Fees
Annual feeNil (Lifetime Free)
Joining feeNil
Renewal feeNil (Lifetime Free)
Fee waiverLifetime Free - no annual fee applicable
Spend waiverLifetime Free
Interest rate3.50% per month (42% per annum (p.a.))
Late paymentUp to INR 100-INR 1,300 (based on outstanding balance; waived for Pioneer Heritage, Pioneer Private, Indus Solitaire)
Forex markup1.50%
Cash advance2.5% of advance amount, min INR 300
Eligibility
Min income (salaried)INR 35,000 - INR 50,000
Min income (self-emp.)INR 4 - INR 6 lakh/year
Credit score700 - 750 (CIBIL score)
Age range18 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - accelerated on partner merchant categories
Redemption optionsAir India Flying Returns (1:1 transfer ratio — 1 Tiger Reward Point = 1 Air India Flying Returns mile; added June 2026). Statement Credit, Gift Vouchers, Merchandise, Bank's online redemption store.
Points expiryNo Expiry
Travel & lounge
Domestic lounge0 visits (Priority Pass: complimentary visits as per plan)
International loungePriority Pass - complimentary visits as per plan
Lounge conditionsNo
Insurance coverageYes - basic travel insurance
Hotel/flight offers0% - 5%
ConciergeNo
Forex waiver1.50%
Lifestyle
Dining discountsNo
Fuel surchargeYes - 1% waiver
OTT subscriptionsNo
E-commerce offersYes - via IndusInd Bank offers portal (Amazon, Flipkart, etc.)
AdditionalAir India Flying Returns transfer partner at 1:1 ratio (announced June 2026). Transfers processed via IndusInd rewards portal. No minimum transfer threshold. Air India miles redeemable for flights, upgrades, partner programs. 8 domestic lounge visits/year (no spend condition). Movie discounts. Quarterly golf.
Credit limit & EMI
Default limitINR 25,000 - INR 75,000
Max limitINR 75,000 - INR 1.5 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rateAs per bank's prevailing BT offer (typically 0%-1% per month for promo period)
Insurance & protection
Purchase protectionYes - via Total Protect feature
Lost card liabilityYes - Zero liability if reported within 3 working days
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, Set/Modify Limits, View Statements & Due Dates, Convert to Equated Monthly Instalment (EMI), Rewards Tracking & Redemption, Autopay Setup, Download Credit Card Statement, Raise Service Requests, Block Lost/Stolen Card
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Enable/Disable Contactless (Near-Field Communication (NFC)), Automated Teller Machine (ATM) Withdrawal Toggle, Set Transaction Limits, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, AI-Based Risk Monitoring, Tokenization (RBI Mandated), OTP for Online Transactions, Zero Liability Guarantee, Instant Card Block Option
Zero liabilityZero liability if fraud reported within 3 working days; limited if within 4-7 days
WhatsApp supportYes