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IndusInd Tiger Credit Card Review

Rewards card with lounge access

The IndusInd Tiger is lifetime free (no joining or annual fee). It earns 0.4% back on regular spends and up to 2.4% on Special Rate, with 8 domestic + 2 international airport lounge visits a year. Best for: fee-free domestic lounge access and travel — our verdict: recommended.

Vyaya Team · Aug 2026
5 min read
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Value Score
9.0 / 10
Annual Fee
₹0
Best For
Domestic frequent flyer, No-fee value seeker
Network
Visa
Expert Verdict

The IndusInd Tiger is one of the stronger lifetime-free cards here, offering 8 domestic lounges, golf, a low 1.5% forex markup and accelerated earning up to 6X. The modest 0.4/point value and broad earning exclusions on bills and rent are the main caveats.

Tiger Credit Card credit card by IndusInd Bank - Visa network
REWARD SUMMARY
0.4% Base Rewards
Rewards card with lounge access
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The Bottom Line

The Tiger Credit Card is built for domestic frequent flyer and no-fee value seeker. With no annual fee, it offers 0.8% rewards on special rate and airport lounge access. It makes the most sense if your spending matches domestic frequent flyer and no-fee value seeker.

It earns a base reward rate of 0.4% and stacks best when your spending lines up with Domestic frequent flyer, No-fee value seeker.

What we like
+Lifetime-free card (zero joining and annual fee) with excellent 8 domestic lounge visits plus 2 international per year
+Tiered accelerated earning up to 6 RP per Rs.100 (~2.4% at 0.4/point) on eligible spends versus 1 RP per Rs.100 base
+Low 1.5% forex markup, well below the typical 3.5%, good for international use
+Complimentary quarterly golf game/lesson
+Movie buy-one-get-one up to Rs.500 on BookMyShow twice a year
What we don't
–Modest 0.4/point value caps the headline 6X rate at ~2.4% effective
–Many categories excluded from earning: education, government, insurance, real estate, rent and utilities
–Only 2 international lounge visits despite 8 domestic
–Rent via third-party merchants attracts a 1% fee plus GST

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
Domestic frequent flyer

Travellers who want 8 free domestic lounge visits and golf on a lifetime-free card, with a low 1.5% forex for trips abroad.

+
No-fee value seeker

Those wanting strong lounge and travel perks without any annual fee, who can route spend into accelerated categories.

Probably not for

Skip
–
Utility/rent-heavy spender

Education, utilities, insurance, government and rent all earn nothing, hurting bill-payment users.

–
High-value points redeemer

At 0.4/point, absolute reward value remains modest even at 6X.

Is It Worth It For You?

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Calculate Your Value

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Dining
0₹5,000Max ₹50k
Est. Returns
Travel
0₹10,000Max ₹1L
Est. Returns
Online & Shopping
0₹8,000Max ₹80k
Est. Returns
Groceries
0₹6,000Max ₹40k
Est. Returns
Annual rewards₹0
Annual feeFREE
Net Value (Year 1)+₹0
Net Value (Year 2+)+₹0

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Reward Rates

Tiger Credit Card offers 0.4% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

₹
Special Rate
0.8%
Special Rate
1.6%
Special Rate
2.4%

Welcome Offer

Welcome Benefit

Fees & Charges

Joining fee₹0
Annual fee₹0
Fee waiverN/A

Eligibility

  • Min Income: ₹6 Lakhs
  • Min Credit Score: 700
  • Age 18+, Indian resident, stable income; CIBIL 700+; lifetime-free co-branded card with Bajaj Capital (Tiger Fintech); Visa Signature network.

Exclusions & Terms

Forex markup

  • Foreign currency markup

Frequently Asked Questions

6 data-backed answers from our card database

What is the annual fee of the IndusInd Tiger credit card?+

None — the IndusInd Tiger is lifetime free (no joining or annual fee).

What rewards does the IndusInd Tiger credit card give?+

It earns 1 Reward Points per ₹100 spent (about 0.4% back), and up to 2.4% on Special Rate.

Does the IndusInd Tiger credit card offer airport lounge access?+

Yes — 8 domestic + 2 international airport lounge visits a year. Check the card's terms for any spend condition before your trip.

What is the eligibility for the IndusInd Tiger credit card?+

Minimum annual income of about ₹6 lakh and a credit score of 700+. Age 18+, Indian resident, stable income; CIBIL 700+; lifetime-free co-branded card with Bajaj Capital (Tiger Fintech); Visa Signature network.

What is the forex markup on the IndusInd Tiger?+

3.5% + GST on international transactions.

Is the IndusInd Tiger credit card worth it?+

The IndusInd Tiger is lifetime free (no joining or annual fee). It earns 0.4% back on regular spends and up to 2.4% on Special Rate, with 8 domestic + 2 international airport lounge visits a year. Best for: fee-free domestic lounge access and travel — our verdict: recommended.

Ready to apply?

No annual fee. Apply on the IndusInd Bank website.

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