IndusInd Tiger vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IndusInd Tiger wins 6-3. Wildlife conservation enthusiasts, supports Bandipur Tiger Reserve. Kotak White is still the right call if mid-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | IndusInd Tiger | Kotak White |
|---|---|---|
| Annual fee | No annual fee | · ₹3,000 |
| Joining fee | · ₹50,000 | ₹3,000 |
| Top reward rate | 4% (general) | · Milestone |
| Base reward rate | 4% | · Milestone |
| Forex markup | 1.8% | · 3.5% |
| Welcome bonus | = 50,000 reward points + Taj Inner Circle Reflections membership | = White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | · N/A (no fee) | ₹500,000 / yr |
| Min income | · ₹3,500,000 | ₹2,500,000 |
| Min credit score | 800 | · N/A |
| Editorial rating | 4.6/5 | · 4.3/5 |
Benefits compared
IndusInd Tiger
- 4 reward points per ₹100 on all spends
- Unlimited domestic + international lounge access (self + guest)
- Annual fee-free for life
- Taj InnerCircle Reflections membership
- Concierge 24x7
- 1.8% forex markup
Kotak White
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›IndusInd Tiger vs Kotak White: which is better?
IndusInd Tiger wins on more dimensions (6 vs 3). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use IndusInd Tiger for its best categories, Kotak White for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
IndusInd Tiger: 50,000 reward points + Taj Inner Circle Reflections membership. Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.