IndusInd Bank Legend Credit Card Review 2024 Apply

When it comes to credit cards, the IndusInd Bank Legend credit card stands out as a compelling choice. Launched in 2018, this mid-segment offering has garnered attention for its impressive rewards and benefits. In this comprehensive review, we’ll delve into the details of the IndusInd Bank Legend credit card, exploring its fees and charges, rewards program, milestone perks, redemption options, and much more.

Article Index

Fees and Charges: Zero Hassle

IndusInd Bank has made owning the Legend credit card even more enticing by offering it as a Lifetime Free (LTF) card. As a cardholder, you can bid farewell to joining and annual fees. This move aligns with the bank’s commitment to providing accessible and rewarding credit solutions.

Joining Fee: Zero (LTF Offer)

Welcome Benefit: None

Annual Fee: Zero

Rewards Program: Elevate Your Earnings

One of the standout features of the IndusInd Bank Legend credit card is its lucrative rewards program. Cardholders can earn reward points on various spending categories, enabling them to maximize their benefits.

Weekday Spends: 1 Reward Point per Rs 100 (0.75% return)

Weekend Spends: 2 Reward Points per Rs 100 (1.5% return)

Fuel Spends: Nil

Medical, Automobiles & Telecom: 1 Reward Point per Rs 100 (0.75% return)

Utility Bills, Insurance, Government Services, Education, Rent & Real Estate: 0.7 Reward Points per Rs 100 (0.53% return)

Milestone Rewards: Surpassing Expectations

For the high spenders, the IndusInd Bank Legend credit card offers an enticing milestone reward. By spending Rs 6 Lakhs in a year, cardholders can earn 4000 Reward Points, translating to a 0.6% extra benefit. This milestone benefit surpasses that of the IndusInd Pinnacle credit card, which offers 2% on weekend spending. However, it’s essential to note that certain categories like bill payments and insurance yield a lower return of just 0.53%. As a result, reaching the Rs 6 Lakhs spend threshold might be challenging for some, given the competition from other cashback and rewards credit cards available in the market.

Rewards Redemption: Flexible and Rewarding

The IndusInd Bank Legend credit card offers versatile redemption options, ensuring that cardholders can make the most of their accumulated reward points.

Statement Credit: Each reward point is equivalent to 75 paise, making it a viable option for reducing your credit card bills.

Airline Transfers: Cardholders can transfer their reward points to Vistara and InterMiles at a 1:1 ratio, opening up opportunities for travel enthusiasts.

E-Vouchers and Products: Explore the offerings on IndusMoments, where you can exchange your reward points for a wide range of products and experiences.

Cash Credit: While this option was once attractive at a rate of 1 RP = Rs 1, it has been devalued by IndusInd Bank.

BookMyShow Offer: A Cinematic Delight

The IndusInd Bank Legend credit card sweetens the deal with a fantastic BookMyShow offer. Cardholders can enjoy a Buy One Get One deal on movie tickets. The discount for the second ticket is capped at Rs 200 and can be availed once per month, adding a touch of cinematic magic to your weekends.

Complimentary Airport Lounge Access: Travel in Style

Travelers will appreciate the complimentary airport lounge access that comes with the IndusInd Bank Legend credit card. While you get 2 complimentary lounge visits per quarter within India using Visa/Mastercard, it’s worth noting that there is no complimentary lounge access outside India. However, cardholders receive a Priority Pass membership, which, although doesn’t include free lounge visits, can enhance your overall travel experience.

Key Benefits and Charges: A Glimpse

Here are some additional benefits and charges associated with the IndusInd Bank Legend credit card:

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

Final Thoughts: Is It Worth It?

In the competitive world of credit cards, the IndusInd Bank Legend credit card may not be the absolute best when it comes to rewards. There are indeed more lucrative cashback options available. However, the card’s transformation into a Lifetime Free (LTF) offering, coupled with perks like BOGO on BookMyShow and domestic airport lounge access, still make it an appealing choice for certain individuals. Additionally, it can unlock 10% instant discounts on popular platforms like Amazon and Flipkart, further enhancing its value proposition.


Do we get EazyDiner Prime membership with the IndusInd Bank Legend credit card?

No, the offer for EazyDiner Prime membership is no longer available with the IndusInd Legend credit card.

Does the IndusInd Legend credit card offer rewards on fuel?

Unfortunately, no reward points are earned on fuel transactions. However, the card does provide a fuel surcharge waiver, which can lead to significant savings.

Does the IndusInd Legend credit card offer international airport lounge access?

Regrettably, the IndusInd Legend credit card only offers a complimentary Priority Pass membership, which does not include free access to international airport lounges. Travelers will need to explore other options for international lounge access.

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