SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for travel, lounge, and golf.
Why it can work
It combines complimentary airport lounge access, a low 1.5% forex markup, and no annual fee.
Where value may drop
Fuel don't earn rewards.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Reward Points/yr |
|---|---|---|
| Utility bills | Rs 3,000 | 360 |
| Other spends | Rs 8,000 | 960 |
| Rent | Rs 5,000 | 600 |
| Insurance | Rs 2,000 | 240 |
| Education | Rs 3,000 | 360 |
| Tax / Government payments | Rs 2,000 | 240 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for airport lounge access
10 complimentary lounge visits a year across domestic and international.
Best for international spends
A low 1.5% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns reward points you can put toward flights, hotels, or transfer partners.
Best as a no-fee everyday card
Lifetime-free, so there's no annual fee to recover before it adds value.
Avoid if you want pure cashback
Simpler cashback cards exist if you'd rather not manage reward points.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| Utility, insurance, government, education, real estate, and rent spends | 1 point per Rs 100 |
| Base spends (up to Rs 1L) | 1 point per Rs 100 |
| Base spends (Rs 1.01L - 2.5L) | 2 points per Rs 100 |
| Base spends (Rs 2.51L - 5L) | 4 points per Rs 100 |
| Base spends (above Rs 5L) | 6 points per Rs 100 |
Redemption
| Airline | Programme | Ratio |
|---|---|---|
| Singapore Airlines | KrisFlyer | 4:1 |
| Air India | Maharaja Club | 1:1 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Priority Pass membership is complimentary ($99 value), but visits beyond the 2 complimentary visits are charged at standard rates.
Exclusions
Categories that earn no rewards on this card.
- fuel
- cash advances
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- 1 complimentary golf game or lesson per quarter
- 1 complimentary movie ticket up to Rs 500 every 6 months on BookMyShow
- Auto Assist roadside emergency services (breakdown, key replacement, flat tire)
Additional details
- Cash redemption is capped at 5,000 reward points per calendar month
Latest updates
Recent changes to this card.
- Effective June 1, 2026, IndusInd Bank upgraded the reward points transfer ratio for the Tiger Credit Card to Air India Maharaja Club from the previous 2:1 to 1:1.
- This means 1 IndusInd reward point now converts to 1 Maharaja Club point.
- The monthly cap of 25,000 points remains.
- Transfers are irreversible and can only be made to your own Maharaja Club account via the IndusMoments portal.
- Effective 15 June 2026, IndusInd Bank has revised credit card charges.
- Late payment fees now range up to ₹1,300 depending on outstanding balance.
- Additionally, a 1% fee (plus GST) applies to Dynamic Currency Conversion (DCC) transactions, cumulative fuel transactions exceeding ₹50,000, and utility/transport payments exceeding ₹40,000 in a statement cycle.
- Effective April 1, 2026, Air India enhanced the Maharaja Club program with lower redemption thresholds for award flights and upgrades across domestic and international routes.
- This increases the effective value of Maharaja Club points earned via IndusInd Tiger reward transfers.
Eligibility
Check this before you apply.
Salaried
- Eligibility is subject to IndusInd Bank approval criteria
Self-employed
- Eligibility is subject to IndusInd Bank approval criteria
Compare before you decide
Alternatives based on what you might want instead.
IndusInd Bank Pinnacle Credit Card
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PIONEER Legacy Credit Card
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ICICI Bank Emeralde Private Metal Credit Card
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