With a decent reward rate and bonus benefits, IndusInd Legend is the right choice for people who frequently travel and want to earn reward points. Frequent travellers can maximize the benefits by redeeming earned reward points against Air Miles. Besides this, you can also avail other premium benefits like Priority Pass Program, low forex markup fee of 1.8% and much more via this credit card. This is a good choice if you are looking for a premium credit card but do not want to pay a very high annual fee.
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Key Highlights of IndusInd Bank Legend Credit Card |
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| Card Type | Super-premium |
| Best Suited for | Lifestyle and Travel |
| Joining Fee | Rs. 9,999 (Nil, if applied through Paisabazaar) |
| Renewal Fee | Nil |
| Best Feature | Earn substantial reward points and redeem them against Miles on partner airlines in 1:1 ratio |
| Paisabazaar’s Rating | ★★★★ (4/5) |
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Also read: Best Super Premium Credit Cards in India
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IndusInd Bank Legend offers benefits under multiple categories, including travel, dining, shopping and more. The features and benefits of this credit card are as follows:
You can earn reward points via IndusInd Legend Credit Card as per the below details:
Here, the fuel spends will not accrue any reward points.
Apart from these reward points, you can also earn 4,000 bonus reward points on spending Rs. 6 lakh in a year from the day of card issuance.
Reward Points Redemption:
You can redeem the earned reward points as per the below details:
| Reward Points | Redemption Option |
| 100 | 100 Miles on partner Airlines |
| 1 | Rs. 1 of Pay with Rewards |
| 1 | Rs. 0.75 of Cash Credit |
In comparison to other cards, the redemption against Airline Miles on Vistara and InterMiles platforms gives the best value back of 1 reward point=1 Airline Mile. Even the redemption against cashback is good, thus if you have around 5,000 reward points, you can get it adjusted for around Rs. 3,750 (if you opt for the cash credit option). This is comparatively higher in comparison to other cards in this category, like HDFC Infinia Credit Card, which offers 1 RP = Rs. 0.30 for redemption against the statement balance.
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Travel Insurance: The card offers personal air accident insurance cover of Rs. 25 lakh.
Total Protect: With ‘Total Protect’, you are allowed for a sum of up to the credit limit on your card for unauthorized transactions in case of loss/ theft, even 48 hours before you report to IndusInd Bank.
Concierge Services: With this card you get to avail extensive concierge service inclusive of pre-trip assistance, hotel reservation, flight tickets, sports and entertainment booking, and exclusive bookings for special events, like workshops or seminars. You can also seek assistance for flower and gift delivery anywhere in the world.
The Legend Credit card also offers ‘Auto Assist’ facility, wherein you can seek help in case of emergencies. Assistance is offered for roadside repair, emergency fuel supply, flat tyre service, lost keys, battery service and emergency towing service.
| While a lot of premium credit cards offer concierge services for travelling, IndusInd Legend Credit Card takes it a notch higher by offering assistance across multiple categories. With the ‘pre-trip assistance’ feature, you are assisted not only when you travel, but before it as well. Additionally, the concierge service is extended to general categories like entertainment, gifting and auto-assistance, thus, unlike other cards that claim offering ‘concierge service’ the Legend credit card offers ’round-the-clock’ assistance in real terms. |
Apart from the above-mentioned benefits, you can also avail free movie tickets, Priority Pass membership and much more. Below mentioned are the details regarding the same:
Buy 1 Get 1 Movie Ticket Free: Buy one get one movie ticket free on bookings via BookMyShow. You can avail 1 free ticket of up to Rs. 200 off in a month and Rs. 50 off on food and beverages.
Priority Pass Program*: Complimentary Priority Pass Program for primary and add-on cardholders, giving access to 700+ lounges worldwide. Check 10 Airport Lounge Access Credit Cards in India 2023.
Domestic Lounge Access: 2 complimentary domestic airport lounge access to Visa lounges every quarter.
Forex Markup Fee: The Legend credit card charges a low forex markup fee of 1.8% on your foreign currency transactions.
Fuel Surcharge Waiver: 1% fuel surcharge waiver on fuel spends of Rs. 400 to Rs. 4,000 at petrol pumps across India.
Auto Assist Services: Assistance for roadside repairs, battery service, lost keys, emergency towing services and fuel refill, accident management and medical help, etc.
*Whenever you visit a Priority Pass lounge anywhere in the world, a fee of $27 per member per visit would be charged on your IndusInd Bank Legend Credit Card.
Take a look at other credit cards offered by IndusInd Bank.
Following are the charges associated with the usage of this credit card:
| Category | Amount |
| Joining Fee | Rs. 9,999 (Nil, if applied through Paisabazaar) |
| Annual Fee | Nil |
| Finance Charges | 3.83% p.m. (46% p.a.) |
| Late Payment Fee | For Statement Balance:
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To be eligible for IndusInd Bank Legend Credit Card, the applicant must meet the following requirements:
| Criteria | Details |
| Occupation | Salaried or Self-employed |
| Age | 21-60 years |
| Minimum Income Required | Rs. 20,000 per month |
| Documents Required | Click here for the list of acceptable documents |
| Serviceable Cities | Click here for the list of eligible cities |
IndusInd Bank Legend Credit Card is a super-premium credit card that offers reward points on every purchase you make. Additionally, it also provides exclusive Priority Pass Membership and golf visits every year. With decent reward rate and spend-based bonus, this is a good choice for people who are looking for a premium credit card but don’t want to pay a high annual fee every year. However, the only drawback of this credit card is you can earn the maximum rewards rate only on weekends. So, this is a good option if you make most of your purchases via credit card on weekends.
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A few of the similar credit cards are mentioned in the table below:
| Credit Card | Annual/ Joining Fee | Best Feature |
| IndusInd Legend Credit Card | Rs. 9,999 (Nil on Paisabazaar) | 2 reward points per Rs. 100 spent* |
| Standard Chartered Priority Visa Infinite | Nil | 5X reward points for every Rs. 100 spent |
| HDFC Diners Club Black | Rs. 10,000 | Complimentary annual membership of Club Marriott, Forbes, Amazon Prime, Zomato Gold, MMTDOUBLEBLACK and Times Prime |
| Axis Bank Magnus Credit Card | Rs. 10,000 | Unlimited lounge access; 25,000 bonus reward points on reaching monthly spend milestone of Rs. 1 Lakh |
| SBI Elite Credit Card | Rs. 4,999 | 5X reward points on dining, departmental stores and grocery spends |
*Terms and conditions applicable.
What should I do if I lose my credit card?
In such a case, you can contact the IndusInd Bank customer care executives so the bank executives can get your credit card blocked immediately. You can also block your credit card through the IndusInd net portal (IndusNet) or mobile app.
How can we contact the customer care of IndusInd Bank?
You can contact the customer care of IndusInd Bank for issues related to credit cards at 1860 267 7777.
Who can apply for this credit card?
Indian citizens who are over 18 years of age but below 65 years of age can apply for this credit card. Also, customers must have a clean credit history.
Does IndusInd Bank Legend Credit Card offer lounge access?
Yes, customers can avail free priority pass membership and 1 free visit per quarter with this credit card. Additionally, this card also gives Travel Plus membership along with 8 free visits.
Does this credit card offer a fuel surcharge waiver?
Yes, you can avail a fuel surcharge waiver of 1% at all petrol pumps. However, this is applicable only on transactions between Rs. 400 to Rs. 4,000.
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