IndusInd Legend vs IndusInd Tiger (2026)
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.
Head to head
| Metric | IndusInd Legend | IndusInd Tiger |
|---|---|---|
| Our rank | #44 | #12 |
| Annual fee | ₹0 + GST | ₹0 + GST |
| Fee waiver | None | None |
| Forex markup | 1.8% + GST | 1.5% + GST |
| APR | 3.95%/mo (47.40%/yr) — Legend sits in the Platinum interest tier, not Pinnacle's 3.83% | 3.5%/mo (42%/yr) initially — bank may reprice on credit history/behaviour |
| Effective reward rate | 0.8% | 0.8% |
| Currency | IndusInd Reward Points | IndusInd Reward Points |
| House value | ₹0.80/pt † | ₹0.80/pt |
| Welcome benefit | None — ₹5,000 one-time joining fee, no annual renewal fee (frequently issued lifetime-free to existing customers) | None — lifetime free, no joining bonus |
| Lounge doors opened | 0 of 644 | 588 of 644 |
| Income — salaried | not published | not published |
| Income — self-employed | not published | not published |
† 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.
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 IndusInd Legend at every spend level we model, from ₹25k to ₹5L a month.
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.
Both reach
- Singapore Airlines KrisFlyer 10:3
- Air India Maharaja Club 4:1 vs 1:1
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 ₹13,680 — a ₹37,360 gap. At ₹5L/month, IndusInd Tiger nets ₹2,71,206 against ₹58,800 — a ₹2,12,406 gap. Lounge chasers: IndusInd Tiger opens 588 of 644 tracked doors to IndusInd Legend's 0.
Our standing verdicts: IndusInd Legend — Keep; IndusInd Tiger — Keep. On our board, IndusInd Tiger sits at #12 to IndusInd Legend's #44 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →