The IndusInd Bank Legend Credit Card is a rewards and travel-focused card currently offered with a lifetime annual fee waiver. This basic card provides a competitive rewards structure, earning cardholders up to 1 reward point for every ₹100 spent. These points are redeemable for statement credits, air miles, merchandise, gift vouchers, and other options. The card offers accelerated rewards on weekend spending and a favorable redemption rate when transferring points to air miles.
Further enhancing its value proposition, the card includes a complimentary Priority Pass membership, providing access to airport lounges. Cardholders also receive a complimentary domestic airport lounge visit each quarter. An annual milestone spend triggers a substantial bonus of 4,000 reward points.
Overall, the IndusInd Legend Credit Card presents a compelling option for individuals seeking a no-fee credit card with a robust rewards program and travel benefits. A detailed review provides further insights into the card’s features and benefits.
IndusInd Legend Credit Card Features & Benefits
Movie & Dining Benefits
- With the IndusInd Legend Credit Card, you can get a buy-one-get-one offer on movie tickets when you book them on BookMyShow.
- Up to 1 free ticket per month is available with Book My Show.
- The price of the free ticket is capped at ₹200.
- With Book My Show for booking your movie ticket, you get an additional ₹50 off if you choose the Food and Beverages option.
Free Domestic Lounge Access
Enjoy one complimentary domestic lounge visit quarterly (four each year).
Milestone Benefit
You can earn 4,000 bonus Reward Points on achieving a spend of ₹6 lakhs or more within one year from the card issuance date. Both primary and add-on spends are eligible for this offer. The bonus point will be credited within 45 days of one year’s completion.
Fuel Surcharge Waiver
Get a 1% fuel surcharge waiver on every fuel transaction at all authorized fuel stations in India.
IndusInd Bank Legend Credit Card: Fees & Charges
Following are the charges associated with the usage of this credit card:
| Category | Amount |
| Joining Fee | Rs. 5,000 (Nil, if applied through Paisabazaar) |
| Annual Fee | Nil |
| Finance Charges | 3.95% p.m. | 47.40% p.a. |
| Late Payment Fee | For Statement Balance:Up to Rs. 100 – Nil Between Rs. 101 and Rs. 500 – Rs. 100Between Rs. 501 and Rs. 1,000 – Rs. 350 Between Rs. 1,001 and Rs. 10,000 – Rs. 550Between Rs. 10,001 and Rs. 25,000 – Rs. 800Between Rs. 25,001 and Rs. 50,000 – Rs. 1,100Above Rs. 50,000 – Rs. 1,300 |
IndusInd Legend Credit Card Reward Points
- 2 reward points for every Rs. 100 spent on weekends
- 1 reward point for every Rs. 100 spent on weekdays
- 1 reward point on every Rs. 100 spent on weekdays and weekends on medical, automobiles & telecom transactions
- 0.70 reward points on every Rs. 100 spent on weekdays & weekends on utility bill payments, insurance premium payments, government services/charges/payments, education institute fees and rental payments
Note: Fuel spends will not accrue any reward points.
Apart from these reward points, you can also earn 3,000 bonus reward points on spending Rs. 5 lakh in a year from the day of card issuance. However, effective December 15, 2024 spends on rental, utility, insurance, wallet transactions are not being considered for milestone spends threshold calculation.
Reward Redemption:
With IndusInd Legend Credit Card, the reward points earned can be redeemed in the following ways:
- Pay the outstanding amount on your card by converting Reward Points into Cash Credit. 1 Reward Point = ₹0.50 Cash Value. The IndusInd Legend Credit Card allows customers to redeem a maximum of 5,000 reward points for Cash Credit per statement cycle.
- Reward points can be redeemed at a rate of 100 Reward Points = 100 Intermiles; to convert them to Intermiles, you must have a minimum of 500 reward points.
- Reward points can be redeemed at a rate of 400 Reward Points = 100 Krisflyer Miles. To convert them to Krisflyer Miles, you must have a minimum of 500 reward points.
- You can also redeem your accrued reward points at the IndusMoments portal by purchasing various products, gift vouchers, etc.
To be eligible for IndusInd Bank Legend Credit Card, the applicant must meet the following requirements:
| Criteria | Details |
| Occupation | Salaried or Self-employed |
| Age | 21-60 years |
| Minimum Income Required | Rs. 20,000 per month |
| Documents Required | the list of acceptable documents |
| Serviceable Cities | the list of eligible cities |
Insurance & Concierge Benefits
Travel Insurance: The card offers personal air accident insurance cover of Rs. 25 lakh.
Total Protect: With ‘Total Protect’, you are allowed for a sum of up to the credit limit on your card for unauthorized transactions in case of loss/ theft, even 48 hours before you report to IndusInd Bank.
Concierge Services: With this card you get to avail extensive concierge service inclusive of pre-trip assistance, hotel reservation, flight tickets, sports and entertainment booking, and exclusive bookings for special events, like workshops or seminars. You can also seek assistance for flower and gift delivery anywhere in the world.
The Legend Credit card also offers ‘Auto Assist’ facility, wherein you can seek help in case of emergencies. Assistance is offered for roadside repair, emergency fuel supply, flat tyre service, lost keys, battery service and emergency towing service.
Other Benefits
Apart from the above-mentioned benefits, you can also avail free movie tickets, Priority Pass membership and much more. Below mentioned are the details regarding the same:
Buy 1 Get 1 Movie Ticket Free: Buy one get one movie ticket free on bookings via BookMyShow. You can avail 1 free ticket of up to Rs. 200 off in a month and Rs. 50 off on food and beverages.
Priority Pass Program*: Complimentary Priority Pass Program for primary and add-on cardholders, giving access to 600+ lounges worldwide.
Domestic Lounge Access: 1 complimentary domestic airport lounge access every quarter.
Note: Lounge access feature on the card will be discontinued w.e.f March 7, 2025.
Forex Markup Fee: The Legend credit card charges a low forex markup fee of 1.8% on your foreign currency transactions.
Fuel Surcharge Waiver: 1% fuel surcharge waiver, up to Rs. 100 per month, on fuel spends of Rs. 500 to Rs. 3,000 at petrol pumps across India.
Auto Assist Services: Assistance for roadside repairs, battery service, lost keys, emergency towing services and fuel refill, accident management and medical help, etc.
Should you apply for IndusInd Bank Legend Credit Card?
IndusInd Bank Legend Credit Card is a super-premium credit card that offers reward points on every purchase you make. Additionally, it also provides exclusive Priority Pass Membership and domestic lounge visits every year. With decent reward rate and spend-based bonus, this is a good choice for people who are looking for a premium credit card but don’t want to pay a high annual fee every year. However, the only drawback of this credit card is you can earn the maximum rewards rate only on weekends. So, this is a good option if you make most of your purchases via credit card on weekends.