IndusInd Bank IndusInd Bank Tiger Credit Card Review
StandardIndusInd Bank
Quick Facts
Joining FeeLTF
Renewal FeeLTF
Best ForTravel
Forex Markup1.50%
30-Second Verdict
Expert VerdictThe Tiger Credit Card is a powerful travel companion, prioritizing unlimited lounge access and airport privileges for frequent flyers.
International Travel•No Annual Fee
Who Should Apply
- You value airport lounge access and travel perks.
- You want a steady return rate of 0.4% on standard spends.
Who Should Skip
- Your average monthly card spends are less than ₹25,000.
- You prefer cash statement credits over travel reward point transfers.
Key Numbers
Base Reward Rate
1 RP / ₹100
Accelerated Rate
None
Forex Markup
1.50%
Joining Fee
None
Annual Fee
None
Eligibility
Age: 21 - 65 Years
Requires good credit score and stable income.
Domestic Lounge
2/Quarter
Primary: Yes • Add-on: No • Guest: No
International Lounge
Priority Pass
2
Primary: Yes • Add-on: No • Guest: No
Reward Point Mechanics
Understanding how your spends translate into real-world value is key. Here is how you earn, translate, and redeem your reward points.
Earning Blueprint
Accrual & MultipliersBase Earn Rate:1 RP / ₹100
Multipliers & Milestones:
Milestone 1x0.4% yield
Earn 1 RP per ₹100 spent on annual spends up to ₹1,00,000.Milestone 2x0.8% yield
Earn 2 RPs per ₹100 spent on annual spends between ₹1,00,001 and ₹2,50,000.Milestone 4x1.6% yield
Earn 4 RPs per ₹100 spent on annual spends between ₹2,50,001 and ₹5,00,000.Milestone 6x2.4% yield
Earn 6 RPs per ₹100 spent on annual spends exceeding ₹5,00,000.Point Translation
Value depends on how you redeemStandard Currency Point Value
1 Reward Points = ₹0.4
when redeemed for flights/travelRedemption Values:
Airlines/Hotel Miles:0.6 - 4 per pt
Statement Credit:₹0.5 per pt
Vouchers:₹0.5 per pt
Merchandise:₹0.5 per pt
Partner Transfers
Miles conversion ratiosSingapore Airlines KrisFlyerRatio 4:1
Air India Maharaja ClubRatio 1:1
1. Fees & Charges
The IndusInd Bank IndusInd Bank Tiger Credit Card is offered as a Lifetime Free (LTF) credit card, meaning there are zero upfront joining fees and zero annual renewal charges.
2. Airport Lounge Access
For frequent flyers, lounge privileges provide significant comfort and savings:
- Domestic Lounges: Eligible: True (Visa/Mastercard Lounge Program). Complimentary Visits: 2 per quarter. Spend threshold: None.
- International Lounges: Eligible: True (Priority Pass). Complimentary Visits: 2 per year. Spend threshold: None.
3. Rewards Rate & Value
Optimize your spending with the card's rewards structure:
- Base Reward Rate: Earn an effective 0.4% back on general purchases.
- Point Valuation: 1 Reward Points = ₹0.4 value.
- Important Exclusions: Spends on Fuel, Utility Spends, Insurance Spends, Government Spends, Education Spends, Real Estate Spends, Rental Spends do not earn standard reward points.
4. Verdict: Should You Apply?
Get it if...
- ✓ You value having lounge access on network programs.
- ✓ Your primary spending categories align with this card's reward structure.
- ✓ You want a lifetime free card with zero annual maintenance fees.
Skip it if...
- ✗ You prefer direct cash-back over reward points or travel miles.
- ✗ Your major spending is on excluded categories like rent or utilities (Fuel, Utility Spends, Insurance Spends, Government Spends, Education Spends, Real Estate Spends, Rental Spends).
Exclusions & Caps Warning
- Fuel transactions do not earn standard reward points, but are eligible for a 1% surcharge waiver up to ₹500/month.
- Cash advances, balance transfers, and EMI conversions do not earn reward points.
Pros & Cons
Advantages | Disadvantages |
|---|---|
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Rewards Point Calculator
Estimate your annual rewards based on your customized spending profile. Slide the bars to adjust your spends and see the total reward points earned.
Total Reward Points Earned
7,000
Points / Year
Premium Dining & Lifestyle Benefits
| Category | Privileges & Details |
|---|---|
| Travel & Lounges | Complimentary international airport lounge access (Unlimited lounges) |
| Golf Privileges | Golf – 1 complimentary golf game or lesson per quarter. |
| Entertainment & Movies | BookMyShow Offer – Buy 1 Get 1 free movie ticket up to ₹500 every 6 months in a calendar year. |
| Insurance Coverages | Air Accident Cover: Up to ₹25 Lakh |
| Memberships |
|
Redemption Sweet Spots
Best Value Redemption Strategy: Redeeming points for statement credits yields poor value. Instead, transfer points to airline/hotel loyalty programs (like Marriott Bonvoy or airline miles) to secure maximum value per point.
Cardswise Score
8.0
Rewards6/10
Travel Perks7/10
Lifestyle6/10
Value for Money10/10
Frequently Asked Questions
What is the annual fee and waiver limit of IndusInd Bank IndusInd Bank Tiger Credit Card?
The card is Lifetime Free (LTF) and has no annual renewal fee.
Does IndusInd Bank IndusInd Bank Tiger Credit Card offer complimentary lounge access?
Domestic lounge: 2 per quarter (Spend requirement: None). International lounge: 2 per year.
What is the foreign exchange markup fee?
The card has a foreign exchange markup of 1.50%.
What is the spending limit on the card?
The card limit is determined based on your credit score, ITR/salary documents, and existing credit relationship with the issuing bank.
How do you apply for this card?
You can apply online via the issuer's portal, netbanking, or by visiting a local branch with income proof documents.
Do reward points expire?
Yes, the reward points have lifetime validity and will never expire.
Tiger Credit Card
Lifetime Free