IndusInd Tiger vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IndusInd Tiger wins 5-4. Wildlife conservation enthusiasts — supports Bandipur Tiger Reserve. HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | IndusInd Tiger | HDFC Regalia |
|---|---|---|
| Annual fee | No annual fee | · ₹2,500 |
| Joining fee | · ₹50,000 | ₹2,500 |
| Top reward rate | 4% (general) | · 2.7% (general) |
| Base reward rate | 4% | · 2.7% |
| Forex markup | 1.8% | · 2% |
| Welcome bonus | = 50,000 reward points + Taj Inner Circle Reflections membership | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | · N/A (no fee) | ₹300,000 / yr |
| Min income | · ₹3,500,000 | ₹1,200,000 |
| Min credit score | · 800 | 770 |
| 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
HDFC Regalia
- 4 reward points per ₹150
- 12 domestic + 6 international lounge visits/year
- Low forex markup 2%
- Buy-1-get-1 BookMyShow tickets
- Milestone reward points at ₹1L, ₹5L
FAQ
›IndusInd Tiger vs HDFC Regalia: which is better?
IndusInd Tiger wins on more dimensions (5 vs 4). 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, HDFC Regalia 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. HDFC Regalia: 2,500 reward points on first 90-day spend.