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The Kotak Royale Signature Credit Card offers higher rewards for certain categories and higher insurance coverage but comes with a higher annual fee. The HDFC Bank Regalia Credit Card is more affordable but offers similar benefits and rewards. The choice between these two credit cards depends on individual preferences and spending habits. Read More: https://cardinsider.com/blog/kotak-royale-signature-credit-card-vs-hdfc-bank-regalia-credit-card/