Which card has the lower annual fee?

Kotak League Platinum has the lowest annual fee at ₹499.

Which card earns more on moderate spend?

Kotak League Platinum leads with an estimated ₹911/yr net annual value on moderate spend.

Which card has the lower income requirement?

Kotak League Platinum lists a minimum monthly income of ₹25,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

HDFC Regalia Gold vs Kotak League Platinum

Honest side-by-side comparison of HDFC Regalia Gold, Kotak League Platinum — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

HDFC Regalia Gold

HDFC Bank

Card 2

Kotak League Platinum

Kotak Mahindra Bank

Your adjusted comparison

Feature	HDFC Regalia Gold HDFC Bank	Kotak League Platinum Kotak Mahindra Bank
Fees & eligibility
Annual fee	₹2,500	₹499
Fee waiver threshold	₹4,00,000/yr	No waiver published
Min income	₹50,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹670/yr	₹911/yr
Top reward rate	5 RP/₹200	2 RP/₹150
Primary reward cap	₹15,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	Up to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel · Rent
Bonuses
Signup bonus	₹2,500	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

HDFC Regalia Gold details →Kotak League Platinum details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Kotak League Platinum leads HDFC Regalia Gold by about ₹1,581/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

HDFC Regalia Gold vs Kotak League Platinum comparison table
Feature	HDFC Regalia Gold HDFC Bank	Kotak League Platinum Kotak Mahindra Bank
Fees & eligibility
Annual fee	₹2,500	₹499
Fee waiver threshold	₹4,00,000/yr	No waiver published
Min income	₹50,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹670/yr	₹911/yr
Top reward rate	5 RP/₹200	2 RP/₹150
Primary reward cap	₹15,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	Up to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel · Rent
Bonuses
Signup bonus	₹2,500	—

Frequently asked questions

Which card has the lower annual fee?: Kotak League Platinum has the lowest annual fee at ₹499.
Which card earns more on moderate spend?: Kotak League Platinum leads with an estimated ₹911/yr net annual value on moderate spend.
Which card has the lower income requirement?: Kotak League Platinum lists a minimum monthly income of ₹25,000.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More HDFC Regalia Gold comparisons