Tiger Credit Card
Annual Fee
FREE
Rewards/₹100 ⓘ
₹0.40 - ₹2.40
Interest Rate
42.00%
Credit Score
750+
At a Glance
Key Benefits
Up to 6X rewards, 1.5% forex, golf/quarter, movie/6mo, 1% fuel waiver, Rs.25L insurance, concierge
Lounge Access
8 domestic (2/quarter via DreamFolks) + 2 international/year (Priority Pass)
Eligibility
Age: 21-60 years, Income: Rs.30K+/month, Credit Score: 750+, Indian national/resident/NRI
Quick Details
Reward Structure
Up to Rs.1 Lakh annual spend
Rs.1-2.5 Lakhs annual spend
Rs.2.5-5 Lakhs annual spend
Above Rs.5 Lakhs annual spend
Reward Calculator
Milestone Benefits
Rs.250 Paytm recharge and bill payment voucher (promotional offer - check eligibility)
value
Airport Lounge Access
visits per quarter
DreamFolks Program - 8 domestic lounge visits per year (2 per quarter)
visits per year
Priority Pass - 2 complimentary international lounge visits per year
Insurance Coverage
Air Accident
₹25,00,000
Personal accident insurance cover up to Rs.25 lakhs
Lost Card
₹5,00,000
Total Protect Program: Insurance coverage up to 48 hours prior to reporting theft/loss, protection against counterfeit fraud
Other
₹0
Travel insurance and emergency assistance services for trip cancellations and emergencies
Lifestyle Perks
Golf
1 /quarter
One complimentary golf game or lesson per quarter at select golf courses in India
Movie
1
One complimentary movie ticket up to Rs.500 on BookMyShow every 6 months
Concierge
1
24/7 concierge service for flight bookings, car rental, limousine service, sports and entertainment bookings
Other
1
1% fuel surcharge waiver on all fuel stations (Rs.400-4,000 transactions)
Quick Analysis
The IndusInd Tiger Credit Card is an excellent lifetime free card for users with high annual spending. Its tiered reward structure means the card becomes significantly more rewarding as you spend more - reaching 6X rewards (2.4% return) on spends above Rs.5 lakhs annually. Combined with low forex markup, lounge access, and lifestyle benefits like golf and movies, this is one of the best no-fee cards in India. However, low spenders (under Rs.1 lakh/year) will only earn 1X rewards, making it less attractive for that segment.
Pros
- Lifetime free - no joining or annual fee
- Tiered rewards up to 6X (6 points per Rs.100)
- Good point value at Rs.0.40 per point
- Low forex markup of only 1.5% (vs 3.5% industry standard)
- 8 domestic lounge visits per year (2/quarter via DreamFolks)
- 2 international lounge visits per year (Priority Pass)
- 1 complimentary golf game/lesson per quarter
- 1 free movie ticket (up to Rs.500) every 6 months
- 1% fuel surcharge waiver (Rs.400-4,000 transactions)
- Personal accident insurance up to Rs.25 lakhs
- Total Protect fraud protection program
- 24/7 concierge service
- 50-day interest-free period
Cons
- Rewards capped at spending tiers (need Rs.5L+ annual spend for 6X)
- Reward points expire after 24 months
- No rewards on fuel, utilities, insurance, EMI, education, govt payments
- Cash redemption limited to Rs.5,000 per month
- InterMiles redemption discontinued from Jan 21, 2025
- Redemption fee: Rs.149 for cash, Rs.100 for other categories (from April 2025)
- High APR of 42% per annum
- 1% + GST fee on rent payments
- Lower reward rates below Rs.1 lakh annual spend (only 1X)
- Requires Rs.30K monthly income (higher than some LTF cards)
Best For
High spenders seeking lifetime free card with premium benefits and low forex markup
Not Ideal For
Low spenders (under Rs.1L annually) or those who spend primarily on fuel/utilities
Frequently Asked Questions
Is the IndusInd Tiger Credit Card really lifetime free?
How does the tiered reward structure work?
What transactions do not earn reward points?
What is the forex markup on international transactions?
How many lounge visits do I get?
Do reward points expire?
What are the redemption options and fees?
What is the minimum income required?
User Reviews
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