IndusInd Bank Tiger

Fees

Waiver: No joining fee and no annual/renewal fee for the life of the card; consistently confirmed as lifetime-free by the issuer and multiple aggregators.

Rewards

Perks

• ✓Domestic lounge access: 8/yr2 complimentary visits per calendar quarter (8/year) via IndusInd Bank's own Domestic Airport Lounge Access Program; the Tiger card is explicitly listed as a participating card in the bank's own program document (dated July 2026). No minimum quarterly spend condition is stated by the bank or by aggregators. Visa cardholders must validate entry with a nominal ₹2 swipe transaction per the program's terms.
• ✓International lounge access: 2/yr2 complimentary visits per year via Priority Pass, per the bank's own benefit guide. Some third-party review sites note that once complimentary visits are exhausted, further Priority Pass entry can cost up to USD 35 per visit; this per-visit fee is not confirmed on the bank's own page.
• ✓Fuel surcharge waiver: 1%
• ✓Forex markup: 1.5%
• ✓Concierge service
• ✓One complimentary golf game or lesson per quarter (4/year), bookable only through IndusInd's own golf booking portal — direct booking with the golf course is not permitted per the bank's FAQ.
• ✓Total Protect: covers unauthorized card transactions up to the full credit card limit, including cover for up to 48 hours prior to reporting loss/theft and protection against counterfeit-card fraud; also available on add-on cards
• ✓Reward rate is tiered by cumulative spend in the card membership year: 1 point/₹100 up to ₹1,00,000 spent, 2 points/₹100 from ₹1,00,001-2,50,000, 4 points/₹100 from ₹2,50,001-5,00,000, and 6 points/₹100 above ₹5,00,000; fuel, utilities, insurance, government services, education, real estate, and rental payments are commonly reported as excluded from earning by aggregators (not explicitly listed in the bank's own benefit guide)
• ✓Reward points redeemable as cash credit at 1 point = ₹0.40 against the statement; a cap of 5,000 points per calendar month for cash redemption took effect 1 September 2024 per multiple aggregators, though the bank's own (undated) benefit guide FAQ still states there is no redemption cap — treat the monthly cap as the current, more recently corroborated figure
• ✓Redemption fee is reported inconsistently: some aggregators cite ₹149 + GST per redemption, one cites ₹149 for cash vs ₹100 for other options, and another states there is no redemption fee at all — could not be reconciled against a single authoritative source
• ✓Airmile conversion rate is reported inconsistently across sources: the bank's own benefit guide states 1 Reward Point = 1.2 air miles, while aggregators variously cite 4 points = 1 KrisFlyer mile or 400 points = 120 KrisFlyer miles; one review notes the prior Vistara/InterMiles redemption partnership was affected by the Air India-Vistara merger, reducing practical redemption value
• ✓Reward points expire 24 months from the date of accrual
• ✓24x7 concierge (travel/event bookings, gift delivery) and Auto Assist roadside assistance (mechanical breakdown, emergency fuel up to 5 litres, flat tyre, locked keys, battery, towing, accident/medical coordination); Auto Assist is available only in Delhi, Mumbai, Kolkata, Chennai, Bengaluru, and Pune
• ✓An air accident cover of ₹25 lakh is claimed by at least one aggregator but is not listed in the bank's own current benefit guide for this card — treated as unconfirmed rather than a promised benefit