Synopsis: IndusInd Bank offers multiple lifetime-free credit cards with different rewards, travel benefits and lifestyle privileges. This article compares the Tiger, Legend and Platinum Visa Credit Cards based on their features, rewards and overall value.
A lifetime-free credit card can be a valuable financial tool when its rewards and benefits match your spending pattern. From earning reward points on daily purchases to enjoying airport lounge access and travel benefits, the right card can help maximise your savings. IndusInd Bank’s Tiger, Legend and Platinum Visa Credit Cards are designed for different types of users, ranging from frequent travellers to everyday spenders.
1. IndusInd Tiger Credit Card
- Fees: Joining Fee / Annual Fee: ₹0 (Lifetime Free)
- Reward Points:
- Earn up to 6 Reward Points per ₹100 spent based on annual spending slabs:
- Up to ₹1 lakh annual spends: 1 Reward Point per ₹100
- ₹1 lakh–₹2.5 lakh annual spends: 2 Reward Points per ₹100
- ₹2.5 lakh–₹5 lakh annual spends: 4 Reward Points per ₹100
- Above ₹5 lakh annual spends: 6 Reward Points per ₹100
- Reward Redemption Value: 1 Reward Point = ₹0.40 for cash redemption
- Reward Points can be redeemed through IndusMoments for Cash credit, Travel bookings, Gift vouchers, and Other redemption options
- Airport Lounge Access:
- Domestic Airport Lounge Access: Get 2 complimentary domestic lounge visits per quarter (8 visits annually).
- International Airport Lounge Access: Get 2 complimentary international lounge visits annually through Priority Pass membership.
- Golf Benefits:
- Get 1 complimentary golf game or lesson every quarter (4 complimentary golf sessions annually).
- Other Benefits:
- Movie Benefits: Get 1 complimentary BookMyShow movie ticket every 6 months (maximum value of ₹500 per ticket).
- Fuel Benefits: Get a 1% fuel surcharge waiver on eligible fuel transactions between ₹400 and ₹4,000.
- Forex Benefits: Enjoy a 1.5% forex markup fee on international transactions.
- Concierge Services: Get assistance with travel bookings, dining reservations, event bookings and other lifestyle-related requirements.
- Insurance Protection: Protection against fraudulent transactions, lost or stolen card misuse and counterfeit card fraud.
- Travel Assistance: Get support with travel information, destination guidance, transportation details and other travel-related requirements.
To apply for the card, please visit the Official Website
2. IndusInd Legend Credit Card
- Fees: Joining Fee / Annual Fee: ₹0 (Lifetime Free)
- Reward Points:
- Earn 1 Reward Point per ₹100 spent on weekdays (Monday to Friday).
- Earn 2 Reward Points per ₹100 spent on weekends (Saturday & Sunday).
- Earn 3,000 Bonus Reward Points on annual spends of ₹5 lakh or more within one year from card issuance.
- Reward Redemption Value: 1 Reward Point = ₹0.50 as Cash Credit through IndusMoments.
- Reward Points can be redeemed through IndusMoments for Cash Credit, Airline Miles (eligible partners), Gift Vouchers, Shopping, Travel and Pay with Rewards.
- Reward Points do not expire as long as the card remains active.
- Other Benefits:
- Fuel Benefits: Get a 1% fuel surcharge waiver on eligible fuel transactions.
- Forex Benefits: Enjoy a 1.8% forex markup fee on international transactions
- Get a Buy One Get One Free movie ticket offer on BookMyShow (up to ₹200 discount on the free ticket), along with ₹50 off on F&B add-ons.
- Travel Offers: Get exclusive travel benefits through MakeMyTrip, including:
- Complimentary domestic flight seat selection (up to ₹350).
- Flat 15% discount on select domestic hotel bookings as MyCash.
- Partner Offers: Access exclusive discounts and offers across various partner brands through IndusInd Bank’s offers platform.
- Contactless Payments: Enjoy quick and secure tap-and-pay transactions with contactless payment technology.
To apply for the card, please visit the Official Website
3. IndusInd Platinum Visa Credit Card
- Fees: Joining Fee / Annual Fee: ₹0 (Lifetime Free)
- Reward Points:
- Earn 1.5 Reward Points for every ₹150 spent using the card.
- Reward Points can be redeemed for Cash credit, Airline Miles (KrisFlyer), Gift vouchers, Shopping, Travel, Pay with Rewards, and Other redemption options through IndusMoments
- Reward Redemption Value: 1 Reward Point = ₹0.40 for cash redemption and ₹0.60 for non-cash redemption (excluding air miles).
- Note: Fuel transactions do not earn Reward Points.
- Other Benefits:
- Fuel Benefits: Get a 1% fuel surcharge waiver at fuel stations across India.
- Lifestyle Benefits: Access exclusive offers on shopping, dining and travel through partner brands.
- Partner Offers: Enjoy discounts and vouchers from brands such as Amazon, Flipkart, Uber, Ola, Apollo Pharmacy, Zee5 and more.
- Luxury Brand Offers: Get access to exclusive offers from premium brands like Montblanc (applicable on select fee plans).
- Hotel Offers: Enjoy exclusive privileges at The Postcard Hotels (applicable on select fee plans).
- Contactless Payments: Make fast and secure tap-and-pay transactions using the contactless card feature.
- Insurance Benefits: Get a Personal Air Accident Insurance Cover of up to ₹25 lakh along with protection against unauthorized transactions due to card loss/theft and counterfeit card fraud.
To apply for the card, please visit the Official Website
Illustrative Value Comparison: IndusInd Credit Cards at ₹20,000 Monthly Spend
Note: This is an illustrative calculation assuming ₹20,000 monthly eligible spending and ₹1,000 monthly fuel transactions. Tiger Card rewards are calculated based on annual spending slabs, while Legend Card rewards assume 80% weekday and 20% weekend spending. Actual rewards may vary based on spending patterns, transaction categories, exclusions and bank guidelines. Premium benefits such as lounge access, golf privileges, movie offers and travel benefits are excluded from this direct savings calculation.
Which IndusInd Lifetime-Free Credit Card Should You Choose?
Among the three lifetime-free IndusInd credit cards, the best choice depends on the user’s spending habits and preferred benefits.
- The IndusInd Tiger Credit Card is best suited for frequent travellers and premium users who can utilise lounge, golf and accelerated reward benefits
- The Legend Credit Card offers stronger everyday value for users who spend regularly across weekdays and weekends
- The Platinum Visa Credit Card is a better choice for beginners seeking a simple lifetime-free credit card with everyday benefits.
