The IndusInd Bank Legend Credit Card is a premium lifestyle card with a one-time joining fee of ₹9,999 plus taxes. There is no annual or renewal fee. This card targets people who appreciate long-term rewards without ongoing costs. It provides extra reward points on weekend spending. Each month, it also offers a Buy One Get One Free deal on BookMyShow movie tickets. This makes it ideal for those who enjoy entertainment and lifestyle perks.
These features attract frequent shoppers who want to maximize their weekend purchases and moviegoers seeking savings on entertainment. Recent updates, including changes to lounge access, ensure the card meets the needs of users looking for rewards, entertainment, and lifestyle benefits. In this review, we’ll look at the benefits, fees, eligibility, and overall value of the IndusInd Bank Legend Credit Card in 2025.
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IndusInd Bank Legend Credit Card Benefits
The IndusInd Bank Legend Credit Card offers benefits that reward customers who spend a lot. This card, also called the IndusInd Signature Legend Credit Card, provides a combination of reward points, milestone bonuses, and special perks that make it unique compared to other IndusInd Bank credit cards.
Welcome benefits
The IndusInd Bank Legend Credit Card gives new cardholders rewards as soon as they activate their card. After activation and making the first eligible transaction, users earn 5,000 welcome reward points. These points can be exchanged for cashbacks, gift vouchers, or merchandise, providing immediate value. In addition to the reward points, cardholders receive a luxury activation gift, which can include items or vouchers from premium brands, making the onboarding experience feel special. For full details, the IndusInd Bank Legend Credit Card benefits PDF outlines all welcome perks, terms for redemption, and applicable conditions. This ensures new users understand the introductory benefits available to them.
Lounge Access on IndusInd Bank Legend Credit Card
The IndusInd Bank Legend Credit Card used to provide complimentary access to select airport lounges across India. This allowed cardholders to enjoy a comfortable space before their flights. This benefit was a key feature for frequent travelers who appreciated the convenience and extra perks during their trips. However, as of March 7, 2025, the lounge access feature is officially discontinued. With this change, the card now emphasizes its rewards program, welcome benefits, and other lifestyle perks. Prospective applicants and current cardholders should keep this update in mind when assessing the card’s overall value to ensure they make an informed choice based on their travel and spending needs.
Reward Points on IndusInd Bank Legend Credit Card
The IndusInd Bank Legend Credit Card features a clear rewards program that offers real value for both regular and high-spending cardholders. Cardholders earn 2 reward points for every ₹100 spent on weekends and 1 reward point for every ₹100 spent on weekdays. This setup makes weekend leisure and lifestyle spending especially rewarding.
In addition to regular points, the card offers a bonus of 4,000 reward points when a cardholder’s annual spending reaches ₹6 lakh or more. These points are automatically credited and can be redeemed for cashback, merchandise, or air miles. This provides flexibility and real value. By merging everyday reward points with milestone bonuses, the IndusInd Bank Legend Credit Card creates a straightforward rewards program that appeals to frequent spenders looking to maximize benefits from both regular and milestone purchases.
Entertainment Benefits of IndusInd Bank Legend Credit Card
The IndusInd Bank Legend Credit Card gives cardholders a Buy One Get One Free (BOGO) movie ticket deal on BookMyShow bookings. This benefit lets users enjoy a free movie ticket when they buy one, which is a great perk for movie lovers. However, it’s important to remember that the free ticket is limited to ₹200. If the second ticket costs more than this, the cardholder must pay the extra amount using their IndusInd Bank Legend Credit Card. This offer can be used once each calendar month, providing ongoing value for regular moviegoers.
Other Benefits of IndusInd Bank Legend Credit Card
- Fuel Surcharge Waiver: Cardholders receive a 1% waiver on fuel surcharge at fuel stations across India. This benefit may seem small for each transaction, but it can lead to significant savings for those who buy fuel often. It shows the card’s practical value for everyday expenses.
- Personal Air Accident Insurance: The card provides coverage up to ₹25 lakh during air travel. This insurance offers financial protection in unexpected situations, emphasizing the card’s benefits beyond rewards and lifestyle perks.
- Foreign Currency Markup: With a 1.8% fee on international transactions, the card offers a budget-friendly option for overseas spending compared to the typical 3–3.5% markup on other premium cards. This makes it a dependable choice for travelers who regularly make purchases abroad.
Reward Points Redemption on IndusInd Bank Legend Credit Card
The IndusInd Bank Legend Credit Card lets cardholders redeem reward points in various ways, helping them get the most value from their points. They can choose from IndusMoments, Pay with Rewards, Airline Miles on KrisFlyer, Maharaja Points for Maharaja Club, or cash credit, based on their preferences. Each option serves different lifestyle and travel needs, giving cardholders flexibility in how they use their points for shopping, travel, or direct account credit.
Please note that redemption for Club Vistara Airmiles with IndusInd Bank Credit Cards will end on 31st October 2024. Additionally, redemption for InterMiles will stop on 21st January 2025. Cardholders should review available redemption options and pick those that meet their needs before these changes occur. By offering multiple ways to redeem points, the IndusInd Bank Legend Credit Card ensures transparency, convenience, and usefulness for frequent users.
Fees and Charges, IndusInd Legend Credit Card
The IndusInd Legend Credit Card has a different approach compared to many premium cards. It has a one-time joining fee of ₹9,999 plus GST. However, it does not have an annual or renewal fee, making it effectively free for life. Another unique benefit is that it does not charge any cash advance fee, which is rare in India. Additionally, the foreign currency markup is only 1.8%, much lower than the industry average of 3 to 3.5%. This makes it very appealing for international travelers. On the downside, the card has high finance charges of about 3.83% per month, which adds up to 46% annually. This means carrying a balance can quickly become costly.
IndusInd Legend vs HDFC Infinia vs SBI Elite
The IndusInd Legend Credit Card has a one-time joining fee and a lifetime free option. It offers a low forex markup of 1.8% and no cash advance fee. However, it lacks premium lifestyle features like airport lounge access. On the other hand, the HDFC Infinia is a true luxury card. It provides unlimited lounge access worldwide, accelerated rewards on SmartBuy, and premium concierge services. Its annual fee is high at ₹12,500. The SBI Elite is a middle option. It gives good lifestyle perks, such as free movie tickets and milestone bonuses, with a moderate annual fee that can be waived for high spending. However, it doesn’t offer the luxury travel benefits of the Infinia or the unique fee structure of the Legend.
IndusInd Bank Legend Credit Card Review
The IndusInd Legend Credit Card is a premium lifestyle product with a fee structure that stands out from most others on the market. Instead of annual fees, the bank charges a one-time joining fee of ₹9,999 plus GST. After that, the card is free for life. This approach may appeal to customers who dislike yearly renewals. However, when examining the benefits, the card seems quite average in terms of overall value.
The biggest drawback of this card is the lack of airport lounge access, both domestic and international. This is surprising for a premium credit card, especially since it is marketed with travel-friendly features like a reduced forex markup of 1.8%. For international travelers, lounge access is often a critical benefit, and without it, the value of the lower forex fee is greatly reduced.
In terms of rewards, the Legend Card offers 1 reward point for every ₹100 spent on weekdays and 2 reward points for every ₹100 on weekends, with bonus rewards for higher spending. While this structure is straightforward, the overall reward rate is average and does not stand out compared to true premium cards. Entertainment perks like Buy One Get One on BookMyShow tickets provide some lifestyle benefits, but they are similar to what many other mid-tier cards offer.
When compared to competitors, the SBI Card Elite offers a better balance for customers with moderate international travel needs. It combines domestic and international lounge access with lifestyle perks like free movie tickets and milestone bonuses. For frequent travelers seeking top-tier benefits, the HDFC Infinia Credit Card is unmatched. It provides unlimited lounge access worldwide, luxury concierge services, and enhanced reward structures.
Overall, the IndusInd Legend Credit Card is distinctive due to its one-time fee setup and waived cash advance fee, but it falls short in delivering value where it matters most to premium cardholders. The absence of lounge access and an average rewards program make it less competitive in today’s premium credit card landscape. For users seeking strong international travel benefits, alternatives like the SBI Elite or HDFC Infinia are more appealing options.
Frequently Asked Questions
What are the benefits of the IndusInd Legend Credit Card?
The IndusInd Legend Credit Card has a straightforward rewards structure. Cardholders earn 1 reward point for every ₹100 spent on weekdays and 2 reward points for every ₹100 spent on weekends. It also offers milestone bonuses, entertainment perks like BookMyShow BOGO deals, and a lower foreign currency markup of 1.8%. Plus, there is no cash advance fee, which is uncommon in the Indian credit card market.
Does the IndusInd Legend Credit Card provide lounge access?
No, the IndusInd Legend Credit Card does not include complimentary airport lounge access, whether domestic or international. This is a significant drawback of the card, especially for travelers who usually expect lounge benefits with premium credit cards.
What is the annual and joining fee for the IndusInd Legend Credit Card?
The card has a one-time joining fee of ₹9,999 plus GST. After that, there is no annual or renewal fee, making it free for life after the initial payment.
How do reward points work on the IndusInd Legend Credit Card?
Cardholders earn 1 reward point for every ₹100 spent on weekdays and 2 reward points for every ₹100 spent on weekends. A milestone bonus of 4,000 reward points is given for annual spending of ₹6 lakh. The reward rate is modest compared to other premium cards, but options for redemption include flights, hotels, and merchandise.
Is there a PDF available for IndusInd Legend Credit Card benefits?
Yes, IndusInd Bank offers an official PDF that explains all the benefits, fees, and charges of the Legend Credit Card. You can download it directly from the bank’s official website for reference.
Is the IndusInd Legend Credit Card worth it?
The card may fit users looking for a lifetime-free structure with low foreign exchange charges and entertainment perks. However, it does not offer airport lounge access and has only average reward rates. For international travelers, alternatives like SBI Elite for moderate travel needs or HDFC Infinia for heavy travel needs provide much better overall value.
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