IndusInd Tiger vs IndusInd Bank Gold Credit Card (2026)
IndusInd Bank Gold Credit Card vs IndusInd Tiger: 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
Same points, same partner board — 2 live transfer routes each, so this one is decided on earn and fee, nothing else: 0.8% at no fee at all against 0.3% at ₹500 once to join.
IndusInd Tiger out-earns IndusInd Bank Gold Credit Card at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 10 compared
Head to head
| IndusInd Tiger | Metric | IndusInd Bank Gold Credit Card |
|---|---|---|
| #11 | Our rank | closed |
| ₹0 — lifetime free — wins this row | Fee — joining · annual (+ GST) | ₹0/yr · ₹500 joining (one-time) |
| None | Fee waiver | None |
| 1.5% + GST | Forex markup | not published |
| 3.5%/mo (42%/yr) initially — bank may reprice on credit history/behaviour | APR | not published |
| 0.8% — wins this row | Headline earn rate | 0.3% |
| IndusInd Reward Points | Currency | IndusInd Reward Points |
| ₹0.80/pt | House value | ₹0.80/pt † |
| None — lifetime free, no joining bonus | Welcome benefit | — |
| 735 of 793 — wins this row | Lounge doors opened | 0 of 793 |
† IndusInd Bank Gold Credit Card: IndusInd priced this card's point itself, twice on the same page: "1 savings point = Re 0.50 or 1 airline mile", and in the redemption section "1 reward point = Re.0.5 of cash value". The ₹0.80 house value carried for IndusInd Reward Points today reflects the Maharaja Club route the Tiger reaches; this card's exits were the ₹0.50 statement credit and an airline mile that ran 1:1 in 2014 and 0.5:1 by 2019, so its earn is modelled on the ₹0.50 CASH leg — the one that never moved — with the difference baked into `base`.
Neither issuer publishes an income floor for these two. IndusInd Tiger is open to a direct application; IndusInd Bank Gold Credit Card is closed to new applications, and only grandfathered holders still have it. How people actually get IndusInd Bank Gold Credit Card is on its card page.
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 Bank Gold Credit Card 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: ₹4,050 at ₹0.25L a month, ₹2,25,006 at ₹5L — the gap fans out with spend, widest at ₹4.5L (₹2,26,506).
IndusInd Tiger's ongoing earn stops at ₹4,38,900 of spend a month, where IndusInd Bank Gold Credit Card's doesn't; IndusInd Bank Gold Credit Card charges ₹500 once at issuance and nothing to renew.
IndusInd Tiger draws above the line, IndusInd Bank Gold Credit Card below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | IndusInd Tiger | IndusInd Bank Gold Credit Card | In front |
|---|---|---|---|
| ₹0.25L | ₹4,800 | ₹750 | IndusInd Tiger by ₹4,050 |
| ₹0.5L | ₹16,000 | ₹1,500 | IndusInd Tiger by ₹14,500 |
| ₹0.75L | ₹30,400 | ₹2,250 | IndusInd Tiger by ₹28,150 |
| ₹1L | ₹44,800 | ₹3,000 | IndusInd Tiger by ₹41,800 |
| ₹1.25L | ₹59,200 | ₹3,750 | IndusInd Tiger by ₹55,450 |
| ₹1.5L | ₹73,600 | ₹4,500 | IndusInd Tiger by ₹69,100 |
| ₹1.75L | ₹88,000 | ₹5,250 | IndusInd Tiger by ₹82,750 |
| ₹2L | ₹1,02,400 | ₹6,000 | IndusInd Tiger by ₹96,400 |
| ₹2.25L | ₹1,16,800 | ₹6,750 | IndusInd Tiger by ₹1,10,050 |
| ₹2.5L | ₹1,31,200 | ₹7,500 | IndusInd Tiger by ₹1,23,700 |
| ₹2.75L | ₹1,45,600 | ₹8,250 | IndusInd Tiger by ₹1,37,350 |
| ₹3L | ₹1,60,000 | ₹9,000 | IndusInd Tiger by ₹1,51,000 |
| ₹3.25L | ₹1,74,400 | ₹9,750 | IndusInd Tiger by ₹1,64,650 |
| ₹3.5L | ₹1,88,800 | ₹10,500 | IndusInd Tiger by ₹1,78,300 |
| ₹3.75L | ₹2,03,200 | ₹11,250 | IndusInd Tiger by ₹1,91,950 |
| ₹4L | ₹2,17,600 | ₹12,000 | IndusInd Tiger by ₹2,05,600 |
| ₹4.25L | ₹2,32,000 | ₹12,750 | IndusInd Tiger by ₹2,19,250 |
| ₹4.5L | ₹2,40,006 | ₹13,500 | IndusInd Tiger by ₹2,26,506 |
| ₹4.75L | ₹2,40,006 | ₹14,250 | IndusInd Tiger by ₹2,25,756 |
| ₹5L | ₹2,40,006 | ₹15,000 | IndusInd Tiger by ₹2,25,006 |
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 fight is decided on earn and fees, not reach.
1 shared route · 1 only IndusInd Tiger · 0 only IndusInd Bank Gold Credit Card — the full partner lists
Both reach
- Singapore Airlines KrisFlyer 4:1
Only IndusInd Tiger
- Air India Maharaja Club
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 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)
IndusInd Bank Gold Credit Card · 4 more →
- THE PRODUCT PAGE PRICES NOTHING — the only fee table on it is the optional CPP insurance tariff; the ₹500 comes from IndusInd's bank-wide MITC, and the renewal fee it charged in 2011 was dropped to nil in 2012
- The card fell off IndusInd's fee table entirely after 2012 and survives on later ones only as an EXCLUSION from the fuel-surcharge waiver, so a late-vintage holder's price is not on the record at all
- Withdrawn — absent from IndusInd's live 33-product credit-card index
The call
For the ₹1L/month spender, IndusInd Tiger nets ₹44,800 against ₹3,000 — a ₹41,800 gap. At ₹5L/month, IndusInd Tiger nets ₹2,40,006 against ₹15,000 — a ₹2,25,006 gap. Lounge chasers: IndusInd Tiger opens 735 of 793 tracked doors to IndusInd Bank Gold Credit Card's 0.
Our standing verdicts: IndusInd Tiger — Keep; IndusInd Bank Gold Credit Card — Cancel. IndusInd Tiger takes 6 of the 6 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 Tiger or IndusInd Bank Gold Credit Card?
IndusInd Tiger. IndusInd Tiger takes 6 of the 6 rounds we can score. IndusInd Tiger out-earns IndusInd Bank Gold Credit Card at every spend level we model, from ₹25k to ₹5L a month.
IndusInd Tiger or IndusInd Bank Gold Credit Card — which earns more at ₹3L a month?
At ₹3L a month, IndusInd Tiger nets ₹1,60,000 against ₹9,000 — a ₹1,51,000 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 Tiger or IndusInd Bank Gold Credit Card?
IndusInd Tiger — ₹0 — lifetime free against ₹0/yr · ₹500 joining (one-time). IndusInd Tiger waives its fee at no spend level — there is no waiver; IndusInd Bank Gold Credit Card at no spend level — there is no waiver.
Which gets you into more airport lounges, IndusInd Tiger or IndusInd Bank Gold Credit Card?
Lounge chasers: IndusInd Tiger opens 735 of 793 tracked doors to IndusInd Bank Gold Credit Card'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 Tiger on 2026-08-05, IndusInd Bank Gold Credit Card on 2026-08-23. 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 — 12 of them, each with the day we read it
- 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
- official IndusInd Bank's own Gold Credit Card product page, archived 24-May-2014 — the four plan tables, the 50-paise point and the 1:1 airline-mile exit
- official IndusInd's last Gold Credit Card page, November 2019 — the four plan tables with the airline leg halved to 0.5 Partner Miles, and the bank's own line that it is no longer sourcing the card
- official IndusInd Bank's bank-wide credit-card MITC dated 23 October 2012 (archived 13-Mar-2013) — the last IndusInd fee table that names this card, at ₹500 to join and nothing to renew
- official IndusInd Bank's live credit-card range — 33 products, and no Gold card among them