The IndusInd Bank Legend Credit Card is designed for those who enjoy rewards and travel benefits. It offers higher rewards on weekend spending and allows you to transfer points to airline miles at a 1:1 ratio, making it useful for frequent travelers. The card also comes with a low forex markup fee of 1.8%, complimentary movie tickets, dedicated concierge service, auto-assist, and insurance coverage, adding value for cardholders.
However, despite being marketed as a premium card, the reward earning rate is lower compared to other premium credit cards, which reduces its overall value even with the 1:1 redemption. Unlike other premium cards that let you transfer points to multiple airline programs, this card supports fewer airline partners. Lounge access has also been discontinued from 7 March 2025, which is a downside for a travel-focused card.
That said, the card still offers useful features for everyday and travel-related spending and comes with the advantage of being a lifetime free credit card, making it a reasonable addition to your wallet.
IndusInd Bank Legend Credit Card Rewards Program
Reward Structure:
Weekend spending: Earn 2 reward points for every ₹100 spent on Saturdays and Sundays.
Weekday spending: Earn 1 reward point for every ₹100 spent on Mondays to Fridays.
Medical, automobile & telecom spends: Earn 1 reward point for every ₹100 spent, any day of the week.
Utility, insurance, government, education & rent payments: Earn 0.70 reward points for every ₹100 spent, any day.
Milestone benefit: Get 3,000 bonus reward points when you spend ₹5 lakh in a year.
Rewards Redemption:
100 Reward Points = 100 Airline Miles
1 Reward Point = ₹0.50 Cash Credit
1 Reward Point = Up to ₹0.75 for non-cash redemptions (Pay with Rewards)
Other Features and Benefits
Welcome Benefits
Receive activation benefits from Luxe gift cards, Montblanc, Post Card, and Vouchagram.
Movies
Enjoy Buy 1 Get 1 free movie tickets via BookMyShow.
Get 1 free ticket per month up to ₹200 off and ₹50 off on food and beverages.
Travel Insurance
Avail personal air accident insurance cover of ₹25 lakh for added protection during travel.
Membership & Lounge Access
Complimentary Priority Pass membership with access to 600+ airport lounges worldwide.
Forex Markup Fee
Benefit from a low forex markup fee of 1.8% on all foreign currency transactions.
Fuel Surcharge Waiver
Save 1% on fuel surcharge, up to ₹100 per month, for fuel spends between ₹500 and ₹3,000 at petrol pumps in India.
Total Protect
Get coverage up to your credit limit for unauthorized transactions in case of card loss or theft, even 48 hours before reporting to IndusInd Bank.
Concierge Services
Assistance with hotel reservations, flight bookings, sports and entertainment tickets, and exclusive events.
Support for flower and gift deliveries anywhere in the world.
Auto Assist Services
Roadside assistance including repairs, battery service, lost keys, emergency towing, fuel refill, accident management, and medical help.
Fees and Charges
Fee Type
Amount
Joining Fee
Nil
Annual Fee
Nil
Finance Charges
3.95% p.m. | 47.40% p.a.
Late Payment Fee
For Statement Balance:
Amount
Up to Rs. 100
Nil
Between Rs. 101 and Rs. 500
Rs. 100
Between Rs. 501 and Rs. 1,000
Rs. 350
Between Rs. 1,001 and Rs. 10,000
Rs. 550
Between Rs. 10,001 and Rs. 25,000
Rs. 800
Between Rs. 25,001 and Rs. 50,000
Rs. 1,100
Above Rs. 50,000
Rs. 1,300
Things to Know Before you apply
Get this card if:
You travel with partner airlines and want to redeem points 1:1.
You already have a credit card that gives frequent lounge access.
You want a card with a low forex markup fee for foreign transactions.
You spend more on weekends and want to earn extra reward points.
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For IndusInd Bank Legend Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
IndusInd Bank Legend Credit Card Hilights
What do we like about this card?
Rewards: Earn points on all spends, extra on weekends, and milestone bonuses.
Welcome Gifts: Activation benefits from Luxe, Montblanc, Post Card, and Vouchagram.
Movies & Lifestyle: Buy 1 Get 1 free movie tickets, discounts on food, concierge, and auto-assist services.
Protection: Personal air accident insurance up to ₹25 lakh and coverage for unauthorized transactions.
Fuel Waiver: 1% fuel surcharge waiver up to ₹100 per month.
Pros
Earn extra rewards on weekend spending.
Get rewards on usually excluded categories like bill payments, insurance, and rent.
1:1 redemption of points with partner airlines.
Multiple options to redeem rewards (cashback, miles, or purchases).
Cons
Low reward rate on weekday spending.
No complimentary lounge access.
Limited lifestyle perks compared to other premium cards.
Fuel spends are excluded from rewards.
IndusInd Bank Credit Card Contact Details
Contact Address: IndusInd Bank Ltd. 701, Solitaire Corporate Park, 167 Guru Hargovindji Marg, Andheri East, Mumbai – 400093, Maharashtra, India
Helpline: 1860 267 7777 (accessible from most Indian cities)
Simply SMS: SMS Indulge to 5676757 for details or callback requests
Frequently Asked Questions
Everything you need to know about this credit card
Indian citizens aged 18 to 65 years with a clean credit history can apply for this card.
Yes, the IndusInd Legend Credit Card is lifetime free.
You can activate the card via the IndusInd Bank website, mobile banking app, or by contacting customer care.
Reward points can be redeemed as cash credit (1 RP = ₹0.5), airline miles (1:1), or non-cash purchases/Pay with Points (1 RP = up to ₹0.75).
No, reward points never expire on this card.
The card offers a Buy One Get One free movie ticket benefit via BookMyShow, with savings up to ₹200 per month. Visit www.bookmyshow.com to avail the offer.
Yes, you get a 1% fuel surcharge waiver at all petrol pumps for transactions between ₹500 and ₹3,000, capped at ₹100 per month.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
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