When we say Linux, does it refer to only the kernel?
Depends on who does the saying...
A strict interpretation would be that Linux is indeed just the kernel, and e.g. the userspace tools coming from other projects is the background for the "GNU/Linux" phrase, which e.g. Debian uses. In practice, a lot of people probably don't care, and just call whole distributions "Linux". To add to the confusion, next to no-one seems to call Android "Linux", even though it uses the Linux kernel, just with a significantly different userspace from other common Linux systems (e.g. Debian).
How is RedHat Enterprise Linux different from Linux?
RHEL is an operating system that uses (the) Linux (kernel) as one component, the kernel. But it contains other stuff too, like the actual userspace programs that are necessary to use the kernel in any meaningful way. Plus it packages applications programs.
"Linux" is either just the kernel, and as such distributed as part of RHEL; or it's the wider concept of various systems using that kernel, and as such RHEL is part of it. Depends on the context.