HDFC Regalia Credit Card vs Kotak NRI Royale Signature Credit Card

Joining Fees



Editor's Rating



Key Features

  • Airport Lounge Access within and outside India
  • Experience unique delicacies through Good Food Trail dining program at premium restaurants across top cities.
  • On retail spends including Insurance, Utilities, Education and Rent Pay, earn 4 reward points on Rs. 150.
  • Earn additional 5,000 Reward Points when achieving annual spends of Rs. 8 lakhs.
  • Emergency overseas hospitalization up to Rs. 15 lakhs in case of emergency
  • Avail 2X rewards on spends outside India; i.e. avail 2 rewards points for every Rs. 200 spent
  • Fuel Surcharge Waiver 
  • Railway Surcharge Waiver 
  • NRI Royale Shield

Editor's Review


  • Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs.
  • Accidental air death cover worth Rs. 1 Crore
  • Fuel Surcharge Waiver



  • Slightly high Annual Fee
  • No golf/coaching sessions


  • This card is good for Indians who are residing overseas
  • Freedom to purchase and pay in INR
  • Complimentary access to Airport Lounges in India 


  • No Golf Privileges 
  • No Concierge Services 
  • This card isn’t good for those who desire a low foreign currency mark up card

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