HDFC Regalia Gold vs Kotak Royale Signature vs RBL ShopRite
Side-by-side credit card comparison to help you choose the best one.
| Feature | HDFC Regalia Gold | Kotak Royale Signature | RBL ShopRite |
|---|---|---|---|
| Bank | HDFC Bank | Kotak Mahindra | RBL Bank |
| Annual Fee | ₹2,500 + GST | ₹999 + GST | ₹500 + GST |
| Joining Fee | ₹2,500 + GST | ₹999 + GST | Nil |
| Rewards | 4X reward points on every ₹150 spent | 4 reward points per ₹150 on all spends | 5% cashback on grocery & supermarket |
| Best For | Travel & Luxury | Travel & Entertainment | Grocery & Supermarket |
| Card Type | Premium | Premium | Cashback |
| Rating | 4.8 | 4.3 | 4 |
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)
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
RBL ShopRite
Grocery & Supermarket
- ✓ 5% cashback on grocery spends (cap ₹200/month)
- ✓ 1% cashback on all other spends
- ✓ Fuel surcharge waiver
- ✓ Easy EMI conversion on large purchases
Our Recommendation
Based on rating and overall value, HDFC Regalia Gold currently ranks highest among your selected cards.