Compare IDFC FIRST Wealth and IndusInd Bank Tiger: eligible rewards, fee waivers, exclusions and lounge conditions. See dated issuer sources and a spending scenario.
Confirm currently offered fee status and lounge spending tests before applying; free ownership and complimentary lounge eligibility are separate.
IDFC FIRST Wealth is a no-annual-fee option centred on travel benefits, dining rewards and airport lounge access.
Apply for IDFC FIRST Wealth →
IndusInd Bank Tiger is a no-annual-fee option centred on shopping rewards, travel benefits and international spending.
Apply for IndusInd Bank Tiger →Issuer MITC link checked: IDFC FIRST Wealth: 2026-10-29, IndusInd Bank Tiger: 2026-10-29 | No Sponsored Ranking. Issuer record checked: IDFC FIRST Wealth: 2026-10-09, IndusInd Bank Tiger: 2026-10-09. Link checks confirm document availability, not a complete re-audit of every product rule.
CardIQ may earn a commission from a live partner application link. Compensation does not determine this comparison.
Illustration: equal eligible spending in each of 12 months / statement cycles, no refunds and no prior cap usage. Different merchant baskets may apply to each card; read both assumptions. Rewards are cash-equivalent estimates, not profit or guaranteed savings.
Reward rates, caps or redemption value are not sufficiently structured for an exact rupee estimate. This is not a zero-reward claim.
Reward rates, caps or redemption value are not sufficiently structured for an exact rupee estimate. This is not a zero-reward claim.
Excludes borrowing interest, redemption charges, extra transaction fees, vouchers, welcome gifts, lounge valuations, FX conversion and paid plans. Selecting Travel / Forex does not assume every travel booking is an overseas transaction. Waiver-eligible spend can differ from reward-eligible spend: this simplified scenario assumes all entered spend counts toward the displayed renewal threshold. Confirm the issuer's exact threshold boundary.
Not verified means unknown, not eligible or excluded. The sourced wording below distinguishes reward exclusions from waiver and lounge rules.
| Condition | IDFC FIRST Wealth | IndusInd Bank Tiger |
|---|---|---|
| Joining fee + GST | No joining fee · ₹0.00 incl. GST | No fee · ₹0.00 incl. GST |
| Renewal fee + GST | No annual fee · ₹0.00 incl. GST before waiver | No fee · ₹0.00 incl. GST before waiver |
| Annual spend for renewal waiver | Not verified / not applicable; see fee wording. | Not verified / not applicable; see fee wording. |
| Base and accelerated rewards; caps | 10X points on eligible dining, travel, international and birthday purchases Optional UPI companion card has separate fees; reward redemption and exclusion rules apply. | 1 point per ₹100 initially; higher annual incremental-spend slabs earn up to 6 points per ₹100 1 point = ₹0.40 as cash credit; cash redemption capped at 5,000 points per calendar month. Specified essential categories do not earn accelerated points; fuel earns none. |
| Domestic/international lounges and spend conditions | 1 domestic and 1 global lounge visit per quarter, subject to issuer qualifying spend. | Not verified in the maintained record. Check the linked issuer terms. |
| Forex markup (+ applicable GST) | Zero forex markup; primary card has no joining or annual fee. | 1.5% foreign-currency markup plus taxes. |
| Annual interest rate | Not verified; consult the linked issuer MITC and your personal offer. | Not verified; consult the linked issuer MITC and your personal offer. |
| UPI Scan & Pay | Optional UPI companion card has separate fees; reward redemption and exclusion rules apply. | Not verified in the maintained record. Check the linked issuer terms. |
| Utility bills & telecom | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Insurance premiums | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Government / NPS / tax payments | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Fuel & rent | Not verified in the maintained record. Check the linked issuer terms. | Specified essential categories do not earn accelerated points; fuel earns none. |
| Gold / jewellery | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| School / education | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Official issuer MITC / reward documents | Issuer MITC PDF | Issuer MITC PDF |
Confirm currently offered fee status and lounge spending tests before applying; free ownership and complimentary lounge eligibility are separate.
IDFC FIRST Wealth: No annual fee; renewal threshold not verified / not applicable. IndusInd Bank Tiger: No fee; renewal threshold not verified / not applicable.
IDFC FIRST Wealth: 1 domestic and 1 global lounge visit per quarter, subject to issuer qualifying spend. IndusInd Bank Tiger: Not verified in the maintained record. Check the linked issuer terms.
The answer depends on eligible merchants, payment app, caps and reward redemption. Use a modelled scenario only where both cards have verified inputs. Unknown categories are not treated as zero rewards.
A secured or no-annual-fee card may be worth checking. These are not guaranteed or statistically high-approval offers. KYC, deposit, income and issuer conditions still apply.
No annual fee
Subject to issuer availability and approval.
Requires a fixed deposit with the issuer; approval is subject to its conditions. Resident applicants require a minimum ₹20,000 eligible fixed deposit.
Apply for IDFC FIRST WOW! →
No annual fee; currently offered lifetime-free; confirm acquisition eligibility
Subject to issuer availability and approval.
Apply for ixigo AU →