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IndusInd Bank Legend Credit Card
Travel
Lifetime Free
Rewards
Rewards:
Up to 2 reward points for every Rs. 100 spent
Travel
Low forex markup fee of 1.8%
Movies
Buy one get one offer via BookMyShow
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About IndusInd Bank Legend Credit Card
The IndusInd Legend Credit Card is a rewards and travel-focused card, offering accelerated earning on weekend spends and a good redemption value on transferring points to air miles. It can be a good option for frequent travelers as the forex mark-up charge is low (1.8%), and the accumulated rewards can be transferred to partner airline loyalty programs in a 1:1 ratio. Complimentary movie tickets, a dedicated concierge service, auto-assist, and complimentary insurance add to the card’s benefits.
However, though promoted as a premium credit card, IndusInd Legend struggles to justify its premium status. The reward earning rate is very low in comparison to other premium cards, which brings down the overall value back, despite its 1:1 redemption ratio. Additionally, unlike other premium cards that allow redemption against multiple airline partners, this card offers this feature with comparatively less number of airlines. The card offers no lounge access (discontinued w.e.f. 7 March, 2025)—a disappointing factor for a credit card that already offers travel-focused benefits like forex markup fees, insurance, concierge and even Priority Pass membership. Having said that, the offered features are still good for a lifetime free credit card. That way, it can be a fair addition to a card user’s wallet.
Reward Structure:
- 2 reward points for every Rs. 100 spent on weekends (Sat-Sun)
- 1 reward point for every Rs. 100 spent on weekdays (Mon-Fri)
- 1 reward point for every Rs. 100 spent on on medical, automobiles & telecom transactions (on weekdays and weekends)
- 0.70 reward points on every Rs. 100 spent on utility bill payments, insurance premium payments, government services/charges/payments, education institute fees and rental payments (on weekdays & weekends)
- 3,000 bonus reward points on spending Rs. 5 lakh in a year as milestone benefit
- Rewards Redemption: You can get a decent redemption value on the card as follows:
Other Features & Benefits:
Welcome Benefits: Activation benefits from Luxe gift card, Montblanc, Post Card and vouchagram.
Movies: Buy one get one movie ticket free on bookings via BookMyShow, 1 free ticket of up to Rs. 200 off in a month and Rs. 50 off on food and beverages.
Also Read: Best Entertainment Credit Card
Forex Markup Fee: The card charges a low forex markup fee of 1.8% on your foreign currency transactions.
Membership: Complimentary Priority Pass membership with access to 600+ Airport Lounges.
Fuel Surcharge Waiver: 1% fuel surcharge waiver, up to Rs. 100 per month, on fuel spends of Rs. 500 to Rs. 3,000 at petrol pumps across India.
Also Check: Best Fuel Credit Card
Travel Insurance: The card offers personal air accident insurance cover of Rs. 25 lakh.
IndusInd Bank Legend Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Nil | ||||||||||||||||
| Annual Fee | Nil | ||||||||||||||||
| Finance Charges | 3.95% p.m. | 47.40% p.a. | ||||||||||||||||
| Late Payment Fee |
|
Things to Know Before you apply
Get this card if:
You frequently travel with partner airlines and can utilize the 1:1 redemption
You own another credit card with good frequency of lounge access
You want a low forex markup fee card
You frequently spend on weekends
Other Similar Cards:
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What do we like about this card?
Though the reward structure offered on this card is basic, the credit card offers varying reward points on weekdays and weekends. Thus, if you mostly go out shopping on weekends, you can easily maximize the reward benefit. Also, while there is a cap on the range of rewards that can be redeemed, there is no expiry to reward points. Keeping that in view, the bonus 3,000 reward points offered under the milestone benefit add more value, as you always have more to redeem and avail the benefit of. Additionally, the card offers multiple redemption options across air miles and cash credit/statement balance with a good value back.
Pros
- Accelerated rewards on weekend spends
- Rewards on often excluded categories (bill payments, insurance and rent payments)
- 1:1 redemption against airlines
- Multiple redemption options
- Low forex markup fee
Cons
- Low base rewards rate for weekday spends
- No complimentary lounge access benefits
- Limited lifestyle benefits
- Exclusion of fuel from rewards program
Frequently Asked Questions
Everything you need to know about this credit card
Footnotes
- Fuel spends will not accrue any reward points.
- Spends on rental, utility, insurance, wallet transactions are not considered for milestone spending threshold calculation.
- With effect from January 2025, cumulative education payment transactions through third-party platforms of up to Rs. 45,000 in a statement cycle, will not attract any fee. However, a fee of 1% + GST will be levied beyond this spend value.
- Maximum reward points allowed for cash redemption will be 5,000 per calendar month.
Click here to know More Terms and Conditions
Megha Khanna
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
