Side-by-side · honest numbers
HDFC Regalia Gold vs Kotak League Platinum vs RBL Bank Icon Credit Card
Honest side-by-side comparison of HDFC Regalia Gold, Kotak League Platinum, RBL Bank Icon 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 Kotak League Platinum by about ₹4,966/yr.
| Feature | HDFC Regalia Gold HDFC Bank | Kotak League Platinum Kotak Mahindra Bank | RBL Bank Icon Credit Card RBL Bank |
|---|---|---|---|
| Annual fee | ₹2,500 | ₹0 | ₹5,000 |
| Min income (monthly) | ₹50,000 | ₹25,000 | ₹50,000 |
| Top reward rate | 4 RP/₹150 | 2 RP/₹150 | 2X points/₹150 |
| Net annual value (moderate spend) | ₹5,556/yr | ₹590/yr | -₹4,803/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ₹2,500 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Kotak League Platinum 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?
- 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
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | 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 League Platinum •••• •••• •••• 4242 Quick facts Kotak League Platinum Top reward2 RP/₹150 Annual feeLifetime Free Min income₹25,000/mo Tap to flip back Kotak League Platinum Kotak Mahindra Bank | RBL BankPlatinum RBL Bank Icon Credit Card •••• •••• •••• 4242 Quick facts RBL Bank Icon Credit Card Top reward2X points/₹150 Annual fee₹5,000 Min income₹50,000/mo Tap to flip back RBL Bank Icon Credit Card RBL Bank |
|---|---|---|---|
| Annual fee | ₹2,500 | ₹0 | ₹5,000 |
| Min income | ₹50,000 | ₹25,000 | ₹50,000 |
| Top reward rate | 4 RP/₹150 | 2 RP/₹150 | 2X points/₹150 |
| Net value (moderate) | ₹5,556/yr | ₹590/yr | -₹4,803/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ₹2,500 | — | — |
More HDFC Regalia Gold comparisons
- HDFC Regalia Gold vs 811 Dream Different Credit Card
- HDFC Regalia Gold vs AU Altura Credit Card
- HDFC Regalia Gold vs AU Zenith Credit Card
- HDFC Regalia Gold vs American Express Gold Card
- HDFC Regalia Gold vs American Express Platinum Travel Card
- HDFC Regalia Gold vs Amex Membership Rewards CC
- HDFC Regalia Gold vs Axis Bank ACE Credit Card
- HDFC Regalia Gold vs Axis Bank Atlas Credit Card
- HDFC Regalia Gold vs Axis Bank Flipkart Credit Card
- HDFC Regalia Gold vs Axis Bank Magnus Credit Card
- HDFC Regalia Gold vs Axis Bank My Zone Credit Card
- HDFC Regalia Gold vs Axis Bank Neo Credit Card