- Annual fee ₹2,500 Waivable at ₹3,00,000 spend
- Forex markup 3.5%
- Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹1,00,000 spend in the previous calendar quarter
Pairwise comparison
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HDFC Bank Regalia vs Kotak Mahindra Bank Zen Signature Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HDFC Bank Regalia and the Kotak Mahindra Bank Zen Signature. Verify fees, lounge access, forex markup, and base rewards before you apply.
Quick comparison
Three core metrics- Annual fee ₹1,500 Waivable at ₹1,50,000 spend
- Forex markup 3.5%
- Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹75,000 spend in the previous calendar quarter
Reward earning explained
Per card2 pts / ₹100 on General spend
Limited data10 pts / ₹150 on Shopping Lifestyle (domestic) + 5 pts / ₹150 on General spend
Limited dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (HDFC Bank Regalia: ₹2,500 vs Kotak Mahindra Bank Zen Signature: ₹1,500), forex markup (3.5% vs 3.5%), or lounge access (2/quarter vs 2/quarter).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 2 per quarter.
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Rewards Insufficient data Insufficient data to compare rewards
Only HDFC Bank Regalia has comparable evidence here. Estimated base reward value is ~1% on base spend.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Regalia: ~₹500/month at base rate
- Kotak Zen Signature: Base earn not clearly specified
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | Regalia HDFC Bank | Zen Signature Kotak Mahindra Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | 2/quarter | 2/quarter |
| International lounge visits 6/year vs 3/year | 6/year | 3/year |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Annual fee ₹2,500 vs ₹1,500 | ₹2,500 | ₹1,500 |
| Joining fee ₹2,500 vs ₹1,500 | ₹2,500 | ₹1,500 |
| Fee waiver spend ₹3,00,000 vs ₹1,50,000 | ₹3,00,000 | ₹1,50,000 |
| Interest-free period Up to 50 days vs Up to 51 days | Up to 50 days | Up to 51 days |
| Rewards | ||
| Reward points (base spend) 2 pts/₹100 vs 5 pts/₹150 | 2 pts/₹100 | 5 pts/₹150 |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Regalia | ₹0.5 | Not specified |
| Point validity Only available for Regalia | 2 years | Not specified |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.