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IndusInd Bank · Visa / Mastercard · हिन्दी

IndusInd Bank Tiger Credit Card: full review

The IndusInd Tiger Credit Card is a genuinely strong lifetime-free option specifically for higher, consistent annual spenders - the reward multiplier only gets attractive once you cross ₹1L a year, and becomes genuinely competitive past ₹2.5L-5L. The real standout is lounge access with no spend gate, paired with low forex and golf perks, at zero ongoing cost. Less compelling for light spenders who will mostly earn at the modest base 0.4% rate.

Apply now ↗Annual fee: Lifetime free
Last updated: September 2026 · Current terms verified
INDUSIND BANK
VISA
)))
TIGER
ASHOK KUMAR
12/28
Lifetime free (no joining or annual fee)Annual fee
Spend-slab based, not category based: 1 Reward Point per ₹100 on annual spends up to ₹1L; 2 RP/₹100 on ₹1L-2.5L; 4 RP/₹100 on ₹2.5L-5L; 6 RP/₹100 above ₹5L; 1 RP = ₹0.40 cash credit, or transferable to Air India Maharaja Club (rate varies by source, roughly 1:1); points expire 24 months from accrual; redemption capped at 5,000 points/month since Sep 2024Reward structure
8 domestic visits/year (2 per quarter) plus 2 international visits/year via Priority Pass - no minimum monthly spend required to unlock, unlike most lounge-access cardsLounge access
Co-branded with Tiger Fintech, a Bajaj Capital Group companySpend-slab reward multiplier rising from 1 RP to 6 RP per ₹100 as annual spend increases8 domestic + 2 international lounge visits/year with no minimum spend requirement1 complimentary golf game or lesson per quarter1 complimentary BookMyShow movie ticket up to ₹500 every 6 months1.5% + GST forex markup, low for a lifetime-free card1% fuel surcharge waiver on transactions between ₹400-₹4,00024/7 concierge and Auto Assist roadside supportTotal Protect fraud coverage up to your full credit limit
Apply now ↗ Min. income: Not publicly specified; open to both salaried and self-employed Indian residents · Credit score: Not publicly specified
Pros and cons
Pros
✓ Genuinely lifetime free with a real lounge, golf and low-forex benefit stack
✓ Lounge access has no minimum spend gate, unusual among cards at this fee point
✓ Reward multiplier rewards loyalty and high spend meaningfully if you reach the top slabs
✓ Real, verified detail from the bank's own official benefit guide, not just aggregator claims
Cons
✗ Base rate is a modest 1 RP per ₹100 (0.4%) until you cross ₹1L in annual spend
✗ No published income or credit score requirement, so approval odds are unclear upfront
✗ Cash redemption capped at 5,000 points/month since September 2024, limiting high-spend flexibility
✗ Only 1 movie ticket every 6 months and 1 golf session per quarter, modest compared to premium travel cards
Quick facts
Issuer IndusInd Bank
Network Visa / Mastercard
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free (no joining or annual fee)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 domestic visits/year (2 per quarter) plus 2 international visits/year via Priority Pass - no minimum monthly spend required to unlock, unlike most lounge-access cards
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 1.5% + GST
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Not publicly specified; open to both salaried and self-employed Indian residents
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not publicly specified
SourceIndusInd Bank's published card terms and official card page · Last updated September 2026
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Frequently asked questions
The annual fee for IndusInd Bank Tiger Credit Card is Lifetime free (no joining or annual fee). This card is lifetime free with no annual fee.
Spend-slab based, not category based: 1 Reward Point per ₹100 on annual spends up to ₹1L; 2 RP/₹100 on ₹1L-2.5L; 4 RP/₹100 on ₹2.5L-5L; 6 RP/₹100 above ₹5L; 1 RP = ₹0.40 cash credit, or transferable to Air India Maharaja Club (rate varies by source, roughly 1:1); points expire 24 months from accrual; redemption capped at 5,000 points/month since Sep 2024
IndusInd Bank Tiger Credit Card is best for High annual spenders able to reach the ₹5L+ slab for the strongest multiplier, wanting real lounge access with no minimum spend gate and low forex. The IndusInd Tiger Credit Card is a genuinely strong lifetime-free option specifically for higher, consistent annual spenders - the reward multiplier only gets attractive once you cross ₹1L a year, and becomes genuinely competitive past ₹2.5L-5L. The real standout is lounge access with no spend gate, paired with low forex and golf perks, at zero ongoing cost. Less compelling for light spenders who will mostly earn at the modest base 0.4% rate.
The minimum income requirement for IndusInd Bank Tiger Credit Card is Not publicly specified; open to both salaried and self-employed Indian residents. A minimum credit score of Not publicly specified is also recommended.
Yes, IndusInd Bank Tiger Credit Card offers 8 domestic visits/year (2 per quarter) plus 2 international visits/year via Priority Pass - no minimum monthly spend required to unlock, unlike most lounge-access cards.
IndusInd Bank Tiger Credit Card charges a 1.5% + GST foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Travel Credit Cards →Best Lifetime Free Credit Cards →Best Premium Credit Cards →Best Super Premium Credit Cards →Best Credit Cards for Students →
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