IndusInd Tiger vs Union Bank Unicorn Credit Card: Rewards, Lounge Access and Lifestyle Benefits Compared
Credit cards offer a range of benefits, from reward points and shopping vouchers to airport lounge access, travel discounts and lifestyle perks. However, annual fees, spending requirements and reward redemption values can influence the overall value of these benefits. The IndusInd Tiger Credit Card offers lifetime free benefits with travel and golf benefits, while the Union Bank Unicorn Credit Card comes with a ₹2,400 annual fee and additional shopping, dining, and entertainment offers.
IndusInd Tiger Credit Card
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
Union Bank Unicorn Credit Card
Joining Fee/Annual Fee: ₹2,400
Joining Fee Waiver: Spend ₹1 lakh within 90 days of card activation.
Annual Fee Waiver: Spend ₹3 lakh during the preceding financial year.
Reward Points
Base Rewards: Earn 4 reward points per ₹100 spent on eligible transactions.
Birthday Month: Earn 5X reward points during the birthday month.
Monthly Milestone: Earn 5X reward points on monthly spending of ₹20,000 or more.
Activation Benefit: Earn 4,000 additional reward points on spending at least ₹10,000 within 30 days of activation.
Reward Point Cap: Base reward points are capped at 10,000 per month, excluding milestone rewards. Annual milestone reward points are capped at 10,000.
Annual Milestone Rewards
Spend ₹1 lakh: 2,000 additional reward points
Spend ₹2 lakh: 2,000 additional reward points.
Spend ₹3 lakh: 2,000 additional reward points.
Spend ₹4 lakh: 2,000 additional reward points.
Spend ₹5 lakh: 2,000 additional reward points.
Airport Lounge Access
Domestic Airport Lounge Access: 8 complimentary visits annually through Priority Pass, subject to applicable terms.
International Airport Lounge Access: 2 complimentary visits annually through Priority Pass.
Other Benefits
Shopping Benefits: Get a ₹250 Myntra coupon per quarter, a ₹250 BigBasket voucher per quarter and a ₹500 Nykaa voucher per quarter.
Movie Benefits: Get a flat ₹250 discount on BookMyShow movie-ticket purchases per month, subject to terms.
Food and Dining: Get a complimentary three-month Swiggy One membership.
OTT Benefits: Get a 12-month subscription offer covering Amazon Prime, Disney+ Hotstar, SonyLIV or ZEE5, subject to the applicable offer terms.
Travel Benefits: Get a 10% discount on MakeMyTrip flight bookings, capped at ₹1,500 annually.
Spa Benefits: Access an Aromas Spa experience once per quarter, subject to offer conditions.
Insurance Protection: Get ₹10 lakh personal accident insurance and permanent disability cover, subject to policy terms.
Concierge Services: Access overseas emergency cash assistance through the bank's concierge offering.
Also read: India’s First RuPay Credit Card with Family Lounge Access: Get 12 Free Lounge Visits and Up to 5% Rewards - Check Benefits and Eligibility
Illustrative Annual Value at ₹18,000 Monthly Spend
Particulars
IndusInd Tiger
Union Bank Unicorn
Monthly spend
₹18,000
₹18,000
Annual spend
₹2,16,000
₹2,16,000
Reward points earned
3,320 RP
8,640 RP
Annual milestone reward points
-
4,000 RP
Total reward points
3,320 RP
12,640 RP
Cash redemption value
₹1,328
₹3,160
Annual fee
₹0
₹2,400
Reward value after annual fee
₹1,328
₹760
Domestic airport lounges
8 visits/year
8 visits/year
International airport lounges
2 visits/year
2 visits/year
Entertainment
BuyMyShow (Up to ₹500 off every 6 months)
BookMyShow (Flat ₹250 off/month)
Premium Lifestyle
Golf Perks (4 complimentary sessions/year)
Spa Perks (1 Aromas experience/quarter)
Note: Calculations assume ₹18,000 monthly eligible spending. Tiger rewards are valued at ₹0.40 per point; Unicorn rewards at ₹0.25 per point. Unicorn's calculation includes base rewards and 4,000 milestone points but excludes bonus rewards. Its annual fee is not waived at ₹2.16 lakh spending. Actual rewards and benefits depend on the applicable card terms.
Is the IndusInd Tiger Credit Card Worth Considering?
The IndusInd Tiger Credit Card is a lifetime-free option offering eight domestic and two international lounge visits annually, golf sessions, movie benefits and a 1.5% forex markup. While the Union Bank Unicorn Credit Card offers shopping vouchers, OTT subscriptions and travel discounts, its ₹2,400 annual fee makes the fee waiver and spending conditions important. For users seeking travel and lifestyle benefits without an annual fee, the IndusInd Tiger Credit Card is worth considering.