The IndusInd Bank Tiger Credit Card is a good option for individuals looking for a lifetime free credit card that offers premium benefits without any joining or renewal fees. Unlike many high end cards that come with hefty annual charges, this card allows users to enjoy a range of perks such as reward points, complimentary lounge access, and entertainment benefits at no extra cost. It is also accessible to individuals with moderate income levels, making it an attractive choice for many.
IndusInd Bank Tiger Credit Card Benefits
One of the standout features of this credit card is its accelerated reward points program. The more you spend, the higher the reward rate you earn. For annual spending up to ₹1,00,000, you earn 1X reward points per ₹100 spent. As your annual spending increases, so do your rewards going up to 6X reward points for spending beyond ₹5,00,000 per year. These points can be redeemed for various benefits, including cash credit (₹0.40 per point), airline miles conversion, and shopping vouchers.
Travel and Lifestyle Benefits
Frequent travelers will find this card highly beneficial due to its complimentary domestic and international lounge access. Cardholders can avail of two free visits to domestic airport lounges every quarter and two international lounge visits per year through the Priority Pass program. Additionally, the low foreign currency markup fee of just 1.5% makes international spending more affordable compared to standard credit cards.
Entertainment lovers are also well taken care of, as the IndusInd Tiger Credit Card offers complimentary BookMyShow movie tickets worth up to ₹500 every six months. For golf enthusiasts, there’s an added advantage of one free golf game or lesson every quarter, making this card ideal for those who enjoy premium leisure activities.
Additional Savings and Benefits
Beyond rewards and entertainment, the card also helps users save on everyday expenses. The fuel surcharge waiver of 1% on transactions between ₹400 and ₹4,000 ensures additional savings. With such a well-rounded benefits package, this card delivers significant value at zero cost.
Fees and Charges
Although the card is free for a lifetime, users should be aware of certain applicable charges. The interest rate stands at up to 3.5% per month, depending on usage and payment history. Late payment fees can go up to ₹1,300, while over-limit charges are 2.5% of the exceeded amount with a minimum fee of ₹500.
Eligibility Criteria
To be eligible for the IndusInd Tiger Credit Card, applicants must meet specific eligibility criteria. Salaried individuals must be between 21 to 60 years old, while self-employed applicants can apply up to the age of 65 years. The minimum annual income requirement is ₹6 lakh, and a credit score of 750 plus significantly increases the chances of approval. Applicants must also be Indian residents.
IndusInd Bank Tiger Credit Card Review
Overall, the IndusInd Bank Tiger Credit Card is a perfect choice for individuals seeking a premium experience without the burden of annual fees. It is especially suitable for moderate to high spenders, frequent travelers, entertainment lovers, and even first-time credit card users looking to build their credit history. With its combination of rewards, lifestyle perks, and zero fees, this card offers exceptional value for money. If you’re looking for a hassle-free credit card with top-tier benefits, this could be the perfect option for you.
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