Head-to-head · 🇮🇳 India
IndusInd Tiger vs Kotak Royale Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
IndusInd Bank
IndusInd Tiger
VISA
Wins 4 of 10
IN
Kotak Mahindra
Kotak Royale Signature
VISA
Wins 4 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | IndusInd Tiger | Kotak Royale Signature |
|---|---|---|
| Annual fee | No annual fee | · ₹999 |
| Joining fee | · ₹50,000 | ₹999 |
| Top reward rate | = 4% (general) | = 4% (shopping) |
| Base reward rate | 4% | · 1% |
| Forex markup | 1.8% | · 3.5% |
| Welcome bonus | = 50,000 reward points + Taj Inner Circle Reflections membership | = 2,000 reward points worth ₹500 + Pizza Hut voucher |
| Fee waiver threshold | · N/A (no fee) | ₹250,000 / yr |
| Min income | · ₹3,500,000 | ₹300,000 |
| Min credit score | · 800 | 740 |
| Editorial rating | 4.6/5 | · 4/5 |
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 Royale Signature
- 4 reward points per ₹150 on shopping + dining
- 1 reward point per ₹150 on other spends
- 2 complimentary domestic lounge visits per quarter
- Buy-1-get-1 movie ticket at PVR (Tuesdays)
- 1% fuel surcharge waiver
FAQ
›IndusInd Tiger vs Kotak Royale Signature: which is better?
It's a true tie — pick the one whose boost categories match your spend. IndusInd Tiger wins on 4 criteria, Kotak Royale Signature on 4.
›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 Royale Signature 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 Royale Signature: 2,000 reward points worth ₹500 + Pizza Hut voucher.