IndusInd Tiger vs SBI Cashback
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI Cashback wins 5-3. Pure online cashback — 5% on any online merchant, no partner restrictions. IndusInd Tiger is still the right call if wildlife conservation enthusiasts — supports bandipur tiger reserve..
Side-by-side
| Criterion | IndusInd Tiger | SBI Cashback |
|---|---|---|
| Annual fee | No annual fee | · ₹999 |
| Joining fee | · ₹50,000 | ₹999 |
| Top reward rate | · 4% (general) | 5% (shopping) |
| Base reward rate | 4% | · 1% |
| Forex markup | 1.8% | · 3.5% |
| Welcome bonus | = 50,000 reward points + Taj Inner Circle Reflections membership | = Cashback offsets joining fee on first ₹999+ spend |
| Fee waiver threshold | · N/A (no fee) | ₹200,000 / yr |
| Min income | · ₹3,500,000 | ₹360,000 |
| Min credit score | · 800 | 750 |
| Editorial rating | = 4.6/5 | = 4.6/5 |
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
SBI Cashback
- 5% cashback on ALL online spends (not just listed merchants) — capped ₹5,000/month
- 1% cashback on offline spends
- Auto-credited within 2 days of statement
- 1% fuel surcharge waiver
FAQ
›IndusInd Tiger vs SBI Cashback: which is better?
SBI Cashback wins on more dimensions (5 vs 3). 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, SBI Cashback for online shopping. 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. SBI Cashback: Cashback offsets joining fee on first ₹999+ spend.