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Last updated: 01-06-2026
IndusInd Bank Legend Credit Card
Indusind Bank

IndusInd Bank Legend Credit Card

"IndusInd's best lifetime-free rewards card โ€” 2X weekend rewards on all categories with rewards even on utilities, insurance and government payments"

No ratings yet โ€” be the first to rate below!

Quick Summary
๐Ÿ’ณ Joining Fee
Nil โ€” Lifetime Free
๐Ÿ”„ Renewal Fee
Nil โ€” Lifetime Free
Waived: No fee โ€” lifetime free card
๐ŸŽฏ Best Suited For
Moderate spenders who make regular payments across all categories including utilities, insurance and government โ€” rare reward-earning on these categories; those wanting a versatile free card from IndusInd Bank
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น0.40 for cash credit; 1 RP = 1 Krisflyer mile for airline transfer)
๐ŸŽ‰ Welcome Benefit
Complimentary IndusInd Bank exclusive privileges on card activation โ€” check current offer on IndusInd Bank website
๐Ÿ’ฐ Reward Rate
2 RPs per โ‚น100 on all weekend spends (Friday to Sunday) across all categories including dining, entertainment and travel; 1 RP per โ‚น100 on all weekday spends; earns on utilities, insurance, government payments and education โ€” categories excluded by most cards; excludes fuel and cash advances; RPs valid 3 years
โœˆ๏ธ Lounge Access
Buy 1 Get 1 on movie tickets via BookMyShow (2 free tickets per month); limited domestic lounge access โ€” check current terms on IndusInd Bank website
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โœ… Pros
  • Truly lifetime free
  • 2X rewards on all weekend spends across all categories
  • 1.8% forex markup โ€” low for a free card
  • Earns rewards on utilities, government, education (rare)
  • Air accidental death cover โ‚น25 lakh
  • Buy 1 Get 1 movies via BookMyShow
  • Krisflyer mile transfer at 1:1
โŒ Cons
  • Redemption capped at 2,500 RPs per month for cash credit
  • High interest rate 3.83% per month after June 2026
  • New June 2026 fuel charge above โ‚น30K spend
  • No airport lounge access
  • Redemption fee โ‚น100 + taxes

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น0.40 for cash credit; 1 RP = 1 Krisflyer mile for airline transfer)
Welcome Benefits
Complimentary IndusInd Bank exclusive privileges on card activation โ€” check current offer on IndusInd Bank website
Reward Rate
2 RPs per โ‚น100 on all weekend spends (Friday to Sunday) across all categories including dining, entertainment and travel; 1 RP per โ‚น100 on all weekday spends; earns on utilities, insurance, government payments and education โ€” categories excluded by most cards; excludes fuel and cash advances; RPs valid 3 years
Reward Redemption
IndusInd IndusMoments portal: cash credit at 1 RP = โ‚น0.40 (max 2,500 RPs per billing cycle for cash credit); Krisflyer miles at 1:1; merchandise and vouchers; redemption fee โ‚น100 + taxes
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations on transactions โ‚น400 to โ‚น4,000
Lounge Access
Buy 1 Get 1 on movie tickets via BookMyShow (2 free tickets per month); limited domestic lounge access โ€” check current terms on IndusInd Bank website
Spend Based Fee Waiver
Not applicable โ€” lifetime free
Milestone Benefits
3,000 bonus RPs on spending โ‚น5 lakh in a year; check current milestone benefit on IndusInd Bank website
Other Benefits
Buy 1 Get 1 movies via BookMyShow (2 per month); low forex markup 1.8%; rewards on utilities, government, education (unique for a free card); Roadside Auto Assist; air accidental death cover โ‚น25 lakh; travel insurance (lost baggage โ‚น1L, delayed baggage โ‚น25K, missed connection โ‚น25K); zero card liability

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Air accident death cover โ‚น25 lakh; travel insurance (lost baggage โ‚น1L, delayed โ‚น25K, missed connection โ‚น25K); zero card liability
Add-on Cards
Add-on cards for family members
Concierge Services
Details coming soon
Special Offers
2X rewards on all weekend spends; rewards on utilities, government, education; Buy 1 Get 1 movies; low 1.8% forex markup

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
Nil โ€” Lifetime Free
Annual Fee / Renewal Fee
Nil โ€” Lifetime Free
โœ“ Waived on: No fee โ€” lifetime free card
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.83% per month (45.96% per annum) โ€” revised June 2026
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น300
Late Payment Charges
As per IndusInd Bank prevailing slab; typically โ‚น100 to โ‚น1,200
Over Limit Charges
2.5% of overlimit amount
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
From June 15 2026: 1% fee on cumulative fuel spends above โ‚น30,000 per statement cycle; redemption fee โ‚น100 + taxes; cash credit redemption capped at 2,500 RPs per billing cycle

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21+ years; salaried or self-employed; minimum monthly income โ‚น25,000; Indian resident; good credit history
Credit Score Requirement
680+ CIBIL recommended
Credit Limit
Based on income and IndusInd Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on transactions above โ‚น2,500; flexible tenures
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per IndusInd Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via IndusInd IndusMobile app or customer care
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
Zero card liability on timely reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on unauthorized transactions after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860-267-7777 (24x7)
Chat / Email Support
Chat via IndusInd IndusMobile app
Mobile App
IndusInd IndusMobile app: manage card, track RPs, pay bills
Online Banking
Full management via IndusInd Bank website and app

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:31 PM
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