IndusInd Tiger vs Standard Chartered Ultimate
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IndusInd Tiger wins 5-4. Wildlife conservation enthusiasts — supports Bandipur Tiger Reserve. Standard Chartered Ultimate is still the right call if best general earn-rate at the ₹5k fee tier..
Side-by-side
| Criterion | IndusInd Tiger | Standard Chartered Ultimate |
|---|---|---|
| Annual fee | No annual fee | · ₹5,000 |
| Joining fee | · ₹50,000 | ₹5,000 |
| Top reward rate | 4% (general) | · 3.3% (general) |
| Base reward rate | 4% | · 3.3% |
| Forex markup | 1.8% | · 3.5% |
| Welcome bonus | = 50,000 reward points + Taj Inner Circle Reflections membership | = 6,000 reward points + ₹1,000 voucher |
| Fee waiver threshold | · N/A (no fee) | ₹1,500,000 / yr |
| Min income | · ₹3,500,000 | ₹1,500,000 |
| Min credit score | · 800 | 780 |
| Editorial rating | 4.6/5 | · 4.4/5 |
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
Standard Chartered Ultimate
- 5 reward points per ₹150 (effectively 3.3%)
- 4 complimentary international lounge visits/year
- BookMyShow buy-1-get-1
- 1% fuel surcharge waiver
- Comprehensive travel + purchase insurance
FAQ
›IndusInd Tiger vs Standard Chartered Ultimate: 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, Standard Chartered Ultimate 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. Standard Chartered Ultimate: 6,000 reward points + ₹1,000 voucher.