IndusInd Bank
Indusind Bajaj Tiger Credit Card
Data last verified: 28 September 2026
- Joining feeFree
- Annual feeFree
- Reward rate0.4% on most spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual feeFree
- Lifetime freeYes
- Forex markup1.5%
- Interest (APR)3.5% a month, 42% a year
The Tiger card packs perks you usually pay for into a card with no fee. You get 8 domestic lounge visits a year (2 a quarter), 2 international visits through Priority Pass, 4 golf games or lessons, and a free BookMyShow movie ticket every six months, up to Rs 500.
There is no joining or annual fee, and there is no spend target to keep lounge access. The forex markup is just 1.5%, less than half of what most cards charge, which helps on foreign trips.
It suits people who travel a few times a year and want lounges without paying for a premium card. The catch is the base reward rate: points are worth about 0.4% of spend, so it is a perks card, not a rewards card. Accelerated categories go up to 6 points per Rs 100.
Best for: Occasional flyers who want free lounges, International travellers, Golfers on a budget, People who want perks without a fee.
01Indusind Bajaj Tiger Credit Card Rewards and Benefits
02Indusind Bajaj Tiger Credit Card Annual Fee and Charges
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Spend-based waiver
- None
- Rewards redemption fee
- ₹100 per request
- Forex markup
- 1.5%
- Interest rate
- 3.5% a month (42% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning ~0.63%₹127
- Back each month, ₹1,524 a year₹127
- In your pocket each year₹1,524
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Anyone who wants no annual fee, ever
- Flyers: 10 airport lounge visits a year
- Spending abroad: 1.5% markup, most cards add 3.5%
Skip it if…
- most of your spending is fuel: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on utility bills, rent, insurance or education: the card's terms do not state a rate there, so we count nothing
- you sometimes pay only the minimum due: interest of 3.5% a month (42% a year) outweighs any reward
04Product Details
- Lifetime free, no joining or annual fee
- 8 domestic lounge visits a year, 2 per quarter
- 2 international lounge visits a year through Priority Pass
- 4 complimentary golf games or lessons a year
- 1.5% forex markup
- Up to 6 reward points per ₹100 on accelerated spends
- Buy one get one on BookMyShow every 6 months, up to ₹500
05Pros and Cons
Pros
- Lounge access with no spend condition
- Low 1.5% forex fee on a free card
- Golf and movie perks included
- Nothing to pay to keep it
Cons
- Base rewards are worth only about 0.4%
- Only 2 international lounge visits a year
06How Indusind Bajaj Tiger Credit Card earns Rewards
0.4% on most spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.4% | No cap | The card's normal rate |
| Dining and food delivery | 0.4% | No cap | The card's normal rate |
| Groceries | 0.4% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.4% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Not stated | - | the card's terms give it a rate of its own we cannot read as a number |
| Rent | Not stated | - | the card's terms give it a rate of its own we cannot read as a number |
| Insurance premiums | Not stated | - | the card's terms give it a rate of its own we cannot read as a number |
| School and college fees | Not stated | - | the card's terms give it a rate of its own we cannot read as a number |
| Wallet top-ups | 0.4% | No cap | The card's normal rate |
| Taxes and government payments | Not stated | - | the card's terms give it a rate of its own we cannot read as a number |
| Spend abroad or in a foreign currency | 0.4% | No cap | The card's normal rate |
| Everything else | 0.4% | No cap | The card's normal rate |
Terms on the base rate. Incremental annual-spend ladder, 1 RP per ₹100 to ₹1 lakh, then 2X to ₹2.5 lakh, 4X to ₹5 lakh and 6X above. 0.40% on the first ₹1 lakh at ₹0.40 a point, rising to a 2.40% marginal ceiling. Fuel earns nothing; utility, insurance, government, education, real estate and rent earn base 1X only.
Point value. 1 point is worth about ₹0.4 at the bank's stated value.
07Indusind Bajaj Tiger Credit Card Lounge Access and Travel
Domestic lounge access is 8 visits a year, international is 2 visits a year. 8 domestic (2 a quarter) + 2 international airport lounge visits a year, no spend condition is published for the Tiger, though IndusInd began spend-gating domestic lounge access on several other cards from 1 April 2026. Spending abroad carries a 1.5% forex markup; rewards on it: 0.4% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, golf privileges, airport lounge access, milestone bonuses, movie ticket offers.
- Fuel surcharge waiver: 1% fuel surcharge waiver at fuel stations across India on transactions from ₹400 to ₹4,000, with no capping on the amount waived
- Golf privileges: 1 complimentary golf round per quarter
- Milestone bonuses: The 2X rung of the Magnificent Rewards ladder, 1,500 extra reward points for the slice of annual spend between ₹1 lakh and ₹2.5 lakh, credited on top of the 1 RP per ₹100 base
- Milestone bonuses: The 4X rung of the Magnificent Rewards ladder, 7,500 extra reward points for the slice of annual spend between ₹2.5 lakh and ₹5 lakh. Spend beyond ₹5 lakh earns an unbounded 6X that no fixed bonus can express, so it is not modelled here
- Movie ticket offers: One complimentary BookMyShow ticket worth up to ₹500 every six months, one in the April to September window and one in the October to March window. Valid till 31 March 2027.
08Indusind Bajaj Tiger Credit Card Eligibility and Documents
Documents. PAN card Aadhaar / address proof Income proof (salary slips or ITR)
09Recent Changes
What IndusInd Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Jun 2026 | Reduced: Dynamic Currency Conversion fee doubled to 2%Source: IndusInd Bank | 1% mark-up + taxes | 2% + GST |
| 15 Jun 2026 | Reduced: New 1% surcharge on transport spends above ₹40,000/cycleSource: IndusInd Bank | No transport surcharge | 1% + GST above ₹40,000 per cycle |
| 1 Jun 2026 | Changed: Air India Maharaja Club 1:1 transfers go liveSource: IndusInd Bank | No airline transfer partner | Points → Air India Maharaja Club at 1:1 (up to 25,000 pts a month) |
| 21 Dec 2025 | Reduced: Complimentary air-accident insurance withdrawnSource: IndusInd Bank | Complimentary air-accident cover provided with the card | No air-accident cover |
| 4 May 2025 | Reduced: New 1% fee on fuel spends above ₹50,000/cycleSource: IndusInd Bank | No bank fee on fuel spends | 1% + GST on cumulative fuel above ₹50,000 per statement cycle |
See this card's change history → · All card changes in June 2026 →
10Cards Similar to Indusind Bajaj Tiger Credit Card
Indusind Bajaj Tiger Credit Card is a rewards card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Indusind Bajaj Tiger Credit Card |  Federal Scapia Credit card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | Lifetime free | Lifetime free | ₹499 + GST |
| Annual fee | Lifetime free | Lifetime free | ₹499 + GST |
| Rewards | 0.4% on most spends | 2% on most spends; 4% only at partner merchants | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 8 visits a year | Unlimited | Not included |
| Forex markup | 1.5% | 0% | 3.5% |
| Type | Rewards | Travel | Fuel |
11Explore More
Card facts last verified 28 September 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Already Have a Credit Card?
Track your card spending with SkyloFin - Expense Tracker. Statements, due dates and every spend, read from your bank SMS on your own phone.
Common Questions
Is the IndusInd Tiger card lifetime free?
Yes. There is no joining fee and no annual fee.
How many lounge visits do I get?
You get 8 domestic visits a year, 2 per quarter, and 2 international visits through Priority Pass. There is no spend condition.
What is the forex markup?
It is 1.5% on foreign currency spends, which is low for any card.
Is it good for rewards?
Not really. Regular points are worth about 0.4% of spend. The value is in the lounges, golf and low forex fee.
What is the joining fee for the Indusind Bajaj Tiger Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Indusind Bajaj Tiger Credit Card?
The annual fee is Free.
Does the Indusind Bajaj Tiger Credit Card give airport lounge access?
Yes. Domestic lounge access is 8 visits a year, international is 2 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IndusInd Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
Other options worth a look
See all credit cards
Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
