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 Bank |
| Annual Fee | ₹2,500 | ₹1,000 | ₹999 |
| Joining Fee | ₹2,500 | ₹1,000 | ₹999 |
| Rewards | 4X reward points on all spends | 5% cashback on Amazon, Flipkart | 4 reward points per ₹150 |
| Best For | Travel & Lifestyle | Online Shopping | Lifestyle |
| Card Type | Premium | Cashback | Premium |
| Rating | 4.5 | 4.2 | 4.1 |
HDFC Regalia Gold
Travel & Lifestyle
- ✓ Airport lounge access
- ✓ Travel insurance
- ✓ Fuel surcharge waiver
- ✓ Milestone benefits
HDFC Millennia
Online Shopping
- ✓ 5% cashback online
- ✓ 1% cashback offline
- ✓ Welcome voucher ₹1,000
- ✓ No annual fee on ₹1L spend
Kotak Royale Signature
Lifestyle
- ✓ Lounge access
- ✓ Movie offers
- ✓ Dining discounts
- ✓ Insurance cover
Our Recommendation
Based on rating and overall value, HDFC Regalia Gold currently ranks highest among your selected cards. Choose based on your actual spend pattern: travel, shopping, cashback, or premium benefits.