IDFC FIRST Wealth vs IndusInd Tiger (2026)
Two lifetime-free 1.5%-forex cards — Wealth's never-expiring closed-loop points vs Tiger's slab-earned 1:1 Maharaja miles that actually reach an airline.
Head to head
| Metric | IDFC FIRST Wealth | IndusInd Tiger |
|---|---|---|
| Our rank | #48 | #12 |
| Annual fee | ₹0 + GST | ₹0 + GST |
| Fee waiver | None | None |
| Forex markup | 1.5% + GST | 1.5% + GST |
| APR | Dynamic 0.71%–3.85%/mo (8.5%–46.2%/yr); overdue rate 3.99%/mo (47.88%/yr) on MAD non-payment | 3.5%/mo (42%/yr) initially — bank may reprice on credit history/behaviour |
| Effective reward rate | 0.4% | 0.8% |
| Currency | IDFC FIRST Reward Points | IndusInd Reward Points |
| House value | ₹0.50/pt † | ₹0.80/pt |
| Welcome benefit | ₹500 voucher (Uber/Amazon/BigBasket) on ₹5,000 spend in 30 days — a nudge, not a bonus | None — lifetime free, no joining bonus |
| Lounge doors opened | 609 of 644 | 588 of 644 |
| Income — salaried | ₹36L+/yr (official eligibility) | not published |
| Income — self-employed | ₹36L+/yr (official eligibility) | not published |
† IDFC FIRST Wealth: Wealth redeems the IDFC point at a flat ₹0.25 — its app-travel perk is 33%/13% BONUS points, not a higher per-point value like Mayura's ₹0.50. earn.base is scaled to that ₹0.25 reality, so the house-value stat stays honest.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Net annual value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. Tune it to your own spend in the calculator.
IndusInd Tiger out-earns IDFC FIRST Wealth at every spend level we model, from ₹25k to ₹5L a month.
Transfer reach
Only IndusInd Tiger
- Singapore Airlines KrisFlyer
- Air India Maharaja Club
Full route maps on each card page, best ₹/point routes on the optimizer →
The call
For the ₹1L/month spender, IndusInd Tiger nets ₹51,040 against ₹14,134 — a ₹36,906 gap. At ₹5L/month, IndusInd Tiger nets ₹2,71,206 against ₹79,068 — a ₹1,92,138 gap. Lounge chasers: IDFC FIRST Wealth opens 609 of 644 tracked doors to IndusInd Tiger's 588.
Our standing verdicts: IDFC FIRST Wealth — Keep; IndusInd Tiger — Keep. On our board, IndusInd Tiger sits at #12 to IDFC FIRST Wealth's #48 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →