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Regalia Gold vs Kotak Zen Signature – Full comparison
Both cards verified with issuer
Regalia Gold source Kotak Zen Signature sourceForex costs are a key difference
Key differences
Best forex Regalia Gold 2%
Lowest fee Kotak Zen Signature ₹1,500
Best lounge Regalia Gold 12/year lounge
Spend context
At ₹50k/month spend:
- Regalia Gold: ~₹670/month at base rate
- Kotak Zen Signature: Base earn not clearly specified
Approximate, based on base rates (before caps).
| Regalia Gold HDFC | Kotak Zen Signature KOTAK | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 3/quarter vs 8/year | 3/quarter | 8/year |
| International lounge visits 6/year vs 3/year | 6/year | 3/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 2% vs 3.5% | 2% | 3.5% |
| Fees | ||
| Annual fee ₹2,500 vs ₹1,500 | ₹2,500 | ₹1,500 |
| Joining fee ₹2,500 vs ₹1,500 | ₹2,500 | ₹1,500 |
| Fee waiver spend Only available for Regalia Gold | ₹3,00,000 | Not clearly specified |
| Rewards | ||
| Points per ₹150 4 pts vs 8 pts | 4 pts | 8 pts |
| Point cash value Only available for Regalia Gold | ₹0.5 | Check issuer |
Notes
- HDFC Regalia Gold Credit Card: Spend-gated in current HDFC policy; verify live eligibility in bank app
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
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Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.