IndusInd Bank Tiger Credit Card
Fees
Free
Joining & annual
1st year freeReward Rate
Tier-based annual spending reward structure: 1 reward point per ₹100 spent on annual spends up to ₹1 Lakh; 2 reward points per ₹100 spent on annual spends between ₹1 Lakh and ₹2.5 Lakh; 4 reward points per ₹100 spent on annual spends between ₹2.5 Lakh and ₹5 Lakh; 6 reward points per ₹100 spent on annual spends above ₹5 Lakh
Welcome Bonus
N/A
Lounge
Domestic + International (Spend-Based)
Our Expert Take
IndusInd Tiger rewards high annual spenders well: the tiered structure climbs from 1 point per ₹100 up to 6 points per ₹100 once you cross ₹5 lakh for the year, a 7.2% equivalent return at the top tier. It's a free card with real premium perks (lounge access, golf, 1:1 mile conversion), but you need to spend consistently to reach the best rate.
Reward limits
Checked 3 Oct 2026 · Bank terms
-
1 to 6 points per ₹100, rising with your yearly spend
No limit -
Points redeemed as cash credit
Max 5,000 points per calendar month
No rewards on: Fuel
Pros & Cons
Key Advantages
- Lifetime free, with no ongoing annual fee
- 1.5% forex markup
- Reward rate climbs to a 7.2% equivalent return once you cross ₹5 lakh in annual spend
- Domestic and international lounge access, plus seasonal golf access
- Points convert to airline miles at up to a 1:1 ratio
Limitations
- Requires ₹5 lakh in annual spend to reach the top 6X reward point multiplier
- Core daily household categories such as regular monthly utility bill payments and insurance premium outlays are entirely excluded from generating points
- Low cash conversion reward redemption value if points are settled straight back as a standard statement balance credit
Key Perks & Spending Milestones
1 reward point accrued for every ₹100 spent on incremental annual retail outlays up to a cumulative ₹1 Lakh benchmark (1.2% equivalent value back rate)
2 reward points accumulated for every ₹100 spent on incremental annual retail outlays bounded between the ₹1 Lakh and ₹2.5 Lakh thresholds (2.4% equivalent value back rate)
4 reward points generated for every ₹100 spent on incremental annual retail outlays bounded between the ₹2.5 Lakh and ₹5 Lakh milestones (4.8% equivalent value back rate)
6 reward points generated for every ₹100 spent on incremental annual retail outlays expanding beyond the primary ₹5 Lakh threshold (7.2% maximum equivalent value back rate)
Standard redemption value baseline where 1 Reward Point = ₹0.40 when settled straight against Cash Credit or partner catalog options
1 Reward Point converts to 1 Air India Maharaja Club Point, a clean 1:1 redemption
Global air mileage conversion alternative tracking at 400 Reward Points = 100 KrisFlyer Miles (Singapore Airlines)
2 complimentary domestic airport lounge terminal access visits across India per calendar quarter
Complimentary Priority Pass membership tracking with up to 2 free international airport lounge terminal access visits per calendar year
1 complimentary golf game or professional instructional golf lesson managed globally per calendar quarter
Buy One Get One Free movie ticket configuration accessible via BookMyShow providing 1 free ticket worth up to ₹500 off every 6 rolling months within the calendar year
Unlimited 1% fuel surcharge waiver shield protection covering all authorized petroleum pump transactions bounded between ₹400 and ₹4,00,000
Dedicated 24/7 personal Concierge Services managing pre-trip assistance, hotel arrangements, flight updates, and global flower/gift delivery lines
Built-in Auto Assist roadside coverage protecting accounts against emergency on-road repairs, flat tire assistance, battery jump-starts, and recovery logistics
Spend milestone
Spend above ₹5,00,000 within the card anniversary cycle to activate the 6X reward multiplier
Fees & Charges
Joining fee
Free
Annual fee
Free 1st year free
N/A (Offered as a lifetime free credit card with no joining or recurring annual maintenance fee liabilities)
Interest rate
3.5% per month (42% per annum)
Late payment fee
- ₹501 to ₹1,000
- ₹350
- ₹10,001 to ₹25,000
- ₹800
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
Credit score & income
Good (700+)
Frequently Asked Questions
What's the reward rate on IndusInd Tiger?
Can Tiger's reward points transfer to airline programs?
How many lounge visits does Tiger offer?
Compare IndusInd Bank Tiger Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IndusInd Bank Tiger Credit Card This Card | Free | Tier-based annual spending reward structure: 1 reward point per... | Domestic + International (Spend-Based) | 3.0/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |