IndusInd Bank Legend Credit Card benefits
- Rewards1
point per ₹100 on weekdays, 2 on weekends
- Rewards3,000
bonus points on ₹5 lakh in the first year
Good to know
- 1 point = ₹0.50 as cash credit
- No annual fee after the ₹5,000 joining fee
- 1.8% foreign currency markup
IndusInd Bank Legend Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Everything else | 1 points per ₹100 | None |
We value one point at ₹0.5 in the usual redemption.
No rewards on: Fuel.
All reward rules
- 1 reward point per ₹100 on weekdays and 2 points per ₹100 on weekends (Saturday and Sunday). We count the weekday rate.
- Medical, automobile and telecom spends earn 1 point per ₹100 on all days.
- 1 reward point = ₹0.50 as cash credit, from 1 March 2024.
- 3,000 bonus points on spending ₹5 lakh within a year of card issue.
- Cash redemption is limited to 5,000 points a calendar month. From 1 April 2025, cash-credit redemption costs ₹149 plus GST each time, needs at least 500 points, and you can redeem the lesser of 50% of your points balance or the monthly limit.
What the IndusInd Bank Legend Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 0.5% | ₹180 |
| Dining and food delivery | ₹2,000 | 0.5% | ₹120 |
| Online shopping | ₹18,000 | 0.5% | ₹1,080 |
| Travel | ₹1,000 | 0.5% | ₹60 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0.5% | ₹120 |
| Everything else | ₹3,000 | 0.5% | ₹180 |
| Total | ₹30,000 | ₹1,740 | |
| Renewal fee with GST | None | ||
| You keep | ₹1,740* |
IndusInd Bank Legend Credit Card annual fee and charges
- Joining fee
- ₹5,000
- Annual fee
- Free
- Foreign currency markup
- 1.8%
IndusInd Bank's terms list a ₹5,000 joining fee and no annual fee. Welcome gifts depend on the fee plan. Fees are before GST.
Fuel surcharge: 1% fuel surcharge waiver at fuel stations across India.
IndusInd Bank Legend Credit Card eligibility
IndusInd Bank's card page does not publish age or income limits. The bank decides when you apply.
The bank alone decides approval and your credit limit.
IndusInd Bank Legend Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
IndusInd Bank discontinued the Legend card's lounge access feature in March 2025.
Is the IndusInd Bank Legend Credit Card right for you?
A lifetime free card, paying a below-average 0.5% on most spends.
Good for you if
- You want a card to keep for years without paying a yearly fee, which also builds a long credit history.
- You pay in foreign currency, abroad or on foreign websites: the markup is 1.8%, against a typical 3.5% on the cards we list.
Not for you if
- You want strong rewards on everyday spending: most spends earn 0.5%.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to IndusInd Bank Legend Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| IndusInd Bank Legend Credit Card | Free | 0.5% | ₹1,620* |
| HSBC Premier Credit Card | Free | 3% | ₹9,720* |
| BOBCARD ETERNA Credit Card | ₹2,499 | 3.75% | ₹7,470* |
If most of your spending looks like the example above, the HSBC Premier Credit Card may suit you better: it would leave you ₹10,440 a year, against ₹1,740 with the IndusInd Bank Legend Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the fee for the IndusInd Legend Credit Card?
IndusInd Bank's terms list a joining fee of ₹5,000 and no annual fee. Fees are before GST.
How much is a Legend reward point worth?
1 point is worth ₹0.50 as cash credit from 1 March 2024. You earn 1 point per ₹100 on weekdays and 2 points per ₹100 on weekends.
Does the Legend card give lounge access?
No. IndusInd Bank discontinued lounge access on the Legend card in March 2025.
What is the forex markup on the Legend card?
1.8% on international spends.
Are there limits on redeeming points?
Cash redemption is limited to 5,000 points a calendar month and to half your balance at a time. Each cash-credit redemption costs ₹149 plus GST from 1 April 2025.