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Lifetime FreeLast updated: 24 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 6 Reward Points per ₹100 spent
Earn 1 RP/₹100 up to ₹1 Lakh annual spend; 2 RPs/₹100 from ₹1 Lakh to ₹2.5 Lakh; 4 RPs/₹100 from ₹2.5 Lakh to ₹5 Lakh; 6 RPs/₹100 above ₹5 Lakh.
Redeem for
The privileges that come bundled in, beyond the reward points.
Lounge Access: 2 complimentary domestic airport lounge visits per quarter (8 per year) unconditionally
International Lounge: 2 complimentary international lounge visits per year via Priority Pass
Entertainment: 1 complimentary BookMyShow movie ticket (up to ₹500) every 6 months
Golf: 1 complimentary golf game or lesson per quarter (4 per year)
Fuel: 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000
An honest read on where this card earns its keep — and where it doesn't.
Truly lifetime free with zero joining and annual fees
Generous lounge access (8 domestic and 2 international) without spend hurdles
Low foreign transaction markup fee of 1.5%
Excellent 1:1 reward transfer ratio to Air India Flying Returns
Complimentary movie tickets and golf games added at no cost
Base reward rate is low (0.7% value) for spenders under ₹1 Lakh annually
Highest reward rate requires crossing ₹5 Lakh in annual spending
No welcome bonuses or joining perks
Cash redemption is capped at a maximum of ₹5,000 per month
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how IndusInd Bank Tiger Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about IndusInd Bank Tiger Credit Card fees, reward conversion, lounge access, and application eligibility.
Yes, IndusInd Bank Tiger Credit Card is issued as a Lifetime Free (LTF) credit card with ₹0 joining fee and ₹0 annual renewal fee. Cardholders do not need to hit an annual spend target to waive the fee. Standard GST is only applicable on interest or fee-based services if incurred.
IndusInd Bank Tiger Credit Card earns Reward Points at a primary rate of Up to 6 Reward Points per ₹100 spent. Specifically, Earn 1 RP/₹100 up to ₹1 Lakh annual spend; 2 RPs/₹100 from ₹1 Lakh to ₹2.5 Lakh; 4 RPs/₹100 from ₹2.5 Lakh to ₹5 Lakh; 6 RPs/₹100 above ₹5 Lakh.. Spends in Lifetime Free, Travel, Rewards, Lifestyle categories provide the maximum valueback per transaction on this card.
Rewards earned on IndusInd Bank Tiger Credit Card can be redeemed for Air India Flying Returns (1:1), Maharaja Club Points, KrisFlyer Miles, Cash Credit (1 RP = ₹0.40), BookMyShow Vouchers via IndusInd Bank's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
Yes, IndusInd Bank Tiger Credit Card features complimentary airport lounge privileges. Privileges include: "Lounge Access: 2 complimentary domestic airport lounge visits per quarter (8 per year) unconditionally". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 700 or above is strongly recommended for approval of IndusInd Bank Tiger Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
IndusInd Bank Tiger Credit Card is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
IndusInd Bank Tiger Credit Card levies a forex markup fee of 1.50% of the transaction amount on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
IndusInd Bank Tiger Credit Card currently features a welcome offer: "Lifetime free credit card with no joining or annual fees required.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Truly lifetime free with zero joining and annual fees and Generous lounge access (8 domestic and 2 international) without spend hurdles. However, keep in mind that Base reward rate is low (0.7% value) for spenders under ₹1 Lakh annually and Highest reward rate requires crossing ₹5 Lakh in annual spending. Overall, IndusInd Bank Tiger Credit Card delivers strong value if your regular spending aligns with Lifetime Free, Travel, Rewards, Lifestyle.
Yes, IndusInd Bank Tiger Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel: 1% fuel surcharge waiver for transactions between ₹400 and ₹4). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
