Route spending through 2 reward points for every ₹100 spent on weekends.
Earn 0.5× here — 0.5% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Lifetime-free · No-fee
INDUSIND BANK · INDUSIND BANK LEGEND CREDIT CARD
IndusInd Bank Legend Credit Card
ANNUAL FEE
Free
FIRST-YEAR NET VALUE
₹4,500 for a mid spender · travel
INDUSIND BANK
Updated 17 Sep 2026 4 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is IndusInd Bank's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE Check with bank Good band
AGE Adult Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹4,500 first-year net value · mid spender · travel
Category rewards ₹4,500
Net first-year value ₹4,500
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 0.00% back on eligible spends 1 pts 1 points per ₹100
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 0.5% back
2 reward points for every ₹100 spent on weekends · 0.5%
Everything else (base) · 0.0%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time IndusInd Bank tweaks the program.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹4L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How IndusInd Bank Legend Credit Card has changed.
Last verified 17 Sep 2026.
- 24 Feb 2026 Legend benefits and MITC figures revalidated Updated lounge, insurance and fee values using official benefit guide and MITC page
- 7 Mar 2025 Lounge access discontinued effective 7 March 2025 (was recorded as 2 domestic visits); the ₹600 quarterly voucher at ₹90,000 is not on the product page and was replaced by the page's 3,000 bonus points on ₹5 lakh in year one; welcome gifts (Montblanc / Postcard / Vouchagram) apply only to paid fee plans, not the lifetime-free plan. 1 RP per ₹100 weekdays and 2 RP weekends re-verified. Card loses its lounge score entirely; milestone value only reachable at ₹5 lakh
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: IndusInd Legend product page (official), Legend Benefit Guide PDF (official), IndusInd credit card MITC page (official), indusind.bank.in. Next scheduled review: 17 Mar 2027.