IndusInd Legend vs IndusInd Tiger (2026)
IndusInd Tiger vs IndusInd Legend: which wins?
₹1,60,000ranking value a year at ₹3L a month, to IndusInd Tiger
Skip the duel — the board, ranked → · nothing to sign up for
IndusInd's stripped-down Legend vs the lifetime-free Tiger — Tiger transfers to Maharaja at 1:1, Legend at a decoy 4:1, and only one costs ₹5,000 to walk in.
IndusInd Tiger out-earns IndusInd Legend at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 10 compared
Head to head
| IndusInd Legend | Metric | IndusInd Tiger |
|---|---|---|
| #105 | Our rank | #11 — wins this row |
| ₹0/yr · ₹5,000 joining (one-time) | Fee — joining · annual (+ GST) | ₹0 — lifetime free — wins this row |
| None | Fee waiver | None |
| 1.8% + GST | Forex markup | 1.5% + GST — wins this row |
| 3.95%/mo (47.40%/yr) — Legend sits in the Platinum interest tier, not Pinnacle's 3.83% | APR | 3.5%/mo (42%/yr) initially — bank may reprice on credit history/behaviour |
| 0.8% | Headline earn rate | 0.8% — wins this row |
| IndusInd Reward Points | Currency | IndusInd Reward Points |
| ₹0.80/pt † | House value | ₹0.80/pt |
| None — ₹5,000 one-time joining fee, no annual renewal fee (frequently issued lifetime-free to existing customers) | Welcome benefit | None — lifetime free, no joining bonus |
| 0 of 793 | Lounge doors opened | 735 of 793 — wins this row |
† IndusInd Legend: Legend redeems IndusInd points below the ₹0.80 house value: non-cash redemptions (vouchers, flights via IndusMoments) pay ₹0.75/RP, cash credit pays ₹0.50 (cut from ₹0.75 on 1-Mar-2024, capped 5,000 points a month with a ₹149 fee), and airmile transfers — Maharaja Club and KrisFlyer alike — run at 4:1, a ₹0.25 decoy. The 1:1 Maharaja route that sets the house value is Tiger-only.
Neither issuer publishes an income floor for these two, and the door is the same on both sides: IndusInd Legend and IndusInd Tiger are both open to a direct application.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
The ₹ face-off at ₹1L/₹3L/₹5L a month
Ranking-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. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
IndusInd Tiger out-earns IndusInd Legend at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month
How the gap moves with spend
IndusInd Tiger leads at all 20 steps, but not by the same amount: ₹1,980 at ₹0.25L a month, ₹1,81,206 at ₹5L — the gap fans out with spend, widest at ₹4.5L (₹1,86,846).
IndusInd Tiger's ongoing earn stops at ₹4,38,900 of spend a month, where IndusInd Legend's doesn't; IndusInd Legend pays one annual spend milestone, at ₹5,00,000 a year, and IndusInd Tiger pays none.
IndusInd Legend draws above the line, IndusInd Tiger below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | IndusInd Legend | IndusInd Tiger | In front |
|---|---|---|---|
| ₹0.25L | ₹2,820 | ₹4,800 | IndusInd Tiger by ₹1,980 |
| ₹0.5L | ₹8,040 | ₹16,000 | IndusInd Tiger by ₹7,960 |
| ₹0.75L | ₹10,860 | ₹30,400 | IndusInd Tiger by ₹19,540 |
| ₹1L | ₹13,680 | ₹44,800 | IndusInd Tiger by ₹31,120 |
| ₹1.25L | ₹16,500 | ₹59,200 | IndusInd Tiger by ₹42,700 |
| ₹1.5L | ₹19,320 | ₹73,600 | IndusInd Tiger by ₹54,280 |
| ₹1.75L | ₹22,140 | ₹88,000 | IndusInd Tiger by ₹65,860 |
| ₹2L | ₹24,960 | ₹1,02,400 | IndusInd Tiger by ₹77,440 |
| ₹2.25L | ₹27,780 | ₹1,16,800 | IndusInd Tiger by ₹89,020 |
| ₹2.5L | ₹30,600 | ₹1,31,200 | IndusInd Tiger by ₹1,00,600 |
| ₹2.75L | ₹33,420 | ₹1,45,600 | IndusInd Tiger by ₹1,12,180 |
| ₹3L | ₹36,240 | ₹1,60,000 | IndusInd Tiger by ₹1,23,760 |
| ₹3.25L | ₹39,060 | ₹1,74,400 | IndusInd Tiger by ₹1,35,340 |
| ₹3.5L | ₹41,880 | ₹1,88,800 | IndusInd Tiger by ₹1,46,920 |
| ₹3.75L | ₹44,700 | ₹2,03,200 | IndusInd Tiger by ₹1,58,500 |
| ₹4L | ₹47,520 | ₹2,17,600 | IndusInd Tiger by ₹1,70,080 |
| ₹4.25L | ₹50,340 | ₹2,32,000 | IndusInd Tiger by ₹1,81,660 |
| ₹4.5L | ₹53,160 | ₹2,40,006 | IndusInd Tiger by ₹1,86,846 |
| ₹4.75L | ₹55,980 | ₹2,40,006 | IndusInd Tiger by ₹1,84,026 |
| ₹5L | ₹58,800 | ₹2,40,006 | IndusInd Tiger by ₹1,81,206 |
Transfer reach — 2 shared live routes
Transfer reach
Both cards earn IndusInd Reward Points, so the partner list is identical — 2 live transfer routes each. The ratios are not: see below.
2 shared routes — the full partner lists
Both reach
- Singapore Airlines KrisFlyer 4:1
- Air India Maharaja Club 4:1 vs 1:1
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
IndusInd Legend · 3 more →
- Complimentary lounge access discontinued 7 Mar 2025 — Priority Pass is now paid (US$35/visit)
- 0.75% on weekdays; the only real lift is the weekend double
- Cash redemption ₹0.50/RP, capped 5,000 points/month with a ₹149 fee; airmiles — Maharaja and KrisFlyer — at 4:1 (₹0.25) are decoys
IndusInd Tiger · 3 more →
- 0.8% on the first ₹1L of the year — the engine only wakes past ₹5L
- Points expire 24 months from accrual; ₹100 fee per redemption
- Cash redemption floor ₹0.40/pt, capped 5,000 points a month (since Sep-2024)
The call
For the ₹1L/month spender, IndusInd Tiger nets ₹44,800 against ₹13,680 — a ₹31,120 gap. At ₹5L/month, IndusInd Tiger nets ₹2,40,006 against ₹58,800 — a ₹1,81,206 gap. Lounge chasers: IndusInd Tiger opens 735 of 793 tracked doors to IndusInd Legend's 0.
Our standing verdicts: IndusInd Legend — Keep; IndusInd Tiger — Keep. IndusInd Tiger takes 8 of the 8 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, IndusInd Legend or IndusInd Tiger?
IndusInd Tiger. IndusInd Tiger takes 8 of the 8 rounds we can score. IndusInd Tiger out-earns IndusInd Legend at every spend level we model, from ₹25k to ₹5L a month.
IndusInd Legend or IndusInd Tiger — which earns more at ₹3L a month?
At ₹3L a month, IndusInd Tiger nets ₹1,60,000 against ₹36,240 — a ₹1,23,760 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, IndusInd Legend or IndusInd Tiger?
IndusInd Tiger — ₹0 — lifetime free against ₹0/yr · ₹5,000 joining (one-time). IndusInd Legend waives its fee at no spend level — there is no waiver; IndusInd Tiger at no spend level — there is no waiver.
Which gets you into more airport lounges, IndusInd Legend or IndusInd Tiger?
Lounge chasers: IndusInd Tiger opens 735 of 793 tracked doors to IndusInd Legend's 0. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: IndusInd Legend on 2026-08-08, IndusInd Tiger on 2026-08-05. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.
Verified against IndusInd Bank and IndusInd Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 15 of them, each with the day we read it
- official Product page — weekday/weekend earn; the 3,000-point bonus stated twice and inconsistently (body "within one year from the date of credit card issue", footnote "in a year")
- official Benefit guide PDF (Dec-2025)
- official MITC / fee schedule PDF
- official Bank Maharaja redemption T&C — 400 RP = 100 Maharaja Points (4:1); min 500 RP, multiples of 100, max 25,000 RP a calendar month. This is the page Legend's own product page links
- official Bank KrisFlyer redemption T&C — 400 RP = 100 KrisFlyer miles (4:1); min 500 RP, multiples of 100, max 10,000 RP a calendar month
- official Bank bonus-rewards T&C — "Legend Credit Card - Earn 3,000 bonus reward points on spends of ₹ 5,00,000* or above within one year from the date of credit card issue"
- community CardInsider review
- official Product page — the Magnificent Rewards slab grid (1× up to ₹1,00,000 of anniversary-year spend, 2× to ₹2,50,000, 4× to ₹5,00,000)
- official MITC PDF — joining, annual and add-on fees all Nil; 3.5% per month / 42% p.a; interest; 1.5% foreign-currency mark-up + GST; ₹100 rewards-redemption fee
- official Benefit guide PDF — the same 1/2/4/6 slab table and its ₹6L illustration (20,000 RP), 1 RP = ₹0.40 cash credit, one complimentary golf game or lesson a quarter
- official Bank Maharaja redemption T&C — 100 RP = 100 Maharaja Points, 25k/month cap
- official Bank KrisFlyer redemption T&C — table now reads 400 RP = 100 miles (4:1; URL slug preserves the old 400x120)
- community LiveFromALounge — 1:1 Maharaja route
- community CardMaven review — Visa Signature
- official IndusInd UPI/RuPay FAQ — Tiger absent from RuPay list