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?

SBI Card against Fixed Deposit leads with an estimated ₹1,770/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.

Which cards are secured (FD-backed)?

SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.

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 White Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of IndusInd Bank Tiger Credit Card, Kotak White Credit Card, SBI Card against Fixed Deposit — 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, SBI Card against Fixed Deposit ranks first for estimated net annual value — ahead of Kotak White Credit Card by about ₹1,690/yr.

IndusInd Bank Tiger Credit Card vs Kotak White Credit Card vs SBI Card against Fixed Deposit comparison table
Feature	IndusInd Bank Tiger Credit Card IndusInd Bank	Kotak White Credit Card Kotak Mahindra Bank	SBI Card against Fixed Deposit SBI Card
Fees & eligibility
Annual fee	Lifetime free	₹3,000	Lifetime free
Fee waiver threshold	Lifetime free	Waived at ₹4,00,000/yr spend	Lifetime free
Min income	₹20,000/mo	₹50,000/mo	Not stated
Secured / FD-backed	Standard	Standard	FD-backed
Rewards
Net annual value (moderate)	-₹20/yr	₹80/yr	₹1,770/yr
Travel	—	2 pts per ₹150 spend → ₹17/mo (₹200/yr)	—
Top reward rate	1 reward point/₹150	2X reward points	80% of FD value
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	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet loads	EMI · Fuel · Rent	Not stated
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?: SBI Card against Fixed Deposit leads with an estimated ₹1,770/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.
Which cards are secured (FD-backed)?: SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
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.

Card 1

IndusInd Bank Tiger Credit Card

IndusInd Bank

Card 2

Kotak White Credit Card

Kotak Mahindra Bank

Card 3

SBI Card against Fixed Deposit

SBI Card

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	SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card
Fees & eligibility
Annual fee	Lifetime free	₹3,000	Lifetime free
Fee waiver threshold	Lifetime free	Waived at ₹4,00,000/yr spend	Lifetime free
Min income	₹20,000/mo	₹50,000/mo	Not stated
Secured / FD-backed	Standard	Standard	FD-backed
Rewards
Net annual value (moderate)	-₹20/yr	₹80/yr	₹1,770/yr
Travel	—	2 pts per ₹150 spend → ₹17/mo (₹200/yr)	—
Top reward rate	1 reward point/₹150	2X reward points	80% of FD value
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	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet loads	EMI · Fuel · Rent	Not stated
Bonuses
Signup bonus	—	—	—

IndusInd Bank Tiger Credit Card details →Kotak White Credit Card details →SBI Card against Fixed Deposit details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More IndusInd Bank Tiger Credit Card comparisons