HDFC Regalia vs Kotak White Reserve
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Kotak White Reserve Credit Card wins 5 of 8 dimensions with a CardTrail Score of 8.4/10 vs 8.3/10.
| Feature | HDFC Regalia | Kotak White Reserve |
|---|---|---|
| CardTrail Score | 8.3/10 | 8.4/10 |
| Annual Fee | ₹2,500 | ₹12,500 |
| Base Reward Rate | 1.3% | 2% |
| Max Reward Rate | 13% | 5% |
| Forex Markup | 3.5% | 2% |
| Domestic Lounges | 8 | Unlimited |
| International Lounges | 6 | Unlimited |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa Infinite |
When to Choose HDFC Regalia
- You can meet the fee waiver condition: Spend ₹3L/year
- You want higher rewards — up to 13% vs 5%
- Your primary spend is: travel, dining
When to Choose Kotak White Reserve
- You can meet the fee waiver condition: Spend ₹10L/year
- You travel internationally — saves ₹1,500/year on ₹1L forex spend
- Airport lounge access matters — unlimited domestic visits
- Your primary spend is: travel, luxury
Forex Cost Comparison
On ₹1,00,000 annual international spending: HDFC Regalia costs ₹4,130 in forex fees vs Kotak White Reserve at ₹2,360. You save ₹1,770/year with Kotak White Reserve.
Annual Fee Value Analysis
To break even on HDFC Regalia's ₹2,500 fee at 1.3% rewards, spend ₹16,026/month.
To break even on Kotak White Reserve's ₹12,500 fee at 2% rewards, spend ₹52,083/month.