Airport lounge access has become an important feature for frequent travellers when choosing a credit card. The IndusInd Tiger and PNB Zaggle credit cards stand out with 10 complimentary airport lounge visits annually, comprising 8 domestic and 2 international visits. However, the cards differ in their fees, reward structures and additional travel and lifestyle benefits, making the comparison more than just about lounge access.
1. 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:
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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 this card, visit the Official Website
2. PNB Zaggle Credit Card
- Joining Fee: ₹499 + applicable taxes
- Annual Fee: ₹499 + applicable taxes
- Annual Fee Waiver: Waived on annual spends of ₹1.50 lakh
- Card Network: RuPay Select + Visa Platinum
- Credit Limit: Single sanctioned credit limit for both cards
Reward Benefits:
- Earn 10 Reward Points on every ₹300 spent and multiples thereof
- PNB values 10 Reward Points at ₹2.50
- Rewards are applicable on eligible retail transactions as per the card’s terms and conditions
Domestic & International Lounge Benefits:
- Get 8 complimentary domestic airport lounge visits every year (2 per quarter)
- Get 2 complimentary international airport lounge visits every year
- Lounge access is available through the RuPay Select programme
Railway Lounge Benefits:
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Get 2 complimentary railway lounge visits available once per quarter through the Visa Platinum variant
Lifestyle & Entertainment Benefits:
- Get a 3-month Cult Fit Live subscription once every year.
- Enjoy a 3-month Swiggy One membership once every year.
- Receive a Prime/JioHotstar welcome benefit once per year.
- Get Buy 1 Get 1 movie tickets on BookMyShow worth up to ₹250 once every quarter.
- Receive a ₹250 Flipkart voucher under the applicable offer.
- Get a ₹250 Myntra voucher on eligible purchases.
- Enjoy a ₹100 Ola/Uber voucher as part of the lifestyle benefits.
- Get a ₹1,500 MakeMyTrip voucher on eligible bookings.
Travel & Shopping Benefits:
- Up to 15% discount on ixigo flight and hotel bookings (maximum ₹1,200 per month; minimum transaction ₹5,000)
- Visa activation voucher worth up to ₹250 on the first eligible ₹300+ transaction
- GRT Jewellers offer: ₹250 off on silver jewellery and up to ₹1,500 discount on eligible gold jewellery purchases
Personal Accident Insurance:
- Personal accident insurance cover of up to ₹10 lakh, subject to the applicable terms and conditions.
To apply for this card, visit the Official Website
Illustrative Annual Value at ₹12,500 Monthly Spend
| Particulars | IndusInd Tiger | PNB Zaggle |
| Monthly spend | ₹12,500 | ₹12,500 |
| Annual spend | ₹1,50,000 | ₹1,50,000 |
| Reward points earned | 2,000 RP | ₹5,000 RP |
| Cash redemption value | ₹800 | ₹1,250 |
| Annual fee | ₹0 | ₹499 + GST |
| Fee waiver achieved | Not required | Yes |
| Domestic airport lounges | 8/year | 8/year |
| International airport lounges | 2/year | 2/year |
| Railway lounges | — | 8/year |
| Golf benefit | 4 sessions/year | — |
| Movie benefit | 2 tickets (up to ₹500 each) | 4 BOGO tickets (up to ₹250 each) |
Note: At ₹1.5 lakh annual spends, IndusInd Tiger earns 2,000 reward points because the first ₹1 lakh earns 1 RP/₹100 and the next ₹50,000 earns 2 RP/₹100, giving a cash value of ₹800. PNB Zaggle earns 5,000 reward points, worth ₹1,250, and also qualifies for its annual fee waiver.
Also Read: UNI GoldX Credit Card vs PNB Zaggle: DigiGold Rewards or 10 Complimentary Airport Lounge Visits – Which Card Should You Choose?
Which Credit Card Is Better for Different Users?
The IndusInd Tiger Credit Card could be a better fit if you want a lifetime free travel card with golf privileges, concierge services and a lower 1.5% forex markup, without worrying about annual fee conditions. Meanwhile, the PNB Zaggle Credit Card may suit users who can spend around ₹12,500 per month (about ₹1.5 lakh annually) to qualify for the annual fee waiver, while also benefiting from railway lounge access, OTT memberships, shopping vouchers and travel discounts on platforms like ixigo and MakeMyTrip.