Indusind Bajaj Tiger Credit Card vs Kiwi Credit Cards Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 28 September 2026.
| Feature |  Indusind Bajaj Tiger Credit CardIndusInd Bank5 recent changes → |  Kiwi Credit CardsKiwi, issued by AU Small Finance Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.4% on most spends | 1% base, up to 1.5% on UPI payments | |
| UPI payments (scan and pay) | Earns nothing | 1.5% | |
| Online shopping | 0.4% | 1% | |
| Dining and food delivery | 0.4% | 1% | |
| Groceries | 0.4% | 1% | |
| Travel: flights, hotels, trains | 0.4% | 1% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | Not stated | Earns nothing | |
| Rent | Not stated | Earns nothing | |
| Insurance premiums | Not stated | Earns nothing | |
| School and college fees | Not stated | Earns nothing | |
| Wallet top-ups | 0.4% | Earns nothing | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currency | 0.4% | 1% | |
| Everything else | 0.4% | 1% | |
| Card identity | |||
| Card type | Rewards | Cashback | |
| Network | Visa | RuPay | |
| Card tier | Mid | Entry | |
| Fees | |||
| Joining feesame | Free | Free | |
| Annual feesame | Free | Free | |
| Lifetime freesame | Yes | Yes | |
| First year free | No | Yes | |
| Eligibility | |||
| Min age | - | 22 years | |
| Max age | - | 55 years | |
| Employment type | - | BOTH | |
| Min credit score | - | 720 | |
| Rewards | |||
| Reward type | Reward points | Cashback | |
| Point value | ₹0 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | Yes | No | |
| Fuel waiver cap | - | ₹250 | |
| Lounge access | |||
| Domestic lounge visits | 8 | - | |
| International lounge visits | 2 | - | |
| Lounge condition | 8 domestic (2 a quarter) + 2 international airport lounge visits a year, no spend condition is published for the Tiger, though IndusInd began spend-gating domestic lounge access on several other cards from 1 April 2026 | - | |
| Forex and international | |||
| Forex markup | 1.5% | 3.5% | |
| UPI rewards | |||
| Works on UPI | No | Yes | |
| Interest and charges | |||
| Interest rate (monthly) | 3.5% | 3.99% | |
| Interest rate (annual) | 42% | 47.88% | |
| Redemption | |||
| Redemption method | - | Bank transfer | |
| Redemption fee | ₹100 | ₹0 | |
| Page content | |||
| Eligibility | - | Age: 18 to 65 years Min. income: ₹15,000/mo Employment: Salaried · Self-employed | |
| Documents needed | PAN card Aadhaar / address proof Income proof (salary slips or ITR) | PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹1,524
- Fee a year
- ₹0
- You keep
- ₹1,524
- Rewards a year
- ₹2,700
- Fee a year
- ₹0
- You keep
- ₹2,700
At this spend, Kiwi Credit Cards comes out ₹1,176 a year ahead of Indusind Bajaj Tiger Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Occasional flyers who want free lounges
- International travellers
- Golfers on a budget
- People who want perks without a fee
- First-time credit card users
- People who pay mostly by UPI QR codes
- Anyone wanting a free card to build a credit score
Watch-Outs
- Base rewards are worth only about 0.4%
- Only 2 international lounge visits a year
- Headline 5% needs the paid Neon plan and big spends
- Only about 0.5% on non-UPI online spends
- Kiwis redeem only in blocks of 500 (Rs 125)
- 3.5% forex fee makes it poor abroad
Card data sourced via CardAdvisor.in (Indusind Bajaj Tiger Credit Card, Kiwi Credit Cards), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, Indusind Bajaj Tiger Credit Card or Kiwi Credit Cards?
They charge the same annual fee. Indusind Bajaj Tiger Credit Card: no annual fee; Kiwi Credit Cards: no annual fee.
Which is better for spending abroad?
Indusind Bajaj Tiger Credit Card has the lowest forex markup. Indusind Bajaj Tiger Credit Card: 1.5%; Kiwi Credit Cards: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: Kiwi Credit Cards 1%, Indusind Bajaj Tiger Credit Card 0.4%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
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