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Indusind Bajaj Tiger vs SBI Cashback Credit Card 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.

Indusind Bajaj Tiger Credit Card versus SBI Cashback Credit Card compared
FeatureIndusind Bajaj Tiger Credit CardIndusind Bajaj Tiger Credit CardIndusInd Bank5 recent changes →
SBI Cashback Credit CardSBI Cashback Credit CardState Bank of India5 recent changes →
Rewards by spend
Rewards0.4% on most spends1% base, up to 5% on online shopping
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.4%5%
Dining and food delivery0.4%1%
Groceries0.4%1%
Travel: flights, hotels, trains0.4%1%
FuelsameEarns nothingEarns nothing
Bills and rechargesNot statedEarns nothing
RentNot statedEarns nothing
Insurance premiumsNot statedEarns nothing
School and college feesNot statedEarns nothing
Wallet top-ups0.4%Earns nothing
Taxes and government paymentsNot statedEarns nothing
Spend abroad or in a foreign currency0.4%1%
Everything else0.4%1%
Card identity
Card typeRewardsShopping
NetworksameVisaVisa
Card tiersameMidMid
Fees
Joining feeFree₹999 + GST
Annual feeFree₹999 + GST
Lifetime freeYesNo
Fee waived at-₹2,00,000
Eligibility
Employment type-BOTH
Min credit score-650
Rewards
Reward typeReward pointsCashback
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap-₹100
Lounge access
Domestic lounge visits8-
International lounge visits2-
Lounge condition8 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 markup1.5%3.5%
Interest and charges
Interest rate (monthly)3.5%3.75%
Interest rate (annual)42%45%
Redemption
Redemption fee₹100-
Page content
Eligibility-Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 30,000 Credit Score: 650+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants
Documents neededPAN card Aadhaar / address proof Income proof (salary slips or ITR)ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photo
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Worth in Rupees at ₹20,000 a Month

Indusind Bajaj Tiger Credit Card
Rewards a year
₹1,524
Fee a year
₹0
You keep
₹1,524
SBI Cashback Credit Card
Rewards a year
₹4,800
Fee a year
₹0
You keep
₹4,800

At this spend, SBI Cashback Credit Card comes out ₹3,276 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

Indusind Bajaj Tiger Credit Card
  • Occasional flyers who want free lounges
  • International travellers
  • Golfers on a budget
  • People who want perks without a fee
SBI Cashback Credit Card
  • Heavy online shoppers
  • People who want plain cashback, not points
  • Shoppers who use many different websites

Watch-Outs

Indusind Bajaj Tiger Credit Card
  • Base rewards are worth only about 0.4%
  • Only 2 international lounge visits a year
SBI Cashback Credit Card
  • No cashback on utilities, insurance, fuel, rent, wallets or EMIs
  • 5% stops after Rs 40,000 online spend a month
  • No airport lounge access
  • 3.5% forex fee

Card data sourced via CardAdvisor.in (Indusind Bajaj Tiger Credit Card, SBI Cashback Credit Card), 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 SBI Cashback Credit Card?

Indusind Bajaj Tiger Credit Card. Indusind Bajaj Tiger Credit Card: no annual fee; SBI Cashback Credit Card: ₹999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Indusind Bajaj Tiger Credit Card has the lowest forex markup. Indusind Bajaj Tiger Credit Card: 1.5%; SBI Cashback Credit Card: 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: SBI Cashback Credit Card 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.

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