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HDFC Regalia Gold vs Kotak Urbane Gold Credit Card

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

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Spend assumptions

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

HDFC Regalia Gold

HDFC Bank

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

Your adjusted comparison

Feature
HDFC Regalia Gold credit card

HDFC Regalia Gold

HDFC Bank

Kotak Urbane Gold Credit Card

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

Fees & eligibility
Annual fee₹2,500₹199
Fee waiver threshold₹4,00,000/yrWaived at ₹2,00,000/yr spend
Min income₹50,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹670/yr₹1,020/yr
Top reward rate5 RP/₹2003 reward points/₹100
Primary reward cap₹15,000 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessUp 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 MITCNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · WalletEMI · 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 Urbane Gold Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Kotak Urbane Gold Credit Card leads HDFC Regalia Gold by about ₹1,690/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 Urbane Gold Credit Card comparison table
FeatureHDFC Regalia Gold

HDFC Bank

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

Fees & eligibility
Annual fee₹2,500₹199
Fee waiver threshold₹4,00,000/yrWaived at ₹2,00,000/yr spend
Min income₹50,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹670/yr₹1,020/yr
Top reward rate5 RP/₹2003 reward points/₹100
Primary reward cap₹15,000 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessUp 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 MITCNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · WalletEMI · Fuel · Rent
Bonuses
Signup bonus₹2,500—

Frequently asked questions

Which card has the lower annual fee?
Kotak Urbane Gold Credit Card has the lowest annual fee at ₹199.
Which card earns more on moderate spend?
Kotak Urbane Gold Credit Card leads with an estimated ₹1,020/yr net annual value on moderate spend.
Which card has the lower income requirement?
Kotak Urbane Gold Credit Card lists a minimum monthly income of ₹30,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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