Route spending through Up to 6 RP per ₹100 on the slab (product page 2026-09-17).
Earn 4.5× here — 4.5% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Lifetime-free · No-fee
INDUSIND BANK · INDUSIND BANK TIGER CREDIT CARD
IndusInd Bank Tiger Credit Card
ANNUAL FEE
Free
FIRST-YEAR NET VALUE
₹7,200 for a mid spender · travel
INDUSIND BANK
Updated 17 Sep 2026 6 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is IndusInd Bank's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE 650+ Good band
AGE 21 – 65 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹7,200 first-year net value · mid spender · travel
Category rewards ₹7,200
Net first-year value ₹7,200
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 0.40% back on eligible spends 1 pts 1 points per ₹100
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 4.5% back
2 RP per ₹100 on the slab; accelerated points exclude fuel, utilities, insurance, government, education and similar MCCs (product page 2026-09-17) · 1.5%
4 RP per ₹100 on the slab (product page 2026-09-17) · 3.0%
Up to 6 RP per ₹100 on the slab (product page 2026-09-17) · 4.5%
Everything else (base) · 0.4%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time IndusInd Bank tweaks the program.
Don't sleep on 4 RP per ₹100 on the slab (product page 2026-09-17).
The second tier earns 3.0× (3.0% back). Often overlooked next to the headline category but compounds if you route consistently.
Redeem through the best path, not the default.
Point value varies across redemption options. Best path: ₹0.75/point. Same earnings, more value.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 1.5% · lowest in class
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
2 domestic + 2 international visits per year via Priority Pass. Primary cardholder.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹4L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How IndusInd Bank Tiger Credit Card has changed.
Last verified 17 Sep 2026.
- 17 Sep 2026 Reward structure corrected to the annual-spend slab ladder on the product page (1 RP per ₹100 up to ₹1L, then 2, 4 and 6 RP per ₹100 on the ₹1L-2.5L, ₹2.5L-5L and above-₹5L slabs) at ₹0.40 per point, replacing the travel-and-entertainment 3X/6X entries; cash redemption cap 5,000 points a month. Lifetime free, 1.5% forex, 2 domestic lounge visits a quarter and 2 international a year via Priority Pass re-verified. Accelerated rates now apply to all eligible spend by slab rather than only travel and entertainment; base value falls from 0.75% to 0.4%
- 1 Sep 2024 Monthly reward redemption cap introduced Limited cash redemption to 5,000 points per calendar month
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: IndusInd Tiger Credit Card product page (official), IndusInd Tiger Credit Card detailed product features T&C page (official), IndusInd Premium Credit Cards MITC PDF (official), IndusInd fuel surcharge waiver T&C page (official), IndusInd credit cards page (official; reward points no-expiry statement), indusind.bank.in. Next scheduled review: 17 Mar 2027.