IndusInd Bank Legend Credit Card Review

IndusInd Bank Legend Credit Card: A Comprehensive Review of Rewards and Benefits

Fees and Charges

IndusInd Bank is now offering the Legend Credit Card with a Lifetime Free (LTF) feature. By applying through this link, you can enjoy joining and annual fees waived.

Joining Fee: NIL – LTF Offer

Welcome Benefit: None

Annual Fee: NIL

IndusInd Bank Legend Credit Card Review: Fees and Charges


Weekday Spends10.75%
Weekend Spends21.5%
Fuel SpendsNILNIL
Medical, Automobiles & Telecom10.75%
Utility Bills, Insurance, Government Services, Education, Rent & Real Estate0.70.53%

Milestone Rewards

Earn 4000 Reward Points upon spending Rs 6 Lakhs in a year. This represents an additional benefit of 0.6% for crossing the Rs 6 Lakhs spending milestone. Compared to the IndusInd Pinnacle Credit Card, which offers a 2% reward rate, the Legend Credit Card’s 2.5% reward rate for weekend spending is more favorable. However, it should be noted that major spending categories such as bill payments and insurance only yield a return of 0.53%. Excluding these categories, it becomes challenging to reach the Rs 6 Lakhs spending threshold on this card. As a result, there are better cashback and rewards credit cards available in the market.

Rewards Redemption

Each reward point on the IndusInd Bank Legend Credit Card is equivalent to 75 paise for a statement credit. Furthermore, reward points can be transferred to Vistara and InterMiles at a 1:1 ratio.

Redemption options include: E-Vouchers and products on IndusMoments Airmiles transfer to InterMiles/Vistara Cash Credit: Maximum of 25,000 RP per statement

Opting for a statement credit using the accumulated reward points is a better choice compared to other options. It’s worth noting that the value of cash credit used to be 1 RP = Rs 1, but it was devalued by IndusInd Bank at a later date.

Movie and Dining Offers on the IndusInd Bank Legend Credit Card

With the Legend Credit Card, you receive a complimentary EazyDiner Prime membership for the first year. This membership, which is worth Rs 2495, comes with payment offers. It is an excellent benefit for an LTF credit card as the Prime membership provides additional advantages at select restaurants and bars.

Another notable benefit is the BookMyShow offer. Cardholders can enjoy a Buy One Get One deal on movie tickets, with the discount for the second ticket capped at Rs 200. This offer can be availed once per month.

Complimentary Airport Lounge Access

Airport Lounge Access in India: Enjoy 2 complimentary lounge visits per quarter with Visa/Mastercard.

Airport Lounge Access outside India: Currently not available. However, a Priority Pass membership is provided, although it does not include complimentary lounge visits.

Key Benefits and Charges

Foreign Currency Markup: 1.8%+GST ~ 2.1%

Fuel Surcharge Waiver: Up to 2.5% fuel surcharge waiver

Golf Lesson: 1 lesson per month

Golf Game: 1 game per month

24*7 Concierge

24*7 Auto Assist

Insurance & Concierge Benefits

The Legend Credit Card offers various insurance and concierge benefits:

Travel Insurance: The card provides personal air accident insurance cover of Rs. 25 Lakh.

Total Protect: With ‘Total Protect,’ you can be covered for up to the credit limit on your card for unauthorized transactions in case of loss/theft, even 48 hours before reporting it to IndusInd Bank.

Concierge Services: Cardholders can access extensive concierge services, including pre-trip assistance, hotel reservation, flight ticket booking, sports and entertainment bookings, and exclusive bookings for special events such as workshops or seminars. Additionally, assistance is available for flower and gift delivery worldwide.

The Legend Credit Card also offers the ‘Auto Assist’ facility, which provides help in case of emergencies. Services include roadside repair, emergency fuel supply, flat tire service, lost keys, battery service, and emergency towing.

While many premium credit cards offer concierge services for travel, the IndusInd Legend Credit Card goes a step further by offering assistance across multiple categories. The ‘pre-trip assistance’ feature ensures you receive assistance not only during your travels but also before them. Moreover, the concierge service extends to general categories like entertainment, gifting, and auto-assistance. Unlike other cards that claim to offer ‘concierge service,’ the Legend Credit Card provides ’round-the-clock’ real assistance.

Should you apply for the IndusInd Bank Legend Credit Card?

The IndusInd Bank Legend Credit Card is a super-premium credit card that offers reward points on every purchase. Additionally, it provides exclusive Priority Pass Membership and golf visits every year. With a decent reward rate and spend-based bonuses, it is an excellent choice for individuals seeking a premium credit card without a high annual fee. However, the main drawback is that you can earn the maximum rewards rate only on weekends. Therefore, it is a suitable option if most of your credit card purchases are made on weekends.

Final Thoughts

When it comes to rewards, IndusInd Bank’s credit card offerings are not among the best available. There are many better options if you are looking for cashback. However, there may still be a use for obtaining the IndusInd Legend card, depending on your specific requirements.

The Legend Credit Card is now being offered as Lifetime Free (LTF). With an LTF tag, you can enjoy a 1-year EazyDiner membership along with three Buy One Get One (BOGO) offers on BookMyShow per calendar month. Furthermore, the card provides domestic airport lounge access, making it a valuable offering even today. Additionally, by obtaining the Legend Credit Card, you can take advantage of 10% instant discount offers on Amazon or Flipkart.


Q: What should I do if I lose my credit card?

A: In case of a lost credit card, immediately contact the IndusInd Bank customer care executives to have your card blocked. Alternatively, you can block your credit card through the IndusInd net portal (IndusNet) or mobile app.

Q: How can I contact the customer care of IndusInd Bank?

A: For credit card-related issues, you can contact the customer care of IndusInd Bank at 1860 267 7777.

Q: Who can apply for this credit card?

A: Indian citizens who are over 18 years of age but below 65 years of age and have a clean credit history are eligible to apply for this credit card.

Q: Does the IndusInd Bank Legend Credit Card offer lounge access?

A: Yes, customers can avail themselves of free Priority Pass membership and one free visit per quarter with this credit card. Additionally, this card also provides Travel Plus membership along with eight free visits.

Q: Does this credit card offer a fuel surcharge waiver?

A: Yes, you can avail a fuel surcharge waiver of 1% at all petrol pumps. However, this is applicable only on transactions between Rs. 400 to Rs. 4,000.

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