By: OurMoneyGuide || Last updated on: April 16, 2024

IndusInd Legend Credit Card is a popular card from IndusInd Bank. There are no annual fee charges on the card from the 2nd year onwards. The card also offers lifestyle benefits such as complimentary airport lounge access and movie benefits.


Pros & Cons of IndusInd Legend Credit Card

Pros

  • No annual fee after the 1st year
  • Lifestyle benefits including complimentary airport lounge access, emergency roadside assistance, 24X7 concierge services

Cons

  • Comparatively low reward rate on card spends

Features & Benefits of the IndusInd Legend Credit Card

On weekend card spends : 1% cashback OR 2% reward (in terms of Club Vistara Points/InterMiles)

You get 2 rewards points (worth ₹1 as cashback OR 2 Club Vistara Points/2 InterMiles), on every ₹100 you spend on weekends with your card

1 rewards point = ₹0.50 or 50 paise, and can be redeemed for cashback. You can also convert your reward points to Vistara and InterMiles, 1 reward point = 1 Club Vistara Point / 1 InterMile.

Exceptions : You get 0.70 reward points on every ₹100 spent on the following card spends – utility bill payments, insurance premium payments, government services/charges/payments, education institute fees, and real estate/rental payments.

On weekday card spends : 0.50% cashback || 1% reward (in terms of Club Vistara Points/InterMiles)

You get 1 rewards point (worth ₹0.50 as cashback OR 1 Club Vistara Point/1 InterMile), on every ₹100 you spend on weekdays with your card

1 rewards point = ₹0.50 or 50 paise, and can be redeemed for cashback. You can also convert your reward points to Vistara and InterMiles, 1 reward point = 1 Club Vistara Point / 1 InterMile.

Exceptions : You get 0.70 reward points on every ₹100 spent on the following card spends – utility bill payments, insurance premium payments, government services/charges/payments, education institute fees, and real estate/rental payments.

Additional benefit, at ₹6 lakhs annual card spend (milestone benefit)

You get 4000 rewards points (worth ₹2000 as cashback OR 4000 Club Vistara Points/4000 InterMiles), at ₹6 lakhs yearly card spend.

Like stated before, 1 rewards point = ₹0.50 or 50 paise, and can be redeemed for cashback. You can also convert your reward points to Vistara and InterMiles, 1 reward point = 1 Club Vistara Point / 1 InterMile.

Complimentary access to airport lounges in India – 1 per quarter

You get free access to airport lounges in India, once per quarter.

This program is brought to you in partnership with Mastercard and Visa.

Free Priority Pass membership worth USD 100 (for international airport lounge access)

Usage of international lounges is chargeable at USD 32 per visit. This program is brought to you through Priority Pass, one of the leading provider of these services. Please visit https://www.prioritypass.com/en/airport-lounges to find list of lounges available with Priority Pass.

If you are a regular user of international airport lounges, you could enrol for IndusInd Travel Plus program for ₹5000 per year. Under Travel Plus program you get 8 free lounge visits per year.

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹200 per month

When you buy one ticket, you get up to ₹200 off on the second ticket, only at BookMyShow cinema partners.

This offer can be availed maximum once per month.

24/7 emergency roadside assistance (Legend Auto Assist)

Services include on-the-spot mechanical/electrical repairs, emergency fuel supply, flat tire service, lost keys assistance, battery service, emergency towing, and accident management.

24/7 concierge services (Legend Concierge Services)

This provides services such as global trip assistance, including pre-trip guidance, hotel and flight bookings, sports and entertainment ticket reservations, exclusive event bookings, and worldwide delivery of flowers and gifts.

Complimentary insurance benefits

You get a complimentary air accident insurance of ₹25 lakhs.

You get a complimentary ‘Total Protect’ cover. This covers your card and add-on cards for unauthorised transactions and counterfeit fraud, till the credit limit of your credit card. You need to report loss of card to the bank within 48 hours of losing your card.

You also get complimentary travel insurance covers-
– Lost baggage cover of ₹1 lakh
– Delayed baggage cover of ₹25000
– Loss of passport cover of ₹50000
– Lost ticket cover of ₹25000
– Missed connection cover of ₹25000

Low fee of 1.80% on international transactions

Most cards in the industry charge 3% fee on international transactions.

Fuel surcharge waiver, upto ₹2400 per year

You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4000. This is applicable only on fuel purchases upto ₹2.40 lakhs per year, since the waiver amount is restricted to ₹2400 per year.

Some fuel pumps may charge more than 1% surcharge, the yearly waiver would still be capped at ₹2400 in all cases

24/7 IndusInd customer support 

You can reach IndusInd Bank 24 hours a day, please click here for all the options to contact the bank. 

It is recommended to call the bank from your registered mobile number, this will ensure you are instantly connected to a phone banking officer.

IndusInd Legend Credit Card Fees and Charges

Annual fee


Annual feeAnnual fee offers
1st year joining fee₹999Welcome Offers : Various vouchers like Oberoi, Postcard Hotels, Montblanc.
Renewal fee from 2nd year onwards₹0

Interest rate – 3.95% per month

To view all fees and charges, please click here – IndusInd Credit Cards Fees & Charges

Eligibility Criteria

Minimum age21 years
Maximum age65 years
OccupationSalaried or self-employed
Minimum income requirementsNot specified
Credit scoreNot specified, preferably above 750

Application Process

Online application process
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the IndusInd Bank website.

You can also visit official website of the bank and fill out the application form. The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.

Steps :
– To apply, simply provide your personal details, such as your PAN number, mobile phone number, income & emplyment details, , address, along with the other requirements asked for
– Submit the application
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.

Documents required

Required documents
– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Address proof : electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement
– Income proof : latest salary slip/s, income tax return etc

Additional documents maybe required on a case-to-case basis.