IndusInd Bank Legend Credit Card

Name: IndusInd Bank Legend Credit Card
Brand: IndusInd Bank
Price: 5000 INR
Availability: InStock
Rating: 3 (1 reviews)

Overview

The IndusInd Bank Legend Credit Card is a Visa Signature card positioned as a premium travel and lifestyle offering. The ₹5,000 one-time joining fee is the only cost, as IndusInd charges no annual or renewal fee on this card. Reward points are earned at 1 per ₹100 on Monday through Friday transactions and 2 per ₹100 on Saturday and Sunday purchases. Each point redeems at ₹0.50 in cash credit or converts 1:1 into airline miles on partner programmes like Krisflyer. Points never expire as long as the card account stays active, and there is no cap on annual earnings.The 1.8% foreign currency markup is a standout feature, saving roughly 1.7 percentage points per international transaction compared to the 3.5% charged by most competing cards. A complimentary Priority Pass membership covers the cardholder and a partner, though each lounge visit is charged at USD 35. Domestic airport lounge access (1 visit/quarter) was discontinued in March 2025. Travel insurance covers lost baggage up to ₹1 lakh, delayed baggage ₹25,000, lost passport ₹50,000, lost ticket ₹25,000, and missed connections ₹25,000 for up to 20 days of international travel.The ₹25 lakh personal air accident cover, Total Protect fraud insurance (covering 48 hours before reporting a lost card), and a 1% fuel surcharge waiver at any petrol pump nationwide round out the protection benefits. Entertainment perks include a monthly BookMyShow buy-one-get-one-free movie ticket (capped at ₹200 per free ticket) and complimentary Times Prime membership. A 24-hour concierge handles flight bookings, hotel reservations, and event tickets, while the Auto Assist programme provides roadside help in Mumbai, Delhi, Bangalore, Pune, Chennai, and Kolkata.The Legend sits between IndusInd’s free-for-life Platinum Aura Edge and the ₹10,000 Nexxt card. It works best for frequent international travellers who want a low forex markup and travel insurance without paying recurring annual fees. The base reward rate of 0.5% to 1% on spending is average, and the absence of complimentary lounge visits after March 2025 weakens the travel proposition. Heavier spenders looking for higher reward rates and unlimited lounge access should consider the Pinnacle (₹15,000) or competing banks’ premium cards instead.

Pros

↑1.8% foreign currency markup saves roughly ₹170 per ₹10,000 spent abroad compared to the standard 3.5% charged by most Indian credit cards
↑No annual fee ever, so the ₹5,000 joining fee is a one-time cost with no recurring charges regardless of how little you spend
↑Travel insurance covering lost baggage (₹1L), delayed baggage (₹25K), lost passport (₹50K), and missed connections (₹25K) is bundled at no extra cost
↑₹25 lakh personal air accident insurance and Total Protect fraud cover (48-hour pre-report protection) add a safety net uncommon at this price
↑Reward points never expire and convert 1:1 to airline miles on Krisflyer, giving flexibility for infrequent redeemers who prefer to accumulate over time

Cons

↓Base reward rate of 0.5% on weekdays (1 point = ₹0.50 per ₹100) is below average, and even the weekend 1% rate trails cards like HDFC Regalia or ICICI Sapphiro
↓Complimentary domestic airport lounge access was discontinued in March 2025, and Priority Pass visits cost USD 35 each, making lounge access effectively a paid feature
↓BookMyShow free ticket is capped at ₹200 (1 per month), which barely covers the cost of a standard multiplex ticket in metro cities
↓Fuel transactions earn zero reward points (since April 2018), and medical, auto, and telecom categories earn a reduced 1 point per ₹100 even on weekends

Key Highlights

Welcome Offer
Welcome gift from Montblanc, PostCard, or Vouchagram (select fee plans)
Montblanc collection (watches, stationery, leather goods)
PostCard boutique hotel stays across India
Vouchagram discount vouchers (Amazon, Flipkart, Uber, etc.)
Available only at select fee points
Contact phone banking for applicable charges

Reward Rate
1 to 2 points per ₹100 (₹0.50/point)
Weekdays (Mon to Fri): 1 point per ₹100
Weekends (Sat, Sun): 2 points per ₹100
1 point = ₹0.50 cash credit
1 point = 1 airline mile (Krisflyer)
No points on fuel since April 2018
Medical, auto, telecom: 1 point per ₹100 always
Points never expire while card is active

Minimum Salary
By invitation or high income
IndusInd Bank does not publicly disclose specific income criteria for Legend
Typically issued to existing high-value customers
Also available through relationship managers
Age: 21 to 65 years
Indian citizen or resident

Joining Fee
₹5,000
One-time joining fee: ₹5,000
Welcome gifts available at select fee points
Contact sales representative for fee plan options

Annual Fee
No annual fee
No annual fee charged
No renewal fee at any time
The ₹5,000 joining fee is the only card cost

Why Choose?
Low forex, travel insurance, and concierge at ₹5,000
1.8% forex markup (vs 3.5% industry standard)
₹25L air accident insurance
Travel insurance (lost baggage, passport, missed connection)
Priority Pass membership (USD 35/visit)
24/7 concierge and auto assist
BookMyShow BOGO once monthly
1% fuel surcharge waiver nationwide

Key Benefits

Fuel

★3.5

▼

1% fuel surcharge waiver at all petrol pumps across India
GST on fuel surcharge is borne by cardholder
Monthly cap on waiver amount (bank discretion)
No reward points on fuel transactions since April 2018
1% fee + GST on fuel transactions exceeding ₹50,000 per statement cycle

Lifestyle

★3.5

▼

BookMyShow: buy 1 get 1 free (1 free ticket/month, capped at ₹200)
₹50 off on food and beverages with BookMyShow
Complimentary annual Times Prime membership
MakeMyTrip: 2 complimentary domestic flight seats (up to ₹350) and 15% off select domestic hotels
Visa Network travel, dining, and entertainment offers

Premium

★3.5

▼

24-hour signature concierge: flight bookings, hotel reservations, event tickets, flower and gift delivery
Concierge desk: 1860 267 7777
Welcome gifts at select fee plans (Montblanc, PostCard boutique stays, Vouchagram vouchers)
Visa Signature card benefits and privileges

Reward Points

★2.5

▼

Weekdays: 1 point per ₹100 (0.5% return)
Weekends: 2 points per ₹100 (1% return)
1 point = ₹0.50 cash credit or 1 airline mile
3,000 bonus points on ₹5L+ annual spend
No cap on annual earnings
Points never expire
Redemption fee: ₹149 for cash, ₹100 for other categories

Merchant Offers

▼

Visa Network offers on travel, dining, and entertainment
Alaya Stays: Stay for 3, Pay for 2 at 200+ villas
MakeMyTrip: complimentary domestic flight seats and hotel discounts
Times Prime: 20+ subscriptions (JioHotstar, YouTube Premium, Spotify, etc.)

Travel

★3.5

▼

Priority Pass membership for cardholder and partner (700+ lounges)
USD 35 per lounge visit charged to card
Domestic lounge access discontinued March 2025
1.8% foreign currency markup on international transactions
Travel insurance: lost baggage ₹1L, delayed baggage ₹25K, lost passport ₹50K, lost ticket ₹25K, missed connection ₹25K
Valid for 20 days of international travel (must notify bank 48 hours before departure)

Airport Lounge Access

▼

Priority Pass membership for primary cardholder and partner
USD 35 per person per visit at any Priority Pass lounge worldwide
Domestic airport lounge access (1/quarter) discontinued March 2025
Travel Plus upgrade available at ₹5,000/year: waives USD 35 for up to 8 international visits + travel insurance

Liability Protection

▼

Total Protect: covers up to your credit limit
Unauthorised transactions: insurance for 48 hours prior to reporting card loss
Counterfeit fraud protection
Available on add-on cards as well
Complimentary, no extra fee

Insurance

▼

₹25 lakh personal air accident insurance
Travel insurance for 20 days of international travel
Lost baggage: up to ₹1,00,000
Delayed baggage (12+ hours): up to ₹25,000
Lost passport: up to ₹50,000
Lost ticket: up to ₹25,000
Missed connection (6+ hours delay): up to ₹25,000
Must notify IndusInd Bank 48 hours before travel and within 48 hours after return

Detailed Information

Joining Fee	₹5,000
Annual Fee	No annual fee
Annual Fee Waiver	Not applicable (no annual fee charged)
Monthly Percentage Rate	3.95%
Annual Percentage Rate	47.40%
Minimum Monthly Payment	2% of outstanding balance (effective August 2025)
Foreign Currency Markup	1.8%
Late Payment Charges	₹100 to ₹1,300 based on outstanding balance
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	2.5% of amount (min ₹300)
Balance Transfer Fee	As per prevailing offer terms
Fee For Supplementary Card	No fee
Card Replacement Fee	₹100
Fee For Duplicate Statement	₹100 per statement (beyond last 3 months)
Fee For Cheque Bounce	₹250

Age Requirement Salaried	21-65 years
Age Requirement Self Employed	21-65 years
Minimum Annual Income Salaried	Not publicly disclosed (premium segment card)
Minimum Annual Income Self Employed	Not publicly disclosed (premium segment card)
Minimum Credit Score	750+

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Voter ID
Address Proof	Aadhaar Card Passport Utility Bill (recent) Bank Statement
Income Proof Salaried	Latest 3 months salary slips Latest 3 months bank statement Form 16 or ITR
Income Proof Self Employed	Latest 2 years ITR Latest 6 months bank statement Business proof documents

Frequently Asked Questions

The joining fee is ₹5,000 as a one-time charge. There is no annual or renewal fee on this card. Welcome gifts from brands like Montblanc, PostCard boutique stays, or Vouchagram vouchers are available depending on the fee plan you choose at the time of application.

No. The IndusInd Bank Legend Credit Card has no annual fee or renewal fee. The ₹5,000 joining fee is the only card-related cost. Unlike many premium cards that charge ₹3,000 to ₹10,000 annually, the Legend does not require any minimum spend threshold to avoid yearly charges.

You earn 1 reward point per ₹100 spent on weekdays (Monday to Friday) and 2 reward points per ₹100 on weekends (Saturday and Sunday). Each point is worth ₹0.50 when redeemed as cash credit. Points can also be converted 1:1 into airline miles on Krisflyer or redeemed for gift vouchers through the IndusMoments portal. There is no cap on how many points you can earn, and points stay valid as long as your card account is active.

Fuel transactions earn zero points since April 2018. Medical, automobile, and telecom transactions earn a flat 1 point per ₹100 regardless of whether they occur on weekdays or weekends. Cash advances, fee payments, interest charges, and EMI conversions also do not earn any reward points.

Spend ₹5 lakh or more within one year from the date your card was issued. This was revised in December 2024 from the earlier threshold of ₹6 lakh for 4,000 points. The 3,000 bonus points are worth ₹1,500 in cash credit or 3,000 airline miles.

The card includes a complimentary Priority Pass membership for the cardholder and a partner, giving access to 700+ lounges worldwide. However, each visit costs USD 35 per person, billed directly to your credit card. Complimentary domestic airport lounge visits (1 per quarter) were discontinued effective March 7, 2025. You can upgrade to the Travel Plus programme at ₹5,000 per year, which waives the USD 35 fee for up to 8 international lounge visits and adds travel insurance.

The foreign currency markup is 1.8% on all international transactions, applicable on both the primary and add-on cards. This is significantly lower than the 3.5% charged by most credit cards in India. On a ₹1 lakh international purchase, you save roughly ₹1,700 compared to a card with standard 3.5% markup.

The card covers five categories: lost baggage up to ₹1,00,000, delayed baggage (12+ hours) up to ₹25,000, loss of passport up to ₹50,000, lost ticket up to ₹25,000, and missed connection (6+ hours delay) up to ₹25,000. Coverage applies for up to 20 days of international travel. You must inform IndusInd Bank at least 48 hours before departure and within 48 hours after returning to India to activate these benefits.

A 1% fuel surcharge waiver applies at any petrol pump across India, not restricted to a specific fuel brand. GST levied on fuel surcharge is not waived and must be borne by the cardholder. There is a monthly cap on the waiver amount which IndusInd Bank can adjust at its discretion. Note that fuel transactions do not earn reward points, and cumulative fuel spend exceeding ₹50,000 per statement cycle attracts a 1% fee plus GST from May 2025.

Buy one movie ticket and get the second free, once per month. The free ticket value is capped at ₹200. If the ticket costs more than ₹200, you get a ₹200 discount and pay the remaining amount with your Legend card. You also get ₹50 off when you add food and beverages to your booking. The offer works on all theatres listed on BookMyShow across major cities.

Total Protect is a complimentary fraud insurance programme that covers unauthorised transactions up to your card's credit limit. It protects against two scenarios: transactions made up to 48 hours before you report a lost or stolen card, and counterfeit card fraud where your details are cloned. The cover extends to add-on cards as well. There is no fee to activate this benefit.

The 24-hour concierge at 1860 267 7777 handles pre-trip destination research, hotel reservations worldwide, flight bookings (domestic and international), sports and entertainment ticket procurement, event bookings, and flower or gift delivery to any location globally. There is no charge for using the concierge itself. You only pay the actual cost of services booked (tickets, hotel rooms, gifts) plus any applicable delivery fees.

Auto Assist provides 24/7 roadside help in six cities: Mumbai, Delhi, Bangalore, Pune, Chennai, and Kolkata. Services include roadside repair for mechanical or electrical breakdowns, emergency fuel supply (up to 5 litres), flat tyre repair, locksmith for keys locked in the car, battery service, emergency towing to your preferred workshop, and accident management with medical coordination. Arranging the mechanic is free, but you pay the actual repair, labour, and parts costs directly.

The finance charge is 3.95% per month, which translates to 47.40% per year. This applies when you do not pay the total amount due by the statement due date. Interest is calculated daily on the outstanding balance. Cash advances attract interest from the transaction date itself with no interest-free period. Paying the full statement balance by the due date each month avoids all interest charges.

Late fees are charged when you do not pay at least the minimum amount due by the payment due date. The charges scale with your outstanding balance: nil up to ₹100, ₹100 for ₹101 to ₹500, ₹350 for ₹501 to ₹1,000, ₹550 for ₹1,001 to ₹10,000, ₹800 for ₹10,001 to ₹25,000, ₹1,100 for ₹25,001 to ₹50,000, and ₹1,300 for balances above ₹50,000. A 3-day grace period is provided after the due date to account for payment processing time.

The Legend is issued exclusively on the Visa Signature network. It includes the contactless payWave feature for tap-and-pay transactions at NFC-enabled terminals. The card also carries a chip and magstripe for use at merchants that do not support contactless payments. Visa Signature benefits and network offers apply.

Yes. The card works at any Visa-accepting merchant worldwide. International transactions carry a 1.8% foreign currency markup, which is half the typical 3.5% rate. This makes it one of the more cost-effective Indian credit cards for overseas spending. Reward points are earned at the standard weekday or weekend rate depending on the transaction date.

Welcome gift options include Montblanc products (watches, stationery, jewellery, leather goods), PostCard boutique hotel stays at destinations across India, Vouchagram vouchers (Amazon, Flipkart, Uber, Apollo Pharmacy, and more), or Vouchagram Premium vouchers from luxury brands. The specific gift depends on the fee plan selected at application. These are available at select fee points only, so check with your relationship manager or phone banking for details.

Yes. The card includes a complimentary annual Times Prime membership providing access to 20+ subscription offers and 40+ discount offers. Subscriptions cover entertainment (JioHotstar, YouTube Premium, Spotify), food and essentials (SwiggyOne Lite, Netmeds), news (ET Prime, TOI), and fitness (Cultfit). Discount offers span brands like Uber, Starbucks, Apollo Hospitals, and Myntra.

Redeem through IndusMoments (the bank’s rewards portal) for gift vouchers, products, and experiences. Convert to cash credit at ₹0.50 per point via phone banking. Transfer 1:1 to Krisflyer airline miles. Use Pay with Rewards for point-of-sale purchases (5% + GST fee on amount paid with points). A redemption fee of ₹149 applies for cash redemptions and ₹100 for all other categories.

The minimum amount due is calculated as 2% of the outstanding balance (effective August 2025, reduced from 5%), plus 100% of any EMI, GST, fees, finance charges, and overlimit amounts. Paying only the minimum avoids late payment fees but triggers the 3.95% monthly interest charge on the remaining balance from the date of each transaction.

Call the 24-hour phone banking number at 1860 267 7777 immediately to block the card. You can also block it through IndusNet internet banking, the INDIE app, IVR, or by sending an SMS: BLOCK followed by the last 4 digits of your card number to 5676757 from your registered mobile. File a police FIR and send it along with a signed letter describing the incident to IndusInd Bank. Total Protect covers unauthorised transactions up to 48 hours before you report the loss.

The card recovers its cost quickly if you spend internationally. On just ₹3 lakh of overseas purchases per year, the 1.8% markup saves roughly ₹5,100 compared to a 3.5% card, already covering the joining fee. Add the ₹25 lakh air accident insurance, travel insurance, and Times Prime membership (₹1,199 retail value), and the first-year value easily exceeds the ₹5,000 cost. Since there is no annual fee, the card is free to hold from year two onward. If you rarely travel internationally, the low base reward rate of 0.5% on weekdays makes competing cards like HDFC Regalia or Axis Magnus a better pick for domestic spending.