Note: This is an old post. Some of the benefits of this card may have changed. Please refer to this page for the latest information.
|IndusInd Bank Legend Credit Card Rating|
Annual Fee ★★★★
Travel Benefits ★★★★
Offers & Discounts ★★★
Movie Benefits ★★★★
|Overall Rating ★★★★|
IndusInd Legend Credit Card is a premium card offered by the IndusInd Bank. The card is in line with credit cards such as IndusInd Platinum Select and Club Vistara IndusInd Bank Explorer; cards that offer exclusive lifestyle, travel and reward benefits to their users. IndusInd Bank Legend Credit Card has been specifically designed for people who like to travel and get the most from their weekends. Read this detailed review to know more about the features and benefits of this credit card.
IndusInd Bank Legend Credit Card at a Glance
|Joining Fee||Rs. 9,999 + GST|
|Best Suited For||Shopping and Travel|
|Minimum Income Required||Rs. 3 lakh p.a.|
|Rewards Rate||Weekdays – 1% ( 1 RP per Rs. 100)|
Weekends – 2% (2 RP per Rs. 100)
Key Highlights of IndusInd Legend Credit Card
Enjoy a Host of Welcome Benefits
IndusInd Legend offers several welcome benefits to its users, some of which have been mentioned below:
- Discount vouchers from Yatra, Louis Philippe, Urban Ladder and Charles and Keith
- Complimentary stay at Oberoi Hotel (anywhere in India)
- Montblanc Voucher that can be used across 12 stores located in Delhi, Mumbai, Chennai, Kolkata, Pune and Bangalore
However, if the cardholder does not pay the joining fee, he/she won’t be eligible for the welcome benefits.
Get that Golf Game On
IndusInd Legend Credit Card offers exclusive access to some of the best golf courses in India. With this card, you can enjoy complimentary golf lessons and games in leading golf clubs in Chennai, Bengaluru, Hyderabad, Delhi NCR, Mumbai and Pune. The card offers 12 complimentary golf games and lessons (1 game and 1 lesson per month) in a calendar year. So, if you are a golf lover or are willing to learn the game, IndusInd Legend can be the right credit card for you. However, if you would like to play golf internationally, HDFC Diners Club Black can be the most suitable option for you.
Enjoy the Exclusive Rewards
IndusInd Legend Credit Card offers 1 reward point for every Rs. 100 spent on weekdays and 2 reward points on weekends. The reward points never expire, but there is a cap on how many points can be redeemed in a billing cycle. You can visit the bank’s website to check for a current cap on reward redemption.
The reward benefits of IndusInd Legend Credit Card may not be as good as compared to premium credit cards such as SBI Elite, Standard Chartered Priority Visa Infinite and City Prestige, but the fact that the points never expire gives IndusInd credit card a little edge over the others.
1 Reward Point = Rs. 1
Watch Your Favorite Movies With Your Favorite
With your IndusInd Legend Credit Card, you can enjoy a movie with your favourite person 3 times in a month. The card offers buy one get one movie ticket and additional Rs. 50 off on selecting the F&B option. This offer is much better as compared to the one offered by SBI Elite, wherein, you get a maximum discount of Rs. 250 and that too only 2 times in a month. So, if you are a movie lover, this could be a good card for you. But again, the card comes with quite an expensive joining fee for free movie tickets.
Travel Without Worries
Enjoy your journey with exclusive benefits offered by IndusInd Legend Credit Card.
Priority Pass Programme
With IndusInd Legend’s complimentary Priority Pass Membership, you can get free access to domestic lounges twice in a calendar quarter, i.e. 8 visits per year. However, in order to avail free international lounge access in India and abroad, cardholders will have to purchase the Travel Plus Programme. The cost of getting the travel plus programme is Rs. 5,000 plus applicable taxes post which you can avail 8 free international lounge visits. Also, the complimentary lounge access is only for the primary cardholder and the benefit cannot be availed by any add-on card user or a guest accompanying the cardholder.
To activate the Priority Pass Membership, you will need to contact IndusInd’s customer service. After your request has been processed, your priority membership card will be delivered within 7-8 days. You will need to carry this card to avail the priority pass facility at the lounges. If you are looking for a card that offers both national and international lounge access, this may not be the card for you. You can go for cards such as SBI Elite and HDFC Diners Club Black to avail international lounge access.
Low Forex Markup Fee
If you love to travel internationally, you already know how a high forex markup fee can dig a hole in your pocket, but you do not need to worry about your international purchases with an IndusInd Legend Credit Card. This card offers a low forex-markup fee of just 1.8% which is much lower in comparison to what is offered by SBI Elite and HDFC Diners Club Black. So, if you make a lot of purchases outside India, this card is a good option for you.
Also, remember that when you make any international purchase via IndusInd Legend Credit Card, a forex markup of 3.5% will be levied on the transaction. The differential amount will then be credited at the end of the next calendar month in your account.
Comprehensive Travel Insurance Cover
IndusInd Legend credit card provides cardholders with the following insurance cover:
|Insurance Cover||Sum Assured (Up to)|
|Loss of Ticket||Rs. 25,000|
|Loss of Passport||Rs. 100,000|
|Loss of Baggage||Rs. 50,000|
|Delayed Baggage||Rs. 25,000|
|Missed Connection||Rs. 25,000|
However, the card does not offer for its cardholders any kind of credit liability cover or medical insurance cover such as air accident cover, overseas hospitalization.
Get Round The Clock Assistance
The concierge service offered by IndusInd Legend credit card is incomparable to that of any other premium credit card may it be SBI Elite, Citi Prestige or HDFC Diners Club. With this card, cardholders can make use of:
Pre-Trip Assistance – Wherever a cardholder wishes to travel, may it be within India or abroad, he/she can avail these services to know anything about the place, like weather, transportation mode, landmarks, etc.
Bookings Assistance – Cardholders can get their hotel or flight bookings done by contacting the concierge services.
Apart from the above-mentioned services, IndusInd concierge services offer:
- Car Rental & Limousine Services
- Restaurant Reservations
- Sports and Entertainment Bookings
- Event Bookings
- Flower and Gift Delivery
These features are similar to those offered by other premium credit cards. However, not many cards offer international concierge services like the one available on this card making it rank above other such cards.
Get Help When in Trouble
IndusInd Legend’s Auto Assist is one of a kind service offered by none other in the country. If you are on the road and you need assistance, IndusInd’s auto Assist Service will be there to help you. With this service you can get:
- Roadside repair service
- Emergency fuel supply
- Locksmith in case you leave car keys inside
- Battery service
- Emergency towing assistance
This can be very helpful for you if you reside in Delhi, Mumbai, Chennai, Kolkata, Pune and Bangalore. This unique feature adds more value to the IndusInd Legend credit card.
Other Benefits of IndusInd Legend Credit Card
- 5 add-on cards without any annual fee
- A separate card for business expenses
- Total Protect Security program to cover cardholders from unauthorised transactions in case of theft/lost card
Limitations of IndusInd Legend Credit Card
- To get free international lounge access, you need to purchase a separate “Travel Plus” program
- Domestic lounge accesses are limited to 2 per quarter which is relatively low in the case of a premium card
- Auto assist facility is limited to Delhi, Bangalore, Chennai, Pune, Mumbai and Kolkata
- Priority Pass Membership is only for the primary cardholder
Should you get this card?
IndusInd Legend has a decent reward rate, but not as good as SBI Elite, HDFC Diners Club Black or Citi Prestige credit cards. Even though the reward points never expire, there is a capping on how many reward points can be redeemed at once. The card offers the best concierge services and an exclusive auto assist service which is not offered by any other cards. Also, the card has zero annual fees, making it a very good option. The low forex mark-up fee also makes this card a good choice for frequent international visitors. On the other hand, having to buy a separate program to access international lounges seems a bit expensive. So, depending upon your needs, you can decide whether or not to have this credit card.
IndusInd Legend Credit card is one of the best premium cards and can be opted by the people who need decent rewards and are frequent international travellers.