Which card has the lower annual fee?

IndusInd Bank Tiger Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

Kotak Urbane Gold Credit Card leads with an estimated ₹1,020/yr net annual value on moderate spend.

Which card has the lower income requirement?

IndusInd Bank Tiger Credit Card lists a minimum monthly income of ₹20,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

IndusInd Bank Tiger Credit Card vs Kotak Urbane Gold Credit Card

Honest side-by-side comparison of IndusInd Bank Tiger Credit Card, Kotak Urbane Gold Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

IndusInd Bank Tiger Credit Card

IndusInd Bank

Card 2

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

Your adjusted comparison

Feature	IndusInd Bank Tiger Credit Card IndusInd Bank	Kotak Urbane Gold Credit Card Kotak Mahindra Bank
Fees & eligibility
Annual fee	Lifetime free	₹199
Fee waiver threshold	Lifetime free	Waived at ₹2,00,000/yr spend
Min income	₹20,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹300/yr	₹1,020/yr
Top reward rate	1 reward point/₹150	3 reward points/₹100
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	2 complimentary domestic lounge visits per quarter · No minimum spend required for lounge access	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet loads	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Cap-aware split: ~₹1,140/yr combined NAV (₹120 vs best solo). Both annual fees apply.

IndusInd Bank Tiger Credit Card details →Kotak Urbane Gold Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Kotak Urbane Gold Credit Card leads IndusInd Bank Tiger Credit Card by about ₹720/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

IndusInd Bank Tiger Credit Card vs Kotak Urbane Gold Credit Card comparison table
Feature	IndusInd Bank Tiger Credit Card IndusInd Bank	Kotak Urbane Gold Credit Card Kotak Mahindra Bank
Fees & eligibility
Annual fee	Lifetime free	₹199
Fee waiver threshold	Lifetime free	Waived at ₹2,00,000/yr spend
Min income	₹20,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹300/yr	₹1,020/yr
Top reward rate	1 reward point/₹150	3 reward points/₹100
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	2 complimentary domestic lounge visits per quarter · No minimum spend required for lounge access	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet loads	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: IndusInd Bank Tiger Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: Kotak Urbane Gold Credit Card leads with an estimated ₹1,020/yr net annual value on moderate spend.
Which card has the lower income requirement?: IndusInd Bank Tiger Credit Card lists a minimum monthly income of ₹20,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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