Legend Credit Card

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

Rewards
Travel
Lifestyle
Best For: Frequent international travellers, Those seeking lifestyle and dining privileges, Weekend shoppers

Legend Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Pros

  • Lifetime-free card
  • Double reward points on weekends
  • 1.8% discounted foreign currency mark-up
  • Comprehensive travel insurance
  • Global concierge service
  • Priority Pass access to 600+ lounges worldwide
  • Buy 1 Get 1 free on movie tickets via BookMyShow
  • 1% fuel surcharge waiver

Cons

  • Lounge access being discontinued from 7th March 2025
  • Fuel transactions do not accrue reward points (effective April 2018)
  • Medical, Automobiles & Telecom transactions earn only 1 reward point per ₹100 (from Jan 2022)
  • Free movie ticket capped at ₹200
  • Only 1 free movie ticket per month (from June 2023, reduced from 3)

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Welcome gifts available at select fee points only

Reward points revised for select merchant categories from August 2019

Club Vistara Airmiles redemption discontinued from 31st Oct 2024

InterMiles redemption discontinued from 21st January 2025

Key Benefits & Features

Weekend bonus: 2 reward points per ₹100 spent on Saturday & Sunday; 1 reward point per ₹100 on weekdays

Welcome gifts: Montblanc experience or Vouchagram/Vouchagram Premium vouchers (select fee points only)

Notable Exclusions

No reward points on fuel transactionsMedical, Automobiles & Telecom transactions earn only 1 reward point per ₹100 on both weekdays and weekendsRewards program revised for select merchant categories

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

About Legend Credit Card

The IndusInd Bank Legend Credit Card is a premium, lifetime-free credit card designed to deliver world-class privileges across travel, dining, and shopping. Crafted for those who appreciate the finer things in life, the card offers access to a curated selection of luxury brands and experiences, serving cardholders with nothing but the best. It comes with a discounted foreign currency mark-up of 1.8% and a 1% fuel surcharge waiver, making it a practical companion for frequent travellers and daily spenders alike. On the rewards front, cardholders earn 1 reward point for every ₹100 spent on weekdays and 2 reward points for every ₹100 spent on weekends, encouraging regular use. A bonus of 4,000 reward points is available upon spending ₹6,00,000 or more within a year of card issuance. Earned points can be redeemed through IndusMoments, Pay with Rewards, Singapore Airlines KrisFlyer miles, or Air India Maharaja Club points, offering flexible and rewarding redemption options. Beyond rewards, the Legend Credit Card unlocks an array of lifestyle benefits including a premium Montblanc experience, concierge services, auto assist, and exclusive Vouchagram offers. It is ideally suited for frequent international travellers, lifestyle enthusiasts, and weekend shoppers looking for a feature-rich card that combines everyday value with luxurious privileges.

Expert Review

Our Verdict

Lifetime-free card with reward points on every spend, travel privileges, concierge & dining benefits.

Frequently Asked QuestionsAbout Legend Credit Card

FEESIs the IndusInd Bank Legend Credit Card a lifetime-free card?
Yes, the IndusInd Bank Legend Credit Card is a lifetime-free card, meaning there is no joining fee or annual fee charged to the cardholder. You can enjoy all the premium benefits and privileges of the card without worrying about any recurring membership charges.
REWARDSHow many reward points do I earn on weekend and weekday spends?
With the IndusInd Bank Legend Credit Card, you earn 1 reward point for every ₹100 spent on weekdays (Monday to Friday) and 2 reward points for every ₹100 spent on weekends (Saturday and Sunday). The classification is based on the transaction date, which is the date on which you swipe your card.
REWARDSDo fuel transactions earn reward points on the Legend Credit Card?
No. Effective 1st April 2018, fuel transactions do not accrue reward points on the IndusInd Bank Legend Credit Card. However, you can still enjoy a 1% fuel surcharge waiver on fuel transactions made using your card, helping you save on fuel purchases.
REWARDSHow are reward points earned on Medical, Automobiles, and Telecom transactions?
Effective 1st January 2022, transactions in the Medical, Automobiles, and Telecom categories earn only 1 reward point for every ₹100 spent, regardless of whether the transaction occurs on a weekday or weekend. This is a reduced earning rate compared to other eligible categories on the card.
REWARDSWhat are the bonus reward point offers available on the Legend Credit Card?
You can earn 4,000 bonus reward points on spending ₹6,00,000 or above within one year from the date of card issuance. Revised effective 15th December 2024, you can earn 3,000 bonus reward points on spends of ₹5,00,000 or above within one year from the date of credit card issue. Terms and conditions apply.
USAGEHow can I redeem the reward points earned on my Legend Credit Card?
Reward points earned on the IndusInd Bank Legend Credit Card can be redeemed through multiple options including IndusMoments (online rewards portal), Pay with Rewards, Airline Miles on KrisFlyer, and Maharaja Points for Maharaja Club. Cash credit redemption is also available. Note that Club Vistara Airmiles redemption was discontinued from 31st October 2024, and InterMiles redemption was discontinued from 21st January 2025.
BENEFITSWhat is the movie ticket offer available on the Legend Credit Card?
IndusInd Bank Legend Credit Card holders can enjoy a Buy One Get One Free offer on movie tickets through BookMyShow. Effective 1st June 2023, one free ticket per month is available (reduced from three). The free ticket price is capped at ₹200; if the ticket costs more, you receive a ₹200 discount and pay the remaining amount using your Legend Credit Card. An additional ₹50 off is available on selecting the F&B option.
BENEFITSDoes the Legend Credit Card offer airport lounge access?
The IndusInd Bank Legend Credit Card previously offered complimentary Priority Pass access to 600+ lounges worldwide. However, please note that effective 7th March 2025, the Lounge Access feature will be discontinued. Cardholders will no longer be able to use this benefit after that date.
INTERNATIONALWhat is the foreign currency mark-up fee on the Legend Credit Card?
The IndusInd Bank Legend Credit Card offers a discounted foreign currency mark-up fee of 1.8% on all international transactions. This is lower than the standard forex markup charged by most credit cards, making it a cost-effective choice for frequent international travellers.
BENEFITSWhat travel insurance coverage does the Legend Credit Card offer?
The IndusInd Bank Legend Credit Card provides comprehensive travel insurance in partnership with The Oriental Insurance Company Ltd. Coverage includes: Lost Baggage up to ₹1,00,000; Delayed Baggage up to ₹25,000; Loss of Passport up to ₹50,000; Lost Ticket up to ₹25,000; and Missed Connection up to ₹25,000. Terms and conditions apply.
BENEFITSWhat concierge services are available with the Legend Credit Card?
The Legend Credit Card offers a complimentary global concierge service that assists with pre-trip information and travel destination guidance, hotel reservations worldwide, flight bookings, sports and entertainment event bookings, exclusive workshop or seminar reservations, and gift and flower deliveries anywhere in the world. This service is accessible from any corner of the globe and is completely complimentary for cardholders.
BENEFITSWhat welcome gifts are available with the Legend Credit Card?
The IndusInd Bank Legend Credit Card offers welcome gifts at select fee points, including options such as a premium Montblanc experience (offering access to watches, stationery, jewellery, leather goods, and eyewear), access to luxury boutique hotels across India through Vouchagram, and discount vouchers from brands like Amazon, Flipkart, Zee5, Apollo Pharmacy, Uber, Ola, and more. Welcome gifts are applicable only on select fee plans.
APPLICATIONHow do I apply for the IndusInd Bank Legend Credit Card?
You can apply for the IndusInd Bank Legend Credit Card online through the IndusInd Bank official website by clicking the 'Apply Now' button on the Legend Credit Card page. The application process is 100% digital with instant approval. You can also visit your nearest IndusInd Bank branch or contact the bank's phone banking service for assistance with your application.
BENEFITSWhat is the fuel surcharge waiver benefit on the Legend Credit Card?
The IndusInd Bank Legend Credit Card offers a 1% fuel surcharge waiver on fuel transactions. This helps cardholders save money on their fuel expenses. Please note that while the fuel surcharge waiver is applicable, fuel transactions do not earn reward points on the Legend Credit Card, effective April 2018.
OTHERWhat categories does the Legend Credit Card cater to?
The IndusInd Bank Legend Credit Card is designed for Rewards, Travel, and Lifestyle categories. It is tailored for individuals who enjoy premium experiences including luxury travel, dining, shopping, and entertainment. The card offers a range of handpicked benefits from top brands to deliver a world-class lifestyle experience to its cardholders.

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