Route spending through 6X reward points on travel and entertainment after crossing ₹10 lakh annual spend.
Earn 9.0× here — 9.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Lifetime-free · Travel & Lifestyle
INDUSIND BANK · INDUSIND BANK TIGER CREDIT CARD
IndusInd Bank Tiger Credit Card
ANNUAL FEE
Free
FIRST-YEAR NET VALUE
₹72,900 for a mid spender · travel
INDUSIND BANK
Updated 2026-02-24 3 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
₹72,900 first-year net value · mid spender · travel
Category rewards ₹72,900
Net first-year value ₹72,900
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
≈ 0.75% back on eligible spends 1 pts 1 points per ₹100
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 9.0% back
3X reward points on travel and entertainment after crossing ₹1 lakh annual spend · 4.5%
6X reward points on travel and entertainment after crossing ₹10 lakh annual spend · 9.0%
Everything else (base) · 0.8%
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 3X reward points on travel and entertainment after crossing ₹1 lakh annual spend.
The second tier earns 4.5× (4.5% 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.
HOW WE KEEP THIS CURRENT
Last verified 2026-02-24. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.