Lifetime free
IndusInd Tiger Credit Card
A lifetime-free card with lounge access, golf, a 1.5% forex markup and rewards that grow the more you spend in a year.
Joining feeFree
Annual feeLifetime free
Fee waiverNot needed
Top rewardUp to 6X above ₹5 lakh a year
Lounge8 domestic + 2 international
Forex markup1.5%
Best for: Anyone who wants a free card with lounges and low forex, especially big spenders above ₹2.5 lakh a year.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| First ₹1 lakh spent in the year | 1 point per ₹100 | – |
| ₹1 lakh to ₹2.5 lakh | 2X points | – |
| ₹2.5 lakh to ₹5 lakh | 4X points | – |
| Above ₹5 lakh | 6X points | – |
| Utilities, insurance, government, education, rent | 1X only | – |
| Fuel | Nothing | – |
- 1 point = ₹0.40 as cash credit (up to 5,000 points a month, ₹149 + GST fee).
- Points transfer 1:1 to Air India Maharaja Club (up to 25,000 a month).
Benefits
Welcome benefit
- No welcome benefit.
Milestones
- Higher earn rates unlock at ₹1 lakh, ₹2.5 lakh and ₹5 lakh yearly spend.
Travel and lounges
- 8 domestic lounge visits a year (2 a quarter) and 2 international visits.
- 1 golf round a quarter.
Fuel and forex
- Forex markup 1.5%, plus 2% + GST on rupee payments to foreign merchants.
- 1% fuel surcharge waiver on ₹400 to ₹4,000.
Other perks
- A free BookMyShow ticket up to ₹500 every six months (till 31 Mar 2027)
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | Lifetime free |
| Interest | 3.5% a month |
| Forex markup | 1.5% |
| Other fees | 1% + GST on rent, and on high utility, wallet, fuel and transport spends |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Income proof needed; IndusInd does not publish a minimum
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- No annual fee
- Lounge access with no spend rule
- Low 1.5% forex markup
Watch out for
- Low rewards below ₹1 lakh a year
- Fees on many bill categories
- Redemption fees
Recent changes
- 15 Jun 2026Rupee payments to foreign merchants fee doubled to 2% + GST; new fee on high transport spends.
- 1 Jun 20261:1 Air India Maharaja Club transfers started.
- 21 Dec 2025Free air accident insurance withdrawn.
Frequently asked questions
Is IndusInd Tiger really free?
Yes. There is no joining or annual fee and no spend condition.
Ready to apply for the IndusInd Tiger Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.