IndusInd Bank Tiger Credit Card
IndusInd Bank • Visa
Co-branded fintech card with Tiger Fintech (Bajaj Capital Group) offering tiered reward multiplier up to 6X on annual spends, low 1.5% forex markup, and 2 domestic lounge visits per quarter
Underwriting & Income Cutoffs
warningAnniversary Spend Slabs - Low Yield Under ₹1 Lakh Spend
Accelerated reward multipliers (2X, 4X, 6X) apply only on incremental spends across annual slabs. For spending up to ₹1,00,000 in an anniversary year, the earn rate is strictly 1X (1 pt / ₹100 = 0.40% return).
Saalana ₹1 Lakh tak ke kharch par sirf 1X (0.40%) return milta hai. 6X multiplier sirf ₹5 Lakh se upar ke kharch par milta hai.
Source: INDUSIND BANK TIGER CREDIT CARD BENEFIT GUIDE Page 4 & Product Page
warningStrict Exclusion of Utilities, Insurance, Education & Rent
Accelerated multiplier rewards are completely excluded on utilities, fuel, insurance premiums, education institutes, government payments, and rental transactions.
Utilities, rent, school/college fees aur insurance par koi accelerated multiplier nahi milta, inpar zero points milte hain.
Source: IndusInd Bank Tiger Credit Card Benefit Guide T&C Clause 7
warning₹100 Plus GST Reward Redemption Fee
Redemption of Reward Points on IndusMoments or against brand vouchers attracts a redemption fee of ₹100 + GST per request.
Vouchers ya cash credit redeem karne par har baar ₹100 + GST ka redemption charge lagta hai.
Source: IndusInd Bank Tiger Credit Card MITC (Bajaj-Tiger-CC-MITC-new.pdf)
Calculate Your Real Annual Profit on IndusInd Bank Tiger Credit Card
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The Math Behind IndusInd Bank Tiger Credit Card
IndusInd Bank Tiger Credit Card (IndusInd Bank) un logon ke liye design kiya gaya hai jo SHOPPING categories me spend karke 0.4% tak ka value back chahte hain. Lekin ₹0 (+18% GST) ki annual fee ke sath, asli net profitability aapke merchant categories, waiver spend milestones aur hidden exclusions par depend karti hai.
• Partner Merchant Spends (0.4% return): Fee recover karne ke liye sirf ₹0 / mahina (₹0 / saal) spend zaroori hai.
• Regular Offline Spends (0.4% base return): Fee recover karne ke liye lagbhag ₹0 / mahina spend karna hoga. Isse kam spend karne par annual fee ki wajah se net return loss me chala jayega.
1. Merchant Tier Accelerators & Multipliers
Amazon, Flipkart, Myntra aur partner portals par spend karne par 5% se 10% tak ke accelerated reward multipliers milte hain. Par dhyan rahe ki yeh bonus rate sirf specific partner checkout par hi valid hota hai, normal offline retail swipes par standard 1% base rate hi milta hai.
2. Monthly Category Caps & Spending Ceilings
Sabhi accelerated shopping cards par monthly capping ya category spend ceiling hoti hai (jaise ₹1,000 se ₹1,500 maximum monthly cashback). Is limit ke cross hote hi earn rate drop hokar regular 1% ho jata hai, isliye festive sales me spend limit monitor karna zaroori hai.
3. Voucher Expiry vs Statement Credit Friction
Earn kiye gaye points ko direct statement credit me lene par bank ₹99 + 18% GST redemption fee charge kar sakta hai. Brand vouchers me redeem karne par 12-24 months ki expiry aur category lock-in ka dhyan rakhna zaroori hai taaki points expire na hon.
check_circleKise Lena Chahiye (Who Should Apply):
Agar aapka natural monthly kharcha SHOPPING merchants par hota hai aur aap saal me ₹0 ka spend aaram se cross kar lete hain.
cancelKise Bilkul Nahi Lena Chahiye (Who Should SKIP):
Agar aapka kharcha offline dukanon, petrol ya rent par zyada hota hai, ya online spend ₹0/mahine se kam hai, toh is card ko skip karein kyunki fee recover nahi hogi.
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Frequently Asked Questions
What is the annual fee of IndusInd Bank Tiger Credit Card and how can it be waived?expand_more
IndusInd Bank Tiger Credit Card ki joining aur annual renewal fee ₹0 + 18% GST (Total: ₹0.00) hai. Agar aap pichle saal me ₹1,00,000 ya usse zyada spend karte hain, toh renewal fee 100% reverse (waive) ho jati hai.
What is the minimum salary required for IndusInd Bank Tiger Credit Card?expand_more
Salaried applicants ke liye minimum net in-hand monthly salary ₹35,000 aur 750+ CIBIL score hona zaroori hai. Self-employed applicants ke liye ₹6.0 Lakhs+ annual ITR mandatory hai.
What are the ATM cash withdrawal and international forex charges?expand_more
ATM se cash withdraw karne par 2.5% (minimum ₹500) cash advance fee aur pehle din se finance charges lagte hain. International foreign currency spends par standard 3.5% forex markup + 18% GST deduct hota hai.
How does IndusInd Bank Tiger Credit Card reward point redemption work?expand_more
Earn kiye gaye points ko statement cash ya partner shopping vouchers me redeem kar sakte hain. Statement credit lene par 1 point lagbhag ₹0.25 ka hota hai aur bank ₹99 + 18% GST redemption fee charge karta hai.
• Data Authority: Audited against official bank Most Important Terms and Conditions (MITC) Schedule.
• Regulatory Reference: Reserve Bank of India (RBI) Credit & Debit Card Directions 2022/2024.
• Verification: Independent research conducted by EQUIS Intelligence Labs • Last verified: September 2026.