Side-by-side · honest numbers
HDFC Bharat Cashback Credit Card vs HDFC Regalia Gold vs Kotak White Credit Card
Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, HDFC Regalia Gold, Kotak White Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Regalia Gold ranks first for estimated net annual value — ahead of HDFC Bharat Cashback Credit Card by about ₹126/yr.
| Feature | HDFC Bharat Cashback Credit Card HDFC Bank | HDFC Regalia Gold HDFC Bank | Kotak White Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹2,500 | ₹3,000 |
| Fee waiver threshold | Lifetime free | Waived at ₹4,00,000/yr spend | Waived at ₹4,00,000/yr spend |
| Min income | ₹15,000/mo | ₹50,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,430/yr | ₹5,556/yr | ₹80/yr |
| Fuel | 5% cashback → ₹200/mo (₹2,400/yr) | — | — |
| Travel | — | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 5% cashback | 4 RP/₹150 | 2X reward points |
| Primary reward cap | ₹250 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | Domestic lounge access — verify visit count on issuer site |
| UPI rewards | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet loads · Insurance | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹2,500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HDFC Regalia Gold leads with an estimated ₹5,556/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
HDFC Bharat Cashback Credit Card
HDFC Bank
HDFC Regalia Gold
HDFC Bank
Kotak White Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | HDFC BankClassic HDFC Bharat Cashback Credit Card •••• •••• •••• 4242 Quick facts HDFC Bharat Cashback Credit Card Top reward5% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back HDFC Bharat Cashback Credit Card HDFC Bank | HDFC BankPlatinum HDFC Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold HDFC Bank | Kotak Mahindra BankPlatinum Kotak White Credit Card •••• •••• •••• 4242 Quick facts Kotak White Credit Card Top reward2X reward points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Kotak White Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹2,500 | ₹3,000 |
| Fee waiver threshold | Lifetime free | Waived at ₹4,00,000/yr spend | Waived at ₹4,00,000/yr spend |
| Min income | ₹15,000/mo | ₹50,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,430/yr | ₹5,556/yr | ₹80/yr |
| Fuel | 5% cashback → ₹200/mo (₹2,400/yr) | — | — |
| Travel | — | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 5% cashback | 4 RP/₹150 | 2X reward points |
| Primary reward cap | ₹250 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | Domestic lounge access — verify visit count on issuer site |
| UPI rewards | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet loads · Insurance | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹2,500 | — |
HDFC Bharat Cashback Credit Card details →HDFC Regalia Gold details →Kotak White Credit Card details →
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https://cardhungry.com/in/en/compare/hdfc-bharat-vs-hdfc-regalia-gold-vs-kotak-whiteMore HDFC Bharat Cashback Credit Card comparisons
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