HDFC Regalia Gold vs Kotak Privy League Signature
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC Regalia Gold wins 3 of 8 dimensions with a CardTrail Score of 8.7/10 vs 8.2/10.
| Feature | HDFC Regalia Gold | Kotak Privy League Signature |
|---|---|---|
| CardTrail Score | 8.7/10 | 8.2/10 |
| Annual Fee | ₹2,500 | ₹2,500 |
| Base Reward Rate | 1.73% | 1% |
| Max Reward Rate | 3.3% | 3% |
| Forex Markup | 2% | 2% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 4 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa Signature |
When to Choose HDFC Regalia Gold
- You can meet the fee waiver condition: Spend ₹3L/year
- You want higher rewards — up to 3.3% vs 3%
- Your primary spend is: travel, dining, general
When to Choose Kotak Privy League Signature
- You can meet the fee waiver condition: Spend ₹4L/year
- Your primary spend is: travel, general
Annual Fee Value Analysis
To break even on HDFC Regalia Gold's ₹2,500 fee at 1.73% rewards, spend ₹12,042/month.
To break even on Kotak Privy League Signature's ₹2,500 fee at 1% rewards, spend ₹20,833/month.