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Credit CardsComparisons

AU Bank NOMO Credit Card vs IndusInd Bank Tiger Credit Card

A head-to-head comparison of AU Bank NOMO Credit Card and IndusInd Bank Tiger Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

Lifetime FreeCard A

AU Bank NOMO Credit Card

Credit Builders & First-Time Applicants

Annual Fee
₹199
Reward Rate
2 RP per ₹100 (~0.5% effective at ₹0.25/point)
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Lifetime FreeCard B

IndusInd Bank Tiger Credit Card

Lifetime-Free Travel & Lounge

Annual Fee
Lifetime Free
Reward Rate
Up to 6X tiered (~2.4% effective)
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Feature comparison

FeatureAU BankIndusInd Bank
Annual Fee₹199 joining fee only; Lifetime Free from year 2 (backed by Fixed Deposit of ₹10,000+)Lifetime Free
Reward Rate2 RP per ₹100 (~0.5% effective at ₹0.25/point)Up to 6X tiered (~2.4% effective)
Best ForCredit Builders & First-Time ApplicantsLifetime-Free Travel & Lounge
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankIndusInd Bank
Domestic travel
International travel
Everyday spending
Airport lounge access
Zero forex markup
Fuel surcharge waiver

Quick verdict

Choose AU Bank NOMO Credit Card if:

  • You spend heavily on zero forex markup
  • This is your first credit card

Choose IndusInd Bank Tiger Credit Card if:

  • Lower annual fee (₹Nil vs ₹199)
  • You spend heavily on international travel
  • You spend heavily on domestic travel
  • You spend heavily on fuel surcharge waiver

Full pros & cons

AU Bank NOMO Credit Card

What's good
  • FD-backed — no credit history or income proof required; near-guaranteed approval
  • 0.99% forex markup on international transactions — best-in-class for a secured/starter card
  • 2 domestic lounge visits/quarter + 2 railway lounge visits/quarter
  • Builds CIBIL score over time — ideal first step toward premium cards
  • 500 welcome RP + quarterly milestones (500 RP at ₹25K, +500 RP at ₹50K spend)
Watch out for
  • Requires locking ₹10,000+ in a fixed deposit with AU Bank — opportunity cost
  • Very low earn rate (0.5% effective) — purely a credit-building, not a rewards card
  • Domestic lounge access requires ₹50,000 spend in the previous quarter (raised from ₹20K in April 2026)
  • Zero rewards on fuel, rent, EMI, education, government, and BBPS payments
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IndusInd Bank Tiger Credit Card

What's good
  • Truly lifetime free — no annual or joining fee
  • 2 international lounge visits/year via Priority Pass + 2 domestic visits/quarter
  • Low 1.5% forex markup (vs the standard 3.5%) for occasional foreign spends
  • 1 free movie ticket every 6 months on BookMyShow + 1 golf game per quarter
Watch out for
  • Minimum income criteria — ₹6L p.a. salaried / ₹8L self-employed; 750+ credit score expected
  • Reward rate is tiered: only 1 RP per ₹100 (0.4%) on first ₹1L annual spend — the 6X rate unlocks after ₹5L
  • 1.5% forex still beats standard cards but lags zero-forex options like IDFC Wow or Scapia
  • Reward Point value is ₹0.40 each — middling redemption value vs cashback cards
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