Skip to main content
Credit CardsComparisons

ICICI Platinum Chip Card vs IndusInd Bank Tiger Credit Card

A head-to-head comparison of ICICI Platinum Chip Card and IndusInd Bank Tiger Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

Lifetime FreeCard A
Annual Fee
Lifetime Free
Reward Rate
2 PAYBACK Points per ₹100
Apply Now Read full review →
Lifetime FreeCard B

IndusInd Bank Tiger Credit Card

Lifetime-Free Travel & Lounge

Annual Fee
Lifetime Free
Reward Rate
Up to 6X tiered (~2.4% effective)
Apply Now Read full review →

Feature comparison

FeatureICICI PlatinumIndusInd Bank
Annual FeeLifetime FreeLifetime Free
Reward Rate2 PAYBACK Points per ₹100Up to 6X tiered (~2.4% effective)
Best ForBank OffersLifetime-Free Travel & Lounge
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryICICI PlatinumIndusInd Bank
Domestic travel
International travel
Everyday spending
Airport lounge access
Fuel surcharge waiver

Quick verdict

Choose ICICI Platinum Chip Card if:

  • This is your first credit card

Choose IndusInd Bank Tiger Credit Card if:

  • You spend heavily on international travel
  • You spend heavily on domestic travel
  • You spend heavily on airport lounge access
  • You spend heavily on fuel surcharge waiver

Full pros & cons

ICICI Platinum Chip Card

What's good
  • Zero maintenance cost — purely passive value
  • Unlocks exclusive ICICI e-commerce sale discounts
  • Accepted across all major Indian shopping platforms
Watch out for
  • Very poor base reward rate outside sale events
  • No reward points on rent, e-wallet loads, government, and education spends (2026 change)
  • Reward points expire after 2 years of card inactivity

IndusInd Bank Tiger Credit Card

What's good
  • Truly lifetime free — no annual or joining fee
  • 2 international lounge visits/year via Priority Pass + 2 domestic visits/quarter
  • Low 1.5% forex markup (vs the standard 3.5%) for occasional foreign spends
  • 1 free movie ticket every 6 months on BookMyShow + 1 golf game per quarter
Watch out for
  • Minimum income criteria — ₹6L p.a. salaried / ₹8L self-employed; 750+ credit score expected
  • Reward rate is tiered: only 1 RP per ₹100 (0.4%) on first ₹1L annual spend — the 6X rate unlocks after ₹5L
  • 1.5% forex still beats standard cards but lags zero-forex options like IDFC Wow or Scapia
  • Reward Point value is ₹0.40 each — middling redemption value vs cashback cards