Kotak Privy League Signature vs IndusInd Tiger (2026)
Two cheap lounge cards, opposite bets: Kotak's relationship Priority Pass and ₹0.25 points vs Tiger's lifetime-free slab engine that banks real 1:1 Maharaja miles.
Head to head
| Metric | Kotak Privy League Signature | IndusInd Tiger |
|---|---|---|
| Our rank | #47 | #12 |
| Annual fee | ₹2,500 + GST | ₹0 + GST |
| Fee waiver | ₹5,00,000 spend | None |
| Forex markup | 2% (paid variant); 3.5% (free variant) | 1.5% + GST |
| APR | 3.5%/mo (42%/yr) | 3.5%/mo (42%/yr) initially — bank may reprice on credit history/behaviour |
| Effective reward rate | 0.5% | 0.8% |
| Currency | Kotak Reward Points | IndusInd Reward Points |
| House value | ₹0.25/pt † | ₹0.80/pt |
| Welcome benefit | None — no joining bonus (free for Privy League / Black relationships) | None — lifetime free, no joining bonus |
| Lounge doors opened | 581 of 644 | 588 of 644 |
| Income — salaried | not published | not published |
| Income — self-employed | not published | not published |
† Kotak Privy League Signature: Kotak reward points redeem at a flat ₹0.25 on the catalogue — products, vouchers, recharges, flight/hotel tickets — with no airline or hotel transfer partners. So the 2 RP/₹100 base is a 0.5% return; the 5X plan lifts one category to ~1.25%, and that's the ceiling.
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 Kotak Privy League Signature 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 ₹14,850 — a ₹36,190 gap. At ₹5L/month, IndusInd Tiger nets ₹2,71,206 against ₹44,250 — a ₹2,26,956 gap. Lounge chasers: IndusInd Tiger opens 588 of 644 tracked doors to Kotak Privy League Signature's 581.
Our standing verdicts: Kotak Privy League Signature — Downgrade; IndusInd Tiger — Keep. On our board, IndusInd Tiger sits at #12 to Kotak Privy League Signature's #47 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →