Kotak Urbane Gold Credit Card vs HDFC Business Regalia Credit Card

Joining Fees



Editor's Rating



Key Features

  • Avail 3X Reward Points per Rs. 100 spent across all categories
  • Pay with Reward Points at selected merchant outlets
  • Spend Rs. 1, 00,000 in a year and get 4 free PVR tickets or 10,000 reward points
  • If the Credit Card is stolen, get a cover of Rs. 50,000/- against fraudulent usage up to 7 days pre-reporting 
  • Welcome Benefit: Complimentary Annual Zomato Gold Membership when you spend Rs. 75,000 and above in the first three months. Do note the offer is not applicable for cards sourced after 20th January, 2021
  • Get 15,000 Bonus Reward Points on annual spends of Rs. 8,00,000, and get 10,000 Bonus Reward Points on annual spends of Rs. 5,00,000 
  • Spend Rs. 60,000 & above in the first 90 days to get the first-year membership fee waived off, and spend Rs. 3,00,000 in 12 Months to get Renewal Fee waived for next renewal year
  • 4 Reward Points for every Rs.150 spent on all spends
  • 5% Cashback on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining and Taxi. Note: Maximum cashback of Rs. 500 per statement on minimum monthly spends of Rs. 20,000
  • The Current Account Holders will avail double cashback on all Business essentials such as Telecom, Utility, Govt and Tax payments only up to Rs. 1000 per statement
  • Avail POS Rental Reversal on monthly spendings of Rs 30,000 on the credit card and monthly volume of Rs 25,000 on POS machine capped at Rs. 1000 per month 
  • 12 Complimentary Airport Lounge Access per calendar year within India (both at domestic and international terminals) 
  • Apply for Priority Pass for yourself and add on members upon completing minimum 4 retail transactions on the HDFC Bank Regalia Credit Card
  • Using the Priority Pass, you along with an add on member can together avail up to 6 Complimentary Lounge Access per calendar year outside India
  • Get Air Accidental death cover up to Rs 1 Cr and Emergency Overseas Hospitalization protection worth up to Rs. 15 Lakhs
  • Flight Delay cover of up to Rs 25,000 and missing of Connecting International Flight cover of up to Rs 25,000 available to the primary cardholder
  • With EasyEMI for SMEs facility, you don’t need to block your capital 
  • Purchase interiors, furniture, electronics, ACs and more in bulk with No Cost EMI offer on brands like Damro, Dash Square, Durian Industries, EVOK, Furniturewalla, Godrej Interior, Royal Oak, Stanley, The Maark Trendz, Kelvinator, Blue Star, Reliance Digital

Editor's Review


  • Earn 3X Reward Points against retail spends of Rs.100
  • Get 4 PVR tickets or 10,000 Reward Points on annual
  • This card is good for those who spend frequently on various categories like retail shopping, groceries, etc. 


  • No Golf Privileges 
  • No Concierge Services 
  • No Airport Lounge access 


  • On all foreign currency spends, avail the lowest foreign currency markup of 2% 
  • Redeem Reward Points instantly against Airline ticket booking and Hotel booking
  • Enjoy the exclusive 24/7 Concierge Service


  • Although complimentary Membership to the Priority Pass Program is offered, all Lounge visits within India using priority pass will be charged at US $27 + GST
  • Lounge Visits outside India exceeding the complimentary visits will be charged at US $27 + GST.
  • The annual fee of 2500 is moderately high

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