INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official indusind.com (IndusInd Bank) Most Important Terms and Conditions (MITC).

🏛️IndusInd Bank Ltd.Network: Visa InfiniteShopping & Rewards CardsLast Verified: 2026-09-28

IndusInd Bank Tiger Credit Card

इंडसइंड बैंक टाइगर क्रेडिट कार्ड

Lifestyle card offering 6 points per ₹100 on dining, low 1.5% forex markup, 8 domestic & 2 international lounge visits, and LTF renewal.

Annual Fee₹499 + GST Joining (Renewal: Lifetime Free ₹0)

Reward RateAccelerated reward points on dining and food delivery spends: 6 Reward Points per ₹100 on dining/food apps. 2 Reward Points per ₹100 on general retail spends.

Airport Lounge2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually). 2 complimentary international lounge visits per year via Priority Pass.

Forex MarkupLow 1.50% + GST markup on foreign currency transactions.

What Is This Card

IndusInd Bank Tiger Credit Card is a co-branded fintech card built on Visa Infinite. Engineered for modern lifestyle spenders, it delivers 6 points per ₹100 on food delivery and dining, an ultra-low 1.50% forex markup, 8 domestic and 2 international lounge accesses, and lifetime-free renewal.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹499 + GST Joining (Renewal: Lifetime Free ₹0)

Fee Waiver: Renewal fee is ₹0 (Lifetime Free after initial ₹499 fee).

🎁Welcome Benefit

Gift vouchers worth ₹500 from partner brands credited upon completing first transaction within 30 days.

⚡Reward Points Structure

Accelerated reward points on dining and food delivery spends: 6 Reward Points per ₹100 on dining/food apps. 2 Reward Points per ₹100 on general retail spends.

Redemption Value: 1 Reward Point = ₹0.40 directly redeemable for statement credit or retail merchandise.

🛫Airport & Railway Lounge Access

2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually). 2 complimentary international lounge visits per year via Priority Pass.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Personal accident cover of ₹15 Lakhs. Lost card liability cover up to credit limit.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹4,000.

🎯Milestone Spends & Grace Period

Milestones: Low 1.50% forex markup on international spends. Buy 1 Get 1 free movie ticket discount on BookMyShow up to ₹250 twice a month.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Food delivery accelerated rewards carry monthly spend caps. High 46% annual finance charge on revolving balances. Sourcing is selectively available via digital fintech partner funnels.

Forex Markup FeeLow 1.50% + GST markup on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹300 (whichever is higher) + 3.83% monthly finance charges.

Finance Charges (Interest)3.83% per month (46.00% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹350 for ₹501–₹1,000; ₹550 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).

Reward Points ExpiryReward points expire 2 years (24 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 65 with monthly salary exceeding ₹35,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹4,80,000.

Age Requirement21 to 65 Years

Minimum Income₹35,000/month (Salaried) / ₹4,80,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 730+ is standard.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit indusind.com/tiger or apply via partner mobile application.

2Enter PAN and mobile number for soft algorithmic underwriting.

3Select IndusInd Tiger Credit Card.

4Enter employer details and monthly salary.

5Complete online Video KYC session with bank official.

6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any IndusInd Bank branch by submitting self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (indusind.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on IndusInd Bank Tiger Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹350 for ₹501–₹1,000; ₹550 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.83% per month (46.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on IndusInd Bank Tiger Credit Card into EMI?

Yes, IndusInd Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on IndusInd Bank Tiger Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into IndusInd Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹0.40 directly redeemable for statement credit or retail merchandise. Please note: Reward points expire 2 years (24 months) from the date of accrual.

What is the interest-free grace period on IndusInd Bank Tiger Credit Card and how does it work?

The interest-free period on IndusInd Bank Tiger Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.83% per month (46.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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