IndusInd Bank Legend Credit Card
A reward points card with no annual fee: 1 point per ₹100 on weekdays and 2 on weekends, worth ₹0.50 each as cash credit, a 1.8% forex markup and 3,000 bonus points on ₹5 lakh of spend in the first year. Every figure below is copied from IndusInd Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: see the conflicts below. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹5,000 plus GST MITC |
|---|---|
| Annual fee | Nil MITC |
| Annual fee waiver | Not needed |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 1.8% of the transaction, plus GST Product page |
| The MITC lists a joining fee of ₹5,000 and no annual fee, and says the actual fee is conveyed at the time of application; welcome gifts come only with select fee plans, and the bank's card menu labels the card lifetime-free. | |
| Reward redemption fee | ₹149 plus GST MITC |
Rewards
Reward points, ₹0.50 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| Weekday spends (weekend spends earn 2 points per ₹100) | 1 point per ₹100 Product page | no cap on record |
Reward points: ₹0.50 each as cash credit against the card outstanding (₹149 fee per cash redemption); points do not expire while the card account is live.
CardWise values all spends at the weekday rate of 1 point per ₹100; spends on Saturdays and Sundays earn 2. Utility, insurance, government, education and rent spends earn 0.70 points per ₹100 under the bank's revised programme and are not valued here. Cash redemption is limited to 5,000 points a calendar month.
No rewards on
- Fuel Product page
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived at any fuel station in India (no cap or transaction range is stated) Product page
- Milestone: 3,000 bonus reward points on ₹5 lakh of spend within one year of card issue (low-MCC categories excluded) Product page
Also on this card
Quoted from IndusInd Bank; not counted in the net value.
- 2 reward points per ₹100 on weekend (Saturday and Sunday) spends Product page
- 1.8% foreign currency markup Product page
- Buy one get one on BookMyShow movie tickets, one free ticket a month capped at ₹200 Product page
- Reward points do not expire while the card account is live Product page
- Travel insurance including lost baggage cover up to ₹1,00,000 Product page
- Complimentary concierge for travel and lifestyle bookings Product page
- Auto Assist roadside help in six metro cities Product page
Eligibility
- Age 18 or above (IndusInd's criteria for Indus Easy Credit Cards applied for online) Terms
- Age 70 or below (IndusInd's criteria for Indus Easy Credit Cards applied for online) Terms
- Salaried or self-employed Terms
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by IndusInd Bank in the documents read
- the GST rate (the MITC says GST is charged at the current rate notified by the Government)
- a RuPay variant for UPI
- a card-specific income requirement (the listing gives a net monthly income of at least Rs.20,000 for Indus Easy Credit Cards in general, written as "Rs.20, 000")
Documents that disagree
- Joining fee: the MITC lists ₹5,000 for Legend (actual fees conveyed at application) and the product page says welcome gifts come only with select fee plans, while the bank's card menu labels the card lifetime-free. CardWise shows the MITC figure; the fee actually offered may be lower.
Disputed figures are not used as if they were certain.
The quotes behind the figures
37 figures, each copied from an official IndusInd Bank document.
Show every quote and source
“Legend ₹5,000 NIL NA NIL”
“Enjoy 1.8% discounted foreign currency mark-up fee on your international transactions”
“Your Reward Points will be converted into Cash Credit @ 1 Reward Point = ₹0.50 of cash value with effect from 1 st March 2024.”
“Weekday spends ₹ 100 spent = 1 reward point”
“1 reward point for every Rs. 100 spent on weekdays”
“Please note: effective 01st April 2018, fuel transactions will not accrue reward points on your IndusInd Bank Credit Card.”
“on foreign currency transactions done on your Primary & Add-on card Fuel Surcharge Waiver Apply Now”
“Legend Credit Card Lifetime Free”
“Joining Fee (Actual Fees will be conveyed at the time of application)”
“Welcome Gifts are available at select fee points only. Please contact our phone banking service or Sales representative for applicable charges.”
“Legend, Club Vistara Explorer, Indulge Credit Card - 1.8%”
“2 reward points for every Rs. 100 spent on weekends”
“Transactions made on Saturday and Sunday are termed as weekend transactions.”
“IndusInd Bank Legend Credit Card 0.70 Reward Point for every Rs. 100 (on weekends and weekdays)”
“Effective 1st September 2024, maximum reward points allowed for cash redemption will be 5000 per calendar month.”
“Legend Credit Card - Earn 3,000 bonus reward points on spends of ₹ 5,00,000* or above within one year from the date of credit card issue.”
“a.Low MCC categories - : Fuel, Transportation & Tolls, Utilities, Insurance , Educational Institutions , telecommunications, Security brokers, Cleaning and Maintenance, Janitorial Services and Government Institutions.”
“Effective 7 th March 2025, Lounge Access feature will be discontinued.”
“Priority Pass membership is available upon request on Legend, Nexxt and lounge usage fees will be applicable up to US$35 per person per visit.”
“Avail up to three free tickets in a month. (One free ticket in a month with effect from 1st June 2023)”
“*The price of the free ticket is capped at ₹200.”
“Waiver of 1% fuel surcharge is applicable. The waiver is applicable across all petrol pumps in India”
“Check out the eligibility conditions for Indus Easy Credit Cards below:”
“Income: Your net monthly income should be at least Rs.20, 000”
“For Cash Redemption - ₹149 w.e.f 1st April 2025.”
“Enjoy a waiver* of 1% on fuel surcharge at any fuel station in the country.”
“A special bonus offer awaits you. Earn 3,000 bonus reward points on spends of ₹ 5,00,000* or above within one year from the date of credit card issue.”
“Weekend spends ₹ 100 spent = 2 reward points”
“As an IndusInd Bank Legend Credit Card holder, enjoy buy one get one free on movie tickets through our partner BookMyShow.”
“All reward points earned on Legend Credit Card are live till the credit card account is live.”
“Lost baggage Rs 1,00,000”
“This is a complimentary service with a host of premium benefits.”
“Auto Assist services are available in Mumbai, Delhi, Bangalore, Pune, Chennai, and Kolkata.”
“Age: To apply, you must be at least 18 years old. On the other hand, the upper-limit age is 70 years.”
“Occupation: All Salaried and Self-Employed individuals can apply”
“Legend Credit Card Enjoy world-class privileges on travel, dining and shopping. APPLY NOW”
“Legend Credit Card With a unique contactless feature and a card design that enables you to make fast, convenient and secure everyday purchases, the Legend Visa Credit Card”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with IndusInd Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is IndusInd Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology