IndusInd Bank Legend Credit Card
Verified · August 27, 2026
5.0/5.0
Updated on August 27, 2026
🎖️Reward Rate
Base Rewards: 1 Reward Point per ₹100 (1 Reward Point per ₹100 spent on weekday transactions)
Overview
IndusInd Bank Legend Credit Card by IndusInd Bank provides premium value tailored for Super Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 1 Reward Point per ₹100 (1 Reward Point per ₹100 spent on weekday transactions)
- • 2 Reward Points per ₹100 (2 Reward Points per ₹100 spent on weekend transactions (2X Multiplier))
- • Accelerated Rewards: Earn 2 Reward Points per ₹100 on all Saturday and Sunday retail expenditures
- • Excluded Categories: Fuel transactions
- • Wallet reloads
- • Cash advances
- • Rental payments
Welcome Benefit
Welcome luxury brand gift vouchers worth up to ₹5,000 from premier brands including Luxe Gift Card, Montblanc, The Postcard Hotel, Amazon, and Oberoi Hotels.; Qualification Criteria: Pay joining fee (if applicable) or complete first retail spend within 30 days; Fulfillment Timeline: Voucher codes dispatched via SMS/Email within 45 days of card activation
Milestone Benefit
Spend ₹6 Lakhs (Annual): 4,000 bonus Reward Points upon spending ₹6 Lakhs or more in a calendar year; Annual Fee Waiver: Lifetime Free Card (Zero Annual & Renewal Fees)
Redemption
- • Direct statement cashback at 1 Reward Point = ₹0.75 cash credit
- • Airline miles transfer (InterMiles, Vistara/Air India) at 1 RP = 1 Mile
- • Curated IndusMoments catalog for luxury lifestyle products and gift vouchers
Benefits
- Domestic Airport Lounge: 4 per year (1 visit per calendar quarter) via Mastercard / Visa Lounge Access Program [Criteria: Spend ₹35,000 in previous quarter]
- International Airport Lounge: Complimentary Priority Pass membership Usage chargeable at standard guest rates via Priority Pass
- Fuel Surcharge Waiver: 1% (Max waiver ₹250 per statement cycle) on fuel transactions between ₹400 and ₹4000
- BookMyShow Buy 1 Get 1 Free Movie Tickets: Buy 1 movie ticket and get 1 free up to ₹200 per ticket, valid for up to 3 complimentary tickets per month on BookMyShow (Savings up to ₹7,200/year). (Up to 3 free tickets per month
- Maximum discount ₹200 per ticket) [Partners: BookMyShow]
- Complimentary Golf Games & Coaching: Enjoy 1 complimentary golf game and 1 complimentary golf coaching session every quarter at top golf clubs across India. (1 game + 1 coaching session per quarter
- Booking via IndusInd Concierge Desk) [Partners: Apex Golf, Global Golf Network]
- 24x7 Dedicated Auto Assist & Concierge: Round-the-clock emergency roadside assistance including emergency fuel supply, flat tyre repair, lost key assistance, and worldwide concierge support. (On-road breakdown assistance in major cities
- Global flight/hotel/table booking concierge) [Partners: IndusInd Assist Desk]
- Comprehensive Air Accident & Travel Cover: Complimentary personal air accident insurance cover up to ₹25 Lakhs and lost card liability protection equal to the sanctioned credit limit. (Air Accident Insurance: ₹25 Lakhs
- Zero Lost Card Liability upon reporting) [Partners: ICICI Lombard, IndusInd Bank Card Protection]
Things to Know Before you apply
IndusInd Bank Legend Credit Card Eligibility Criteria
- Age: 21–65 years
- Net monthly salary > ₹1,50,000 for salaried; Annual ITR > ₹18,00,000 for self-employed
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% of withdrawn amount (Min ₹300) |
Fee waiver: Lifetime Free Card (Zero Annual & Renewal Fees)
PaisaSimple Review
Overall Rating
5.0/5What do we like about this card?
IndusInd Bank Legend Credit Card issued by IndusInd Bank is one of India's leading credit cards for Super Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 1 Reward Point per ₹100 (1 Reward Point per ₹100 spent on weekday transactions)
- • 2 Reward Points per ₹100 (2 Reward Points per ₹100 spent on weekend transactions (2X Multiplier))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
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Fee Details
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
₹7,000
Annual/Renewal Fee
₹7,000
Joining Fee
₹499
Annual/Renewal Fee
₹499
Welcome Benefit
- • Welcome luxury brand gift vouchers worth up to ₹5,000 from premier brands including Luxe Gift Card, Montblanc, The Postcard Hotel, Amazon, and Oberoi Hotels.
- • Qualification Criteria: Pay joining fee (if applicable) or complete first retail spend within 30 days
- • Fulfillment Timeline: Voucher codes dispatched via SMS/Email within 45 days of card activation
- • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
- • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance
Reward/Cashback Rate
- • Base Rewards: 1 Reward Point per ₹100 (1 Reward Point per ₹100 spent on weekday transactions)
- • 2 Reward Points per ₹100 (2 Reward Points per ₹100 spent on weekend transactions (2X Multiplier))
- • Accelerated Rewards: Earn 2 Reward Points per ₹100 on all Saturday and Sunday retail expenditures
- • Excluded Categories: Fuel transactions
- • Wallet reloads
- • Cash advances
- • Rental payments
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
- • 24 Reward Points per ₹150 on fuel purchases at HPCL retail outlets, LPG purchases and via HP Pay App (up to 5% savings)
- • 10 Reward Points per ₹150 on utility & departmental store spends (up to 2% savings)
- • 2 Reward Points per ₹150 on all other categories
- • Accelerated points and fuel surcharge waiver apply only at eligible HPCL fuel outlets
Pros
- • Base Rewards: 1 Reward Point per ₹100 (1 Reward Point per ₹100 spent on weekday transactions)
- • 2 Reward Points per ₹100 (2 Reward Points per ₹100 spent on weekend transactions (2X Multiplier))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Up to 5% savings on HPCL fuel, LPG and HP Pay App transactions
- • Low ₹499 joining and annual fee
- • 4 complimentary domestic lounge visits per year
- • Annual fee waiver on ₹50,000 spend
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Accelerated rewards and surcharge waiver limited to eligible HPCL outlets
- • Age eligibility differs by employment type (21–60 salaried, 24–65 self-employed)
- • No specific minimum income figure disclosed