Side-by-side · honest numbers
IndusInd Bank Tiger Credit Card vs Kotak White Credit Card vs RBL World Safari
Honest side-by-side comparison of IndusInd Bank Tiger Credit Card, Kotak White Credit Card, RBL World Safari — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, RBL World Safari ranks first for estimated net annual value — ahead of Kotak White Credit Card by about ₹1,888/yr.
| Feature | IndusInd Bank Tiger Credit Card IndusInd Bank | Kotak White Credit Card Kotak Mahindra Bank | RBL World Safari RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹3,000 | ₹3,000 |
| Fee waiver threshold | Lifetime free | Waived at ₹4,00,000/yr spend | No waiver published |
| Min income | ₹20,000/mo | ₹50,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹20/yr | ₹80/yr | ₹1,968/yr |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | 4 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Top reward rate | 1 reward point/₹150 | 2X reward points | 4X points |
| Primary reward cap | No monthly cap published | 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 | Domestic lounge access — verify visit count on issuer site | 2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet loads | EMI · Fuel · Rent | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
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?
- RBL World Safari leads with an estimated ₹1,968/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
Change spend profile or swap cards — results update live below.
IndusInd Bank Tiger Credit Card
IndusInd Bank
Kotak White Credit Card
Kotak Mahindra Bank
RBL World Safari
RBL Bank
Your adjusted comparison
| Feature | IndusInd BankGold IndusInd Bank Tiger Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Tiger Credit Card Top reward1 reward point/₹150 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Bank Tiger Credit Card IndusInd Bank | Kotak Mahindra BankPlatinum Kotak White Credit Card •••• •••• •••• 4242 Quick facts Kotak White Credit Card Top reward2X reward points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Kotak White Credit Card Kotak Mahindra Bank | RBL BankPlatinum RBL World Safari •••• •••• •••• 4242 Quick facts RBL World Safari Top reward4X points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back RBL World Safari RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹3,000 | ₹3,000 |
| Fee waiver threshold | Lifetime free | Waived at ₹4,00,000/yr spend | No waiver published |
| Min income | ₹20,000/mo | ₹50,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹20/yr | ₹80/yr | ₹1,968/yr |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | 4 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Top reward rate | 1 reward point/₹150 | 2X reward points | 4X points |
| Primary reward cap | No monthly cap published | 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 | Domestic lounge access — verify visit count on issuer site | 2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet loads | EMI · Fuel · Rent | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
IndusInd Bank Tiger Credit Card details →Kotak White Credit Card details →RBL World Safari details →
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https://cardhungry.com/in/en/compare/indusind-tiger-vs-kotak-white-vs-rbl-world-safariMore IndusInd Bank Tiger Credit Card comparisons
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