✓ Milestone benefits on annual spending
Our Recommendation
Based on rating and overall value, HDFC Regalia Gold currently ranks highest among your selected cards.