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IndusInd Bank
Lifetime free, with a rate that climbs to 6X and the lowest forex markup of any free card here
One-time
Zero renewal fee
Uncapped rewards
Score 700+
Applying takes you to IndusInd Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
1 reward rate with their caps, taken from IndusInd Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 10 Oct 2026.
See where each figure came fromEverything else
No published ceiling on this tier
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
6% on Everything else — The top slab, above Rs. 5,00,000 of annual spending. The multiplier runs 1X up to Rs. 1,00,000, 2X to Rs. 2,50,000, 4X to Rs. 5,00,000 and 6X above it., with no stated cap.
Biggest limitation
The multiplier is set by annual spending: up to Rs. 1,00,000 earns only 1X, and the 6X rate needs more than Rs. 5,00,000 a year.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
6 pts
uncappedEverything else
The top slab, above Rs. 5,00,000 of annual spending. The multiplier runs 1X up to Rs. 1,00,000, 2X to Rs. 2,50,000, 4X to Rs. 5,00,000 and 6X above it.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | Nil | — |
| Annual / renewal fee | Lifetime free | The card carries no annual fee, so there is no waiver to earn. |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Late payment | Nil up to Rs. 100 outstanding, Rs. 100 from Rs. 101 to Rs. 500, Rs. 350 from Rs. 501 to Rs. 1,000, Rs. 550 from Rs. 1,001 to Rs. 10,000, and Rs. 700 above Rs. 10,000 | — |
| Foreign currency markup | 1.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
No fee, ever
the rewards simply continue
No fuel surcharge waiver is published for this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
IndusInd BankIndusInd Bank Jio-bp Mobility+ Credit CardSee fees
IndusInd BankIndusInd Bank Nexxt Credit CardSee fees
IndusInd BankIndusInd Bank Pinnacle Credit Card₹5,000
IndusInd BankIndusInd Bank Legend Credit CardLifetime freeSuryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IndusInd Bank Tiger Credit Card · this card | Lifetime free | 6% everything else | Included |
| IndusInd Bank ePay American Express Credit Card | Lifetime free | Up to 5% cashback | No |
| IndusInd Bank Jio-bp Mobility+ Credit Card | ₹0 | Up to 12 reward points per ₹100 | No |
| IndusInd Bank Nexxt Credit Card | ₹0 | Up to 1 reward points per ₹150 | No |
| IndusInd Bank Pinnacle Credit Card | ₹5,000 | Up to 2.5 reward points per ₹100 | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
It is a lifetime-free card — there is no annual fee.
The strongest published rate is 6% on everything else, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. The issuer publishes no additional spend condition for this card's lounge access.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
Redeemed as cash credit at Rs. 0.40 a Reward Point, Converted to air miles at 1.2 miles a Reward Point
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
It rises with annual spending in four slabs: 1X up to Rs. 1,00,000, 2X from Rs. 1,00,001 to Rs. 2,50,000, 4X from Rs. 2,50,001 to Rs. 5,00,000, and 6X above Rs. 5,00,000 — up to 6 accelerated Reward Points per Rs. 100. At the published Rs. 0.40 a point that is 0.4% at the bottom and 2.4% at the top, which is a high return for a card with no fee.
Yes. IndusInd publishes no joining fee and no annual fee on this card, with no spend condition. What makes it unusual is everything attached to it: a 1.5% foreign currency markup, eight domestic lounge visits a year, golf, a concierge and a cinema ticket twice a year, none of which a free card normally carries.
Rs. 0.40 as cash credit, or 1.2 air miles if converted. The air-mile route is worth more for anybody who flies, and it is the better reading of the card's return: at 6X the cash value is 2.4% while the mile value is higher again. Points are valid for 24 months from the date they are earned.
Two complimentary domestic lounge visits a quarter — eight a year — and two international visits a year through Priority Pass. For a card with no annual fee that is a genuinely large allowance; several paid cards in this catalogue give less.
The slab. Spending up to Rs. 1,00,000 a year earns only 1X, which is 0.4% back, and the multiplier resets each year — so a quiet year drops you to the bottom slab regardless of what you spent before. Reaching 6X needs more than Rs. 5,00,000 a year, about Rs. 42,000 a month, which is a lot for a card most people take because it is free.
IndusInd Bank, as a co-branded card with Tiger Fintech Private Limited, a Bajaj Capital group company. The bank is the issuer and the card runs on IndusInd's own terms — including its 3.83% a month interest rate and its late payment slabs.
The Tiger carries no joining fee and no annual fee at any spend level, and then attaches the benefit set of a card that charges two or three thousand rupees: a 1.5% foreign currency markup, two domestic lounge visits a quarter, two international a year through Priority Pass, golf games and lessons, a concierge, and a BookMyShow ticket worth up to Rs. 500 every six months.
That 1.5% markup is the lowest on any lifetime free card in our catalogue — the next best free card charges nothing at all in one case and 1.8% in another, and everything else is at 3.5%. For a card that costs nothing to keep, it is a strong reason to hold one purely for travel.
The Magnificent Reward Program runs in four slabs of annual spending. Up to Rs. 1,00,000 earns 1X, from Rs. 1,00,001 to Rs. 2,50,000 earns 2X, from Rs. 2,50,001 to Rs. 5,00,000 earns 4X, and above Rs. 5,00,000 earns 6X — up to 6 accelerated Reward Points per Rs. 100.
At the published Rs. 0.40 a point in cash credit that is 0.4% at the bottom and 2.4% at the top. Converted to air miles at 1.2 miles a point the top slab is worth more again. The slab resets each year, so the card rewards a household that puts everything on it and gives very little to one used occasionally.
The Tiger is issued by IndusInd Bank as a co-brand with Tiger Fintech Private Limited, a Bajaj Capital group company. The co-brand decides the rewards and the movie benefit; IndusInd decides everything else.
So the card carries IndusInd's own terms: interest at 3.83% a month, which the bank states as 46% a year and may change at its discretion, and late payment charges running from nil below Rs. 100 of outstanding to Rs. 700 above Rs. 10,000. A free card with a 46% interest rate is still a card to pay in full every month.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
IndusInd Bank Tiger Credit Card — 6% on everything else. No annual fee.