The IndusInd Tiger Credit Card packs perks you would normally expect on a fee-paying card into a lifetime free package. You get 10 lounge visits a year including international access through Priority Pass, reward multipliers of up to 6X, 1:1 conversion into Maharaja Points, free movie tickets, golf and a lower-than-usual 1.5% forex markup.
Benefits at a glance
| Benefit | What you get | Detail |
|---|---|---|
| Rewards | Up to 6X multipliers based on annual spending | Worth up to ₹8,000 a year |
| Points conversion | 1:1 into Maharaja Points | 100 Reward Points = 100 Maharaja Points |
| Domestic lounges | 8 a year | 2 per quarter |
| International lounges | 2 a year | Via Priority Pass membership |
| Movies | 2 free tickets worth up to ₹500 a year | Once every 6 months on BookMyShow |
| Golf | 4 games or lessons a year | – |
| Forex markup | 1.5% | On overseas transactions |
Good to know: the multiplier you earn depends on how much you spend in a year. The scraped details do not set out the base earn rate or the spend slabs, so check the current reward table on IndusInd Bank’s site before you rely on the top rate.
Getting value from it
Since the card costs nothing, every lounge visit, movie ticket and golf round is pure saving. A traveller who uses all 10 lounge visits and both free movie tickets is already ahead before earning a single point. The 1:1 transfer to Maharaja Points is useful if you fly Air India and like redeeming for flights. For foreign spends, the 1.5% markup is lower than many cards charge, though not as low as zero-forex cards.
The card also suits people who are just starting out. New-to-credit applicants are accepted and the salaried income bar is only ₹20,000 a month, which is low for a card with Priority Pass access. The main condition is a clean record: no delayed payments in the last 12 months on any existing loan or card.
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | Free, for life |
| Forex markup | 1.5% |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Income (salaried) | ₹20,000 a month |
| Income (self-employed) | ₹30,000 a month |
| Credit score | 700 or above |
| First credit card? | Allowed |
| Repayment record | No delayed payments in the last 12 months |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
- Photo: a recent passport-sized photograph
How to apply
- Tap Apply on IndusInd Bank site on this page to open IndusInd Bank’s credit card application.
- Complete the form in the same session, keeping your PAN and Aadhaar handy.
- Finish verification and KYC when prompted.
- Once approved, activate the card and set up your reward and lounge benefits.
Keep your PAN, Aadhaar and recent income proof ready before you start, so you can finish the application without the session timing out.
Who should get it, and who shouldn’t
Get it if you want a free card with travel perks, especially international lounge access, and you fly a few times a year. It is also a strong first card thanks to the low income bar.
Skip it if you want simple, predictable cashback. The reward structure depends on spend slabs, and a cashback card will be easier to track.
