IndusInd Bank Tiger Credit Card benefits
- Fees
Lifetime free: no joining or annual fee
- Rewards1
to 6 reward points per ₹100, rising with yearly spend
- Lounge8
domestic and 2 international lounge visits a year
- Benefit
Movie ticket up to ₹500 every 6 months
Good to know
- 1 point = ₹0.40 as cash credit
- 1.5% foreign currency markup
IndusInd Bank Tiger Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Everything else | 1 points per ₹100 | None |
| Spends above ₹1,00,000 a year2 points per ₹100 on spends from ₹1 lakh to ₹2.5 lakh in a year. | 2 points per ₹100 | None |
| Spends above ₹2,50,000 a year4 points per ₹100 on spends from ₹2.5 lakh to ₹5 lakh in a year. | 4 points per ₹100 | None |
| Spends above ₹5,00,000 a year6 points per ₹100 on spends above ₹5 lakh in a year. | 6 points per ₹100 | None |
We value one point at ₹0.4 in the usual redemption.
No rewards on: Fuel. Accelerated points also do not apply to utility bills, insurance, government services, education, real estate and rent.
All reward rules
- Reward points rise with your yearly spend: 1 point per ₹100 up to ₹1 lakh, 2 points from ₹1 lakh to ₹2.5 lakh, 4 points from ₹2.5 lakh to ₹5 lakh, and 6 points above ₹5 lakh, on each slab's spends. Our maths counts each slab, spreading your yearly spend evenly over 12 months, and leaves bills at 1 point.
- 1 reward point = ₹0.40 as cash credit, or 4 points = 1 KrisFlyer mile.
- Cash redemption is limited to 5,000 points a calendar month. From 1 April 2025, cash-credit redemption costs ₹149 plus GST each time, needs at least 500 points, and you can redeem the lesser of 50% of your points balance or the monthly limit.
- One movie ticket up to ₹500 on BookMyShow every 6 months, and one golf game or lesson a quarter.
What the IndusInd Bank Tiger Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 0.86% | ₹309 |
| Dining and food delivery | ₹2,000 | 0.86% | ₹206 |
| Online shopping | ₹18,000 | 0.86% | ₹1,856 |
| Travel | ₹1,000 | 0.86% | ₹103 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0.4% | ₹96 |
| Everything else | ₹3,000 | 0.86% | ₹309 |
| Total | ₹30,000 | ₹2,880 | |
| Renewal fee with GST | None | ||
| You keep | ₹2,880* |
That is ₹1,320 a year more than the IDFC FIRST Wealth Credit Card on the same spending.
IndusInd Bank Tiger Credit Card annual fee and charges
- Joining fee
- Free
- Annual fee
- Free
- Fee waiver
- Not needed
- Foreign currency markup
- 1.5%
IndusInd Bank's terms list nil joining and annual fees for the Tiger card.
Fuel surcharge: 1% fuel surcharge waiver on transactions from ₹400 to ₹4,000.
IndusInd Bank Tiger Credit Card eligibility
IndusInd Bank's card page does not publish age or income limits. The bank decides when you apply.
The bank alone decides approval and your credit limit.
IndusInd Bank Tiger Credit Card lounge access
8 domestic and 2 international visits a year. Banks often set a spend condition, so read the reward rules above.
2 domestic lounge visits a quarter with the card, and 2 international visits a year through Priority Pass.
Is the IndusInd Bank Tiger Credit Card right for you?
A lifetime free card, paying a below-average 0.4% on most spends.
Good for you if
- You want a card to keep for years without paying a yearly fee, which also builds a long credit history.
- You pay in foreign currency, abroad or on foreign websites: the markup is 1.5%, against a typical 3.5% on the cards we list.
- You fly a few times a year: it includes 8 domestic and 2 international airport lounge visits a year.
Not for you if
- You want strong rewards on everyday spending: most spends earn 0.4%.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to IndusInd Bank Tiger Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| IndusInd Bank Tiger Credit Card | Free | 2.4% | ₹2,352* |
| IDFC FIRST Wealth Credit Card | Free | 1.25% | ₹1,755* |
| HSBC Premier Credit Card | Free | 3% | ₹9,720* |
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
Is the IndusInd Tiger Credit Card lifetime free?
Yes. IndusInd Bank's terms list nil joining and annual fees for the Tiger card.
How do Tiger reward points work?
The rate depends on your spend in the card year: 1 point per ₹100 up to ₹1 lakh, 2 from ₹1 lakh to ₹2.5 lakh, 4 from ₹2.5 lakh to ₹5 lakh and 6 above ₹5 lakh. Each point is worth ₹0.40 as cash credit.
Does the Tiger card give lounge access?
Yes. You get 2 domestic lounge visits a quarter and 2 international visits a year through Priority Pass.
What is the forex markup on the Tiger card?
1.5% on international spends, lower than the 3.5% most cards charge.
Are there limits on redeeming points?
Cash redemption is limited to 5,000 points a calendar month and to half your balance at a time. Each cash-credit redemption costs ₹149 plus GST from 1 April 2025.