Card Comparison · India
HB Regalia Gold Credit CardvsKM White Reserve Credit Card
Regalia Gold Credit Card and White Reserve Credit Card compared side by side — annual fee, lounge-access program, visit limits, eligibility, and value. All figures from Loungely's verified card data, in INR.
| HBRegalia Gold Credit Card | KMWhite Reserve Credit Card | |
|---|---|---|
| Annual fee | ₹2,500/yr | ₹12,500/yr |
| Network | Visa Signature | Visa Infinite |
| Access program | Priority Pass (6 intl visits/yr) + domestic card-swipe access | Priority Pass — unlimited domestic + international |
| Intl lounge visits | 6/year | — |
| Domestic lounge visits | 3/quarter | — |
| Guest policy | No free guests — international guests ~US $27 + GST each. | — |
| Eligibility | Income ₹6L+, open application | Income ₹25L+ or invite from Kotak relationship manager |
| Value score | 4/5 | 4/5 |
| Best for | Domestic flyers who spend ₹60k+/quarter, plus occasional international travel | Kotak banking customers wanting unlimited lounge access |
Regalia Gold Credit Card — full review
Fees, lounge terms, activation steps, pros & cons →
White Reserve Credit Card — full review
Fees, lounge terms, activation steps, pros & cons →
Regalia Gold Credit Card vs White Reserve Credit Card — frequently asked
Is Regalia Gold Credit Card or White Reserve Credit Card cheaper?
Regalia Gold Credit Card is cheaper at ₹2,500/yr vs ₹12,500/yr — a difference of 10,000 INR/yr. A lower fee only wins if the lounge access still covers the airports you fly through.
Which gives better lounge access, Regalia Gold Credit Card or White Reserve Credit Card?
Regalia Gold Credit Card: Priority Pass (6 intl visits/yr) + domestic card-swipe access. White Reserve Credit Card: Priority Pass — unlimited domestic + international. Network reach matters more than raw visit count — a card with unlimited visits on a program that isn't present at your home airport is worth less than a capped card that is.
What are the eligibility differences between Regalia Gold Credit Card and White Reserve Credit Card?
Regalia Gold Credit Card — Income ₹6L+, open application. White Reserve Credit Card — Income ₹25L+ or invite from Kotak relationship manager. Eligibility (income floor, invite-only status, existing-relationship requirements) is often the real deciding factor, not the headline lounge perk.
Is Regalia Gold Credit Card or White Reserve Credit Card better value?
Loungely value score — Regalia Gold Credit Card: 4/5 (best for domestic flyers who spend ₹60k+/quarter, plus occasional international travel). White Reserve Credit Card: 4/5 (best for kotak banking customers wanting unlimited lounge access). Both are India cards, so the fee and access figures are directly comparable in INR.
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