IndusInd Bank Tiger Credit Card
Best for high spenders wanting a lifetime-free travel card with Air India transfers. Tiered by annual spend: 1 RP/Rs100 (<=1L), 2 (1-2.5L), 4 (2.5-5L), 6 (>5L); 1 RP=Rs0.40 cash; 1:1 Air India Maharaja Points (from 1 Jun 2026), 4 RP=1 KrisFlyer mile
Terms as of 2026-09-27 · Checked 30 September 2026IndusInd Bank Tiger Credit Card at a glance
Who it suits: High spenders wanting a lifetime-free travel card with Air India transfers
Rewards & cashback
| Details | |
|---|---|
| How you earn | Tiered by annual spend: 1 RP/Rs100 (<=1L), 2 (1-2.5L), 4 (2.5-5L), 6 (>5L); 1 RP=Rs0.40 cash; 1:1 Air India Maharaja Points (from 1 Jun 2026), 4 RP=1 KrisFlyer mile |
| Caps & exclusions | Cash/KrisFlyer max 5,000 RP/month; Maharaja max 25,000/month; excludes fuel, utility, insurance, govt, education, rent, real estate |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹480 | ₹480 |
| ₹3,00,000 / year | ₹1,200 | ₹1,200 |
| ₹6,00,000 / year | ₹2,400 | ₹2,400 |
| ₹12,00,000 / year | ₹4,800 | ₹4,800 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | 2 domestic/quarter (Visa) + 2 international/year (Priority Pass) |
| Fuel surcharge | Conflicting: CardExpert says none; Paisabazaar says 1% on Rs400-4,000 |
| Forex markup | 1.50% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | Free + GST |
| Annual / renewal fee | Free + GST |
| Fee waiver | Lifetime free |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Age | 21-60 |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| Standard Chartered Beyond | Standard Chartered | ₹15,000 / ₹25,000 | 3.33% base value | Affluent Priority Banking clients |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
Frequently asked questions
What is the annual fee of the IndusInd Bank Tiger Credit Card?
Joining fee Free and annual fee Free (plus 18% GST). Lifetime free.
What rewards does it offer?
Tiered by annual spend: 1 RP/Rs100 (<=1L), 2 (1-2.5L), 4 (2.5-5L), 6 (>5L); 1 RP=Rs0.40 cash; 1:1 Air India Maharaja Points (from 1 Jun 2026), 4 RP=1 KrisFlyer mile Caps/exclusions: Cash/KrisFlyer max 5,000 RP/month; Maharaja max 25,000/month; excludes fuel, utility, insurance, govt, education, rent, real estate
Does it give airport lounge access?
2 domestic/quarter (Visa) + 2 international/year (Priority Pass)
What is the forex markup?
1.50% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹1,770.
Is the IndusInd Bank Tiger Credit Card good for me?
Best for: High spenders wanting a lifetime-free travel card with Air India transfers. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.cardexpert.in, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on IndusInd Bank’s website before applying. FinancePortal is not affiliated with the issuer.