IndusInd Bank is a leading private sector bank in India and offers a wide range of Credit Cards, IndusInd Bank Legend Credit Card is one of them. It is a premium Credit Card designed for high-net-worth consumers who want a premium lifestyle with value-added benefits. The card offers unique features and benefits such as complimentary airport lounge access, concierge service, exclusive dining, golf privileges, and hotel offers.
In addition, the card offers reward points on every payment, making it a great choice for those who want to earn rewards while enjoying luxury privileges. With its attractive features, the IndusInd Bank Legend Credit Card is a popular choice for those who want to live a premium lifestyle with unique benefits and rewards. It helps users enjoy a luxurious life with offers of a host of great gifts. The long-term goal of this bank in providing facilities to its customers is to establish a strong bond between the customer and the bank.
Customers can get this Credit Card with no annual fee. It is a lifetime free Credit Card that offers access to 600+ domestic and international airport lounges across the globe, movies, travel benefits, personal concierge services, reward points with 4,000 bonus reward points on achieving the annual milestone spend, dining benefits, insurance benefits, fuel surcharge waiver, the benefit of discounted foreign currency mark-up & more. Users can avail a good redemption value by transferring reward points to air miles.
Key Highlights of IndusInd Bank Legend Credit Card
| Key Highlights | Joining Fee | ₹ 5,000 or Nil in some cases |
| Annual/Renewal Fee | Nil | |
| Best suited for | Travel, shopping, reward points | |
| Fuel surcharge | 1% fuel surcharge waiver | |
| Milestone bonus | You earn 4000 bonus reward points for spending ₹6 lakh or more in a calendar year | |
| Card Fee Type | Lifetime free Credit Card | |
| Weekend spends | 2 reward points for every ₹100 spent on weekends | |
| Foreign Currency Mark up | 1.8% on foreign currency transactions |
Features & Benefits of IndusInd Bank Legend Credit Card
With its unique features and exclusive benefits, it’s more than just a piece of plastic—it’s a gateway to a world of luxury and convenience. Let’s explore the features and benefits of IndusInd Bank Legend Credit Card. They offer convenience, security, and a host of privileges that make user’s lives easier-
| Features/Benefits | Details |
| Welcome Benefits | Oberoi Hotels: Enjoy best-in-class luxury and indulge your senses at the Oberoi Hotel Chain. Enjoy a complimentary stay at your favorite Oberoi Hotel in the country. ( For reservations, please contact Oberoi Central Reservations Toll Free: 1800-108-0606, Telephone: +91-11-6911-0606 ) Montblanc: Experience Montblanc, a brand that epitomizes excellence of craftsmanship and quality. One can choose from the finest collection of watches, stationery, jewelry, leather goods, and eyewear from one of the world’s most premium brands. Vouchagram Premium: With the IndusInd Bank Legend Credit Card you can enjoy various discount vouchers from several brands like Pantaloons, Bata, Raymond, Hush Puppies & more. Luxe Gift Card: Get access to 30+ global luxury and premium brands across 360+ stores in 30 cities in India. Post Card: Enjoy a collection of intimate luxury hotels across India & blend luxury with simplicity and live the life you always wanted. For reservations, please contact Phone: +91 7999555222 or Email : sales@postcardresorts.com |
| Entertainment Benefits | As an IndusInd Bank Legend Credit Card holder, enjoy- Buy one movie ticket and get another free, Up to 3 free movie tickets are given in a month, an additional ₹50 discount on choosing the F&B option. This offer is valid across all theatres registered with BookMyShow in all major cities. The price of the free ticket is capped at ₹200 (If the price is higher, you will get a discount of ₹200 & the remaining amount must be paid using your IndusInd Bank Legend Credit Card) |
| Travel Benefits | Priority Pass Program: Besides a host of amazing travel offers, you can now enjoy access to over 600 lounges across the globe using our complimentary Priority Pass. Travel Plus Program: With the Travel Plus Program, you also enjoy special waivers on lounge usage on charges paid outside India. Travel Insurance: IndusInd Bank has tied up with The Oriental Insurance Company Ltd. as a group manager to provide the following insurance coverage to cardholders under the program: Insurance Coverage Sum Assured (Up To) Lost baggage ₹ 1,00,000, Loss of passport ₹ 50,000, Lost ticket ₹ 25,000, Delayed baggage ₹ 25,000, Missed connection ₹ 25,000. Foreign Currency Mark-Up: Enjoy a 1.8% discounted foreign currency mark-up fee on your international transactions. |
| Concierge Benefits | IndusInd Bank Legend Credit Card offers a team of highly skilled professionals, available from any corner of the world, to assist customers with flight bookings, hotel reservations, sports & entertainment booking, exclusive booking, and any kind of assistance required such as weather, destination, landmarks, mode of transport, flowers & gifts related management, recommendations, etc. |
| Auto Assist Benefits | With the IndusInd Bank Legend Credit Card, customers can avail of the Auto Assist facility that will provide on-the-spot assistance and resolve issues. All you need to do is give the bank a call. They provide 24X7 assistance throughout the year. Auto Assist offers the following services: Vehicle breaks down due to any reason, flat tire services (puncture tires), lost keys, battery services, emergency fuel services, emergency towing assistance, any medical assistance, accidental management, etc. |
| Contactless Card | The IndusInd Bank Legend Credit Card is a convenient chip-based contactless credit card. The contactless feature enables users to make fast, convenient, and secure transactions for their everyday purchases, by simply tapping their credit card at merchant locations where standard card payments are accepted. Users can Shop at over 10,00,000 stores in India and 30 million stores worldwide that accept card payments. |
| Dining Benefits | The card offers a joining bonus of 2000 points at EazyDiner at premium restaurants and bars, users can get up to 50% instant discount, complimentary cake on a birthday/anniversary at select restaurants & can enjoy 50% off when they take away a birthday or anniversary cake. |
| Reward Benefits | Earn big on each spend using this credit card: Weekday spends; ₹ 100 spent = 1 reward point, Weekend spends; ₹ 100 spent = 2 reward points Note- User transactions will be classified as weekday/weekend as per the transaction date & will reflect in their credit card account accordingly. |
| Milestone Benefit | Users will enjoy 4,000 Bonus Reward Points when they spend ₹ 6,00,000 or more within one year from the date of issuance of your credit card |
| Assurance Benefits | Air Accident Cover: Users can get complimentary personal air accident insurance cover of up to ₹ 25,00,000 with the IndusInd Bank Legend Credit Card ‘Total Protect’- a first-of-its-kind program that covers for an amount equal to the card’s credit limit and is also available on add-on cards. ‘Total Protect’ covers users for the following: Unauthorized Transactions In Case Of Card Loss/Stolen: The bank will provide insurance coverage up to 48 hours before you report your card lost Counterfeit Fraud: There is a possibility of card or card details being stolen and misused to make a fake card. The bank will provide insurance to protect user from such incidents. |
| Fuel Surcharge Waiver | You will get 1% fuel surcharge at any fuel station all over India |
| Domestic Lounge Access | 1 free domestic airport lounge access every quarter (4 each year) |
| Financial Flexibility | This credit card is not just loaded with features; it is also about financial flexibility. This credit card offers an interest-free period or grace period of 50 days, allowing users to make purchases and pay later without interest charges |
| Security & Control | IndusInd Bank takes the security of its customers seriously. This credit card is lashed with advanced security features, including an EMV chip that strengthens protection against fraud. Users can also set spending limits and receive real-time transaction alerts, helping them stay in control of their finances |
| Card Network | VISA |
Reward Points Redemption
With IndusInd Legend Credit Card, the reward points earned can be redeemed in the following ways:
Click here to apply for IndusInd Legend card
- Reward points can be redeemed at the rate of 100 RPs = 100 Inter Miles; to convert them into Inter Miles, one must have at least 500 reward points
- The IndusInd Legend Credit Card allows its customers to redeem a maximum of 5,000 reward points for cash credit per statement cycle
- Pay off the outstanding balance on your card by converting reward points into cash credit. 1 reward point = ₹0.50 cash value
- The rewards can also be redeemed against Club Vistara Points @ 100 RPs = 100 CV Points
- The value of non-cash redemption (excluding airmiles) will be 1RP = ₹ 0.75
- You can also redeem the reward points earned on your Credit Card by purchasing various products, gift vouchers, etc. through “IndusMoments” portal.
Fees & charges on IndusInd Bank Legend Credit Card
The following are the charges associated with using this Credit Card:
| Types Of Charges | Amounts |
| Joining Fee | ₹ 5,000 |
| Annual Fee | Nil |
| Add-On Card Fee | Nil |
| Finance Charges/ Interest Rate | 3.95 % per month 47.40 % per annum |
| Late Payment Fee | For statement balance: Charges balance b/w Nil up to ₹100 ₹100 b/w ₹ 101 – ₹ 500 ₹350 b/w ₹ 501 – ₹ 1,000 ₹550 b/w ₹ 1,001 – ₹10,000 |
| Over Limit Chaeges | 2.5% of over limit amount sub. to min. of ₹ 500 |
| Foreign Currency Mark-Up | 1.8% on foreign currency transactions |
| Cash Advance Charges | Waived off |
| Returned Cheque Fee | ₹ 250 |
| Balance Enquiry Charge | ₹ 25 |
Eligibility Criteria for the IndusInd Legend Credit Card
To fulfill eligibility criteria for IndusInd Bank Legend Credit Card, the applicant must have the following requirements:
| Criteria Details | |
| Age | 18-65 Years |
| Occupation | Salaried/Self-employed |
| Min. Income Required | ₹ 20,000/month |
| Nationality | Indian |
| Credit Score | A good CIBIL score with no history as a defaulter |
Documents Required for IndusInd Legend Credit Card
Applicants will be required to submit proof of identity, address and income along with a duly filled application form for IndusInd Legend Credit Card. Given below is the list of acceptable documents:
FAQs
What are the fees applicable on the Legend Credit Card?
Joining fee is nil and Interest charges are applicable if the total due amount is not paid by the due date and late payment charges are levied if the minimum amount due is not paid by the due date.
Do Reward Points expire on the IndusInd bank Legend Credit Card?
All reward points earned on Legend Credit Card are live till the credit card account is live, so the users don’t need to worry about the expiry of their reward points.
Does this Legend credit card offer a fuel surcharge waiver?
Yes, Users can avail of a fuel surcharge waiver of 1% at petrol pumps all over India. However, this is applicable only on transactions b/w ₹ 500 to ₹ 3,000 and is capped at Rs. 100 per month.
What do I do next if I lose my Credit Card?
In such cases, the user can call IndusInd Bank customer care support (1860 267 7777 ) so the bank executives can get their credit card blocked without any delay. Users can also block your credit card through the IndusInd net portal (IndusNet) or mobile app.
Can I withdraw cash from the IndusInd Bank Legend Credit Card?
Yes, you can make cash withdrawals through this card. Except there will be withdrawal charges levied over cash withdrawal with the credit card.
How can I redeem the reward points earned?
Reward points can be redeemed by cardholders for a variety of benefits such as credit card payments, vouchers, air miles, cashback on future purchases, etc.
Is the Legend credit card a lifetime free card?
This card has only a joining fee (exempted in some cases), therefore a one-time payment. Apart from that, the card does not charge you an annual fee. Therefore, it is a free card.
Is the foreign currency mark-up for the Legend Credit Card different from other credit cards of same bank?
Yes, while the foreign currency markup for other IndusInd Bank credit cards is at 3.5%, for the Legend Credit Card, the markup is at 1.8% on foreign currency transactions (lower compared to other cards)
What is the interest-free period for the IndusInd Legend Credit Card?
The interest-free period for the Legend Credit Card is up to 50 days. However, the interest-free period will not be given if the total amount due is not paid on time.
How can I maximize the benefits of my Legend Credit Card?
> Use credit cards often and preferably for all your purchases, where reward points are given. It will give users more opportunities to earn reward points that can be redeemed later.
> Make the best use of the interest-free period on your credit card for big-ticket purchases.
> Make use of the numerous perks offered on your credit card
> Do not use your credit card to withdraw money to save on cash withdrawal charges.
> Pay all dues on time.
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