IndusInd Bank Legend Credit Card
Updated 5 Jul 2026Source-linked
The IndusInd Bank Legend Credit Card is a premium credit card from IndusInd Bank, with a joining fee of ₹0 + GST.
It earns up to 2 pts per ₹100 (≈1.5% value) on weekend spend spends in the form of reward points (points).
IndusInd Bank Legend Credit Card
- Joining FeeFree
- Annual FeeFree
- Best Suited ForLifestyle & travel
- Reward TypeReward Points (points)
Rewards Rate
- 2 pts per ₹100 on weekend spend
- Base 0.75% on other spends
Welcome Benefits
- Not applicable
Data verified 5 Jul 2026 — see our methodology
IndusIndsignaturepremiumLifetime freeRewards and Benefits
Rewards Rate
2 pts per ₹100 on weekend spend
Base 0.75% on other spends.
Reward Redemption
Multiple (transfer partners): 2 transfer partners; ratios are card-point : partner-unit. realized Rs 0.75 = guaranteed non-transfer floor; best documented transfer Rs 0.28. 0 partners beat the floor. Full per-partner values below.
Welcome Benefits
N/A
Milestone Rewards
- ₹5,00,000 / annual: 3,000 bonus reward points on ₹5,00,000 annual spend
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
Travel insurance cover bundled (see Insurance section).
Movie & Dining
N/A
Golf
1 round(s) / monthly · 1 lesson(s).
Insurance Benefits
- air accident: ₹2,50,00,000
- travel medical: ₹25,00,000
Other Benefits
N/A
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.8% = ₹113/mo
- Groceries₹8,000 · 0.8% = ₹60/mo
- Dining & food delivery₹8,000 · 0.8% = ₹60/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.8% = ₹75/mo
- Utilities & bills₹5,000 · 0.8% = ₹38/mo
Est.net rewards for this spend, realistic
₹4,140/yr₹4,140 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.80%
Interest Rates
3.83% per month (46.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
Product Details
- premium card issued by IndusInd Bank.
- Lifetime free — no joining or annual fee.
- Available on the Visa network.
- Insurance cover bundled: air accident, travel medical.
Pros & Cons
Pros
- Lifetime-free — no joining or annual fee.
- Low forex markup of 1.80% — suited to international spends.
- 24/7 concierge service.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
- No rewards on fuel spends.
- No complimentary airport lounge access.
Accelerated rewards
- 2 pts per ₹100 on weekend spend2x points on weekend spends (Sat, Sun).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Milestone benefits
- ₹5,00,000 / annual: 3,000 bonus reward points on ₹5,00,000 annual spend (≈ ₹750 value)
Insurance benefits
- air accident: ₹2,50,00,000
- travel medical: ₹25,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000.
Sources
- : www.indusind.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 750+
- Income (salaried)
- ₹6,00,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.