If you are looking for a lifetime-free credit card that offers travel, lifestyle, and reward benefits, the IndusInd Bank Tiger Credit Card might be a good fit. Co-branded with Tiger Fintech (Bajaj Capital Group), this card is designed for people who want premium features without paying any annual or joining fees.
Let’s explore the Tiger Credit Card features, benefits, eligibility, and rewards in detail.
Key Features of Tiger Credit Card
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Lifetime Free Card – No joining or annual charges.
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Reward Points (Magnificent Rewards Program):
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Up to ₹1 lakh spend → 1 point per ₹100
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₹1–2.5 lakh spend → 2 points per ₹100
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₹2.5–5 lakh spend → 4 points per ₹100
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Above ₹5 lakh spend → 6 points per ₹100
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Reward points can be redeemed for cash credit, shopping vouchers, travel bookings, and air miles.
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Travel Benefits:
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2 complimentary domestic lounge visits every quarter.
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2 complimentary international lounge visits per year via Priority Pass.
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Low foreign currency markup fee of around 1.5%.
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Lifestyle Privileges:
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1 complimentary golf game or lesson per quarter.
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1 free movie ticket worth up to ₹500 every 6 months (via BookMyShow).
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Fuel surcharge waiver of 1% on transactions between ₹400 and ₹4,000.
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Insurance & Protection:
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Coverage for lost or stolen cards.
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Protection against counterfeit frauds.
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Personal air accident insurance up to ₹25 lakh.
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Concierge & Auto Assist:
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Dedicated concierge services for travel, event bookings, and dining.
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Roadside assistance like mechanic calls, fuel delivery, flat tyre repair, and more.
Tiger Credit Card Rewards Value
If you spend ₹6 lakh annually on this card, you can earn up to 20,000+ reward points. When redeemed for cash credit, these points are worth about ₹8,000.
Along with lounge access, movie tickets, golf benefits, and insurance cover, the total yearly value can cross ₹25,000–₹30,000, depending on how well you use the perks.
Who Should Apply for the Tiger Credit Card?
✅ Best For:
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High spenders (₹5 lakh+ annually) who can maximize the top rewards slab.
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Frequent travellers who want lounge access and low forex charges.
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People looking for a lifetime-free premium credit card with travel and lifestyle perks.
❌ Not Ideal For:
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Low spenders (under ₹1 lakh annually) as the rewards are limited in lower slabs.
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People who don’t travel often and won’t use lounge access or forex benefits.
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Those looking for flat cashback cards for utility or bill payments.
Pros & Cons of IndusInd Tiger Credit Card
Final Verdict – Is the Tiger Credit Card Worth It?
The IndusInd Bank Tiger Credit Card is a strong option for anyone who wants a lifetime-free premium card. With accelerated reward points, travel perks, lifestyle privileges, and insurance protection, it offers great value, especially for high spenders and frequent travellers.
If your annual spends are modest or you prefer flat cashback, you may want to consider other cards. But if you can take full advantage of the Tiger Credit Card benefits, it is definitely one of the best no-fee premium credit cards in India.
Frequently Asked Questions (FAQ) on Tiger Credit Card
1. What is the Tiger Credit Card?
The Tiger Credit Card, officially the IndusInd Bank Tiger Credit Card, is a lifetime-free card launched in partnership with Tiger Fintech (Bajaj Capital Group). It offers reward points, travel perks, lifestyle benefits, and insurance cover at zero annual or joining fee.
2. Is the Tiger Credit Card free?
Yes. The IndusInd Bank Tiger Credit Card is life time free. There are no joining charges and no renewal fees, making it one of the best cost-effective premium cards.
3. How do Tiger Credit Card reward points work?
The card follows a slab-based reward program:
Up to ₹1 lakh spend → 1 point per ₹100
₹1–2.5 lakh spend → 2 points per ₹100
₹2.5–5 lakh spend → 4 points per ₹100
Above ₹5 lakh spend → 6 points per ₹100
These reward points can be redeemed for cash credit, shopping vouchers, travel bookings, or air miles.
4. What are the travel benefits of the Tiger Credit Card?
2 free domestic lounge visits per quarter.
2 free international lounge visits per year with Priority Pass.
Low forex mark-up fee of around 1.5%, which is beneficial for international travellers.
5. Does the Tiger Credit Card offer insurance coverage?
Yes, it comes with comprehensive insurance benefits, including:
Air accident insurance covers up to ₹25 lakh.
Fraud protection for lost, stolen, or counterfeit transactions.
Safety coverage if the card is reported stolen in time.
6. How can I apply for the Tiger Credit Card?
You can apply online through the IndusInd Bank website or via the Indus Easy Credit portal. You’ll need to provide basic details, KYC documents, and income proof during the application process.
7. Who should apply for the IndusInd Bank Tiger Credit Card?
The card is best for:
People with high annual spends (₹5 lakh+).
Frequent travellers who want lounge access and low forex charges.
Users looking for a lifetime-free premium credit card with lifestyle benefits.
8. Is the Tiger Credit Card better than cashback cards?
It depends on your spending pattern. The Tiger Credit Card is ideal if you spend high amounts annually and can make full use of rewards, travel, and lifestyle perks. If you prefer flat cashback on utilities and everyday spending, other cashback cards may suit you better.
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