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Key Highlights of the IndusInd Bank Legend Credit Card

Here’s why this premium credit card is an ideal choice:

Joining Fee

Only ₹5000 + GST

Annual Fee

Nil

Suitable for

Accelerated rewards on eligible transactions

Key Feature

Rewards on eligible transactions during weekends. Spend ₹6 lakhs within a year to receive 4,000 bonus reward points that never expire

Welcome Bonus

Luxe gift card, shopping vouchers, complimentary stay at any Oberoi Hotel, and more

Features and Benefits

If you are a frequent traveller and want to upgrade your lifestyle, this card from IndusInd Bank may be the right fit. It offers travel perks as well as accelerated rewards on weekends to help you save Read More as you live life to the fullest.  Read Less

Weekend Bumper Rewards

Get 1 reward point per ₹100 spent on weekdays and enjoy a boost on weekends, where you get 2 points per ₹100

Spending Bonus

When you spend ₹6 Lakhs or more one year after card issuance, you get a bonus of 4,000 points that do not expire

Special Category Rewards

When you spend on categories such as medical, automobile, and telecom, you earn 1 reward point on every ₹100

Everyday Category Rewards

When you spend on utilities, insurance, education, rent, and more you earn 0.70 reward points

1+1 on Movie Tickets

Get a free movie ticket or a discount of ₹200 once a month on BookMyShow

Concierge Services

Get help with travel bookings, reservations, flower deliveries, and more with this premium facility

Fuel Benefits

Get 1% surcharge waiver, up to ₹100 in a month, on all your fuel spends between ₹500 and ₹3,000

Welcome Perks

Get a luxe gift card, shopping vouchers, offers on Postcard Hotels, and a complimentary stay at any Oberoi Hotel

Domestic Airport Lounge Access

Visit airport lounges once a quarter and enjoy all-inclusive benefits, including food and drinks, with your VISA card

Auto Assistance

Get on-the-spot assistance if your vehicle is stranded due to a breakdown, flat tire, or more by calling 24/7 helpline

Card Insurance

In case of loss or theft, get complete protection from fraud with insurance covering all your transactions up to 48 hours before you report it

Foreign Currency Discount

Use your card for foreign currency transactions without hesitation, thanks to a reduced markup of just 1.8%

Travel Insurance

Enjoy coverage of up to ₹1 Lakh under Oriental Insurance Company Ltd for baggage loss and other issues faced during air travel

Air Accident Cover

Get assurance on your air travel with a complimentary personal air accident insurance cover of up to ₹25 Lakhs

Priority Pass

Enjoy VIP treatment at over 600 lounges worldwide at a usage charge of $35 per visit

IndusInd Bank Legend Credit Card’s Rewards Program

Indus Moments, the rewards program of IndusInd Bank, lets you redeem points for over 6,000 products and experiences. This includes travel vouchers, merchandise, clothing, and more. You can combine points with the credit limit of your card to shop from this platform.

 

Here is how the rewards program works:

A. Reward points 

  • You get 1 reward point per ₹100 spent on weekdays, excluding fuel transactions

  • You get 2 reward points per ₹100 spent on weekends, not counting fuel transactions

  • You get 1 reward point on every ₹100 you spend on categories such as medical, automobile & telecom

  • You earn 0.70 reward points when you spend every ₹100 on utilities, insurance, government, education and real estate/rent

 

Here is an example:

Purchase (Monthly)

Amount

Reward Points

Value in ₹

Monthly Grocery Shopping on Tuesdays

₹1,000

10

5

Gym Membership renewed on Sundays

₹2,000

40

20

Mobile Recharge 

₹3,000

30

15

Electricity Bill Payment

₹3,500

24.5

12.25

Disclaimer: The above example is for illustration purposes only. 

B. Redemption process

  • You can redeem your rewards by logging in to your credit card account and accessing the Indus Moments portal. You can choose from a number of brands such as Yatra, JioMart, Zepto, Abhibus, Clovia, Wakefit, and more.

  • You can opt to pay with rewards at select merchant outlets, where you can use your accumulated points plus your Legend Credit Card

  • You can redeem up to 25% of your bill payment amount or 25% of your reward points balance, whichever is lower

  • You can redeem your reward points against InterMiles, which you can use on partner airlines. Here, 100 reward points = 100 InterMiles

  • If you are a Club Vistara member, you can redeem the reward points for CV points, where 1 reward point = 1 CV point

  • For non-cash redemptions (excluding air miles), the cash value is ₹0.75 per reward point

  • You can convert your reward points to cash, with a value of ₹0.50 per reward point

 

A reward redemption fee of ₹100 is applicable on each redemption.

C. Expiration 

All the reward points you earn are valid as long as the card is active. In other words, these points do not expire.

D: Example of Savings

Using the examples taken above, here is a look at what your annual expenses and savings will look like: 

Category

Details

Conversion

Cash Value (₹)

Grocery Shopping on Tuesdays

Assuming spends 

12,000 p.a./ 1,000 p.m.

Reward Points = 120

(12,000/100)

60

Gym Membership renewed on Sundays

Assuming spends 

24,000 p.a./ 2,000 p.m.

Reward Points = 480

2X(24,000/100)

240

Mobile Recharge 

Assuming spends 

36,000 p.a./ 3,000 p.m.

Reward Points = 360

(36,000/100)

180

Electricity Bill Payment

Assuming spends 

42,000 p.a./ 3,500 p.m.

Reward Points = 294

0.70(42,000/100)

147

Total Annual Savings

 

1,254

627

Disclaimer: The above example is for illustration purposes only. The actual rewards and savings may vary based on the policies of the issuer and on the timely payment of credit card dues. Please check with the card issuer before applying. 

 

This example demonstrates that you can earn more reward points on bigger spends. Here, you have earned a total of 1,254 reward points that translate into a cash value of ₹627. This is calculated as 1 reward point = ₹0.50. 

 

If you choose not to convert your reward points into cash and instead redeem them against items in the catalogue, 1 reward point into = ₹0.75. So, the value of 1,254 points = ₹940.50. 

 

On spending ₹30,000 a month, you can accumulate around 450 points.  You can save around ₹26,461 when you add these with the costs related to:

  • Fuel surcharge waiver of ₹2,400

  • Complimentary movie tickets of ₹2,400

  • Priority Pass membership for you and your partner values at ₹16,261

Fees and Charges Associated with the IndusInd Bank Legend Credit Card

Here are the fees applicable to this card based on your usage:

Fee Type

Details

Joining Fee 

₹5,000 

Annual Fee

NIL

Reward Redemption Fee

₹100

Cash Advance Fee

2.50% of the withdrawn amount or ₹300, whichever is higher

Interest Charges

3.95% per month

Minimum Amount Due 

5% of Total Amount Due

Late Payment Fee

Can go up to ₹1,300 based on the outstanding amount

Foreign Transaction Fee

1.80% of the transaction amount

Note: GST of 18% is applicable on all the charges mentioned above.

 

Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

Eligibility and Application Process

Go through the IndusInd Bank Legend Credit Card eligibility criteria to know if you can apply. You must be:

  • An Indian citizen 

  • Between 21 and 65 years

  • Creditworthy, with a good credit score

  • Earning at least 20,000 per month as a salaried or self-employed professional 

Documents Required for IndusInd Bank Legend Credit Card

Here is a basic list of documents you can keep ready before applying online:

  • Address Proof:

    1. Aadhaar Card

    2. Additional residential proof if the address on your Aadhaar Card is different from your current address

  • Identity Proof:

    1. PAN card

  • Income Proof:

    1. 3 months bank statement

    2. Form 16 or audited financials for the last 2 years (if self-employed) 

    3. Salary slips (past 3 months)

Apply Online

To get the IndusInd Bank Legend Credit Card, apply online on Bajaj Markets. Read the steps below to get an idea of how to apply:

  1. Click ‘Check Eligibility’ and fill in the required details, including your profession, date of birth, and mobile number

  2. Enter the One-Time Password (OTP) received on your number

  3. Re-check the prompted details like your PAN number, PIN code, email ID, and income information

  4. Apply for the card that matches your needs from the listed options

  5. Click ‘Submit’ and complete your application

Customer Care

In case of any queries, contact IndusInd Bank's customer care team:

  • Call 18602677777 from within India and 022-42207777 from outside India 

  • Message “Hi” to +91 22 4406 6666 on WhatsApp

  • Email: premium.care@indusind.com

IndusInd Bank Legend Credit Card vs Others

Before choosing the Legend Credit Card, compare it with other cards from the same issuer:

Card Name

Cashback

Complimentary Airport Lounge Access

Fuel Surcharge Waiver

10X Reward Points

Legend Credit Card

Platinum Master Credit Card

Platinum Aura Edge Credit Card

Disclaimer: The benefits mentioned are subject to change as per the policies of IndusInd Bank. Check them before you apply for a specific card.

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.

Frequently Asked Questions

What is the annual fee applicable on the IndusInd Bank Legend Credit Card?

You can use the Legend Credit Card without paying any annual fee. All you need to incur is a one-time joining fee of ₹5,000.

What is the ‘Total Protect’ feature of the IndusInd Bank Legend Credit Card?

‘Total Protect' is a first-of-its-kind programme from IndusInd Bank. It provides insurance coverage for an amount equal to the credit limit on your Legend Credit Card. It protects you from unauthorised transactions arising from theft or loss for up to 48 hours before you report the loss of your card.

Do I get lounge access on the IndusInd Bank Legend Credit Card?

Yes, you are entitled to one free domestic airport lounge visit every calendar quarter. Moreover, you get a complimentary Priority Pass membership.

What is the interest charge on the IndusInd Bank Legend Credit Card?

You will be charged 3.95% interest per month on any outstanding balance you are yet to pay on the Legend Credit Card.

Which hotel do I get a free stay at with the IndusInd Bank Legend Credit Card?

You will receive a gift voucher to stay at any Oberoi Hotel in India as a welcome gift on the Legend Credit Card.

What is the validity of the reward points earned on the Legend Credit Card?

One of the standout features of the IndusInd Bank Rewards Program is that your collected points never expire.

What is the foreign currency markup on the IndusInd Bank Legend Credit Card?

You can enjoy a discounted forex fee of just 1.8% of the transaction amount on the Legend Credit Card.

How many reward points will I earn on rent payments done using my IndusInd Bank Legend Credit Card?

You can earn 0.70 reward points per ₹100 when you pay rent using the Legend Credit Card. This is the same regardless of whether the transaction is done on a weekday or weekend.

How to get the most benefits using the IndusInd Bank Legend Credit Card?

When you use this credit card for all your transactions, you can earn more points. You can also make big-ticket purchases keeping your billing cycle in mind to get the longest interest-free period. Lastly, avoid withdrawing cash to save on additional charges.

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