← Part of IndusInd Credit Cards in India
The IndusInd Bank Legend Credit Card is a premium lifestyle card designed for individuals seeking accelerated weekend rewards and extensive travel benefits. As of 2026, IT offers a low forex markup of 1.8% and a 1:1 reward point to air miles transfer ratio, making IT suitable for frequent international travelers.
| Parameter | Details |
|---|---|
| Card Type | Premium Lifestyle Credit Card |
| Target Audience | Individuals valuing luxury, travel, and accelerated weekend rewards |
| Joining Fee | Zero / ₹999 / ₹5000 + GST (depending on variant/offer) |
| Annual Fee | Zero |
| Reward Points Earning (Weekdays) | 1 Reward Point per ₹100 spent |
| Reward Points Earning (Weekends) | 2 Reward Points per ₹100 spent |
| Reward Points Earning (Medical, Automobile, Telecom) | 1 Reward Point per ₹100 spent |
| Reward Points Earning Rate Range | 0.75% to 1.5% |
| Reward Point Redemption (Cash Credit) | 1 RP = ₹0.50 (maximum 5,000 RP per statement cycle) |
| Reward Points to Air Miles Transfer Ratio | 1:1 (to partner airlines like Krisflyer Miles, Air India Maharaja Club) |
| Minimum Reward Points for Krisflyer Conversion | 500 reward points |
| Forex Markup Fee | 1.8% |
| Fuel Surcharge Waiver | 1% on every fuel transaction |
| BookMyShow Offer | Buy 1, Get 1 movie ticket every month (savings up to ₹200/month) |
| Lounge Access | 1 visit/year (domestic and international lounges, charges up to US$35 for international) |
| Luxe Gift Card Access | 30+ global luxury brands across 360+ stores in 30 Indian cities |
| Bonus Points on Spending | 4,000 bonus points after spending ₹6,00,000 in a year |
| Insurance Coverage (Total Protect) | Up to credit limit for unauthorized transactions, even 48 hours before reporting loss/theft |
| Merchant Outlets in India (2026) | Over 10 lakh accepting card payments |
| Merchant Outlets Worldwide (2026) | Over 30 million accepting card payments |
| Concierge Services | Complimentary assistance for flight/hotel bookings globally |
The card offers a competitive 1.8% forex markup and a 1:1 transfer ratio for air miles, making IT a strong contender for those prioritizing travel rewards and international spending in 2026.
Legend Credit Card: Key Features
The IndusInd Bank Legend Credit Card offers accelerated reward points on weekend spending and a low 1.8% forex mark-up charge. Cardholders receive a Buy One Get One (BOGO) movie ticket offer on BookMyShow, saving up to ₹200 monthly.
This card provides extensive global acceptance at over 30 million merchant outlets worldwide, alongside complimentary concierge and auto assist services.
| Type/Category | Details | Key Feature |
|---|---|---|
| Rewards Program | Earn 1 Reward Point per ₹100 spent on weekdays; 2 Reward Points per ₹100 spent on weekends. Reward points do not expire. | Accelerated Reward Earning |
| Movie Benefits | Buy One Get One (BOGO) movie ticket offer via BookMyShow, with monthly savings up to ₹200. Complimentary movie tickets worth up to ₹2,400 annually. | Complimentary Movie Tickets |
| Travel Benefits | Low forex mark-up charge of 1.8% on international transactions. Reward points transfer to partner airline loyalty programs (e.g., Krisflyer Miles, Air India Maharaja Club) at a 1:1 ratio. | Low Forex Markup & Air Miles Redemption |
| Fuel Surcharge Waiver | Receive a 1% fuel surcharge waiver on every fuel transaction at all authorized fuel stations across India. | Fuel Surcharge Waiver |
| Concierge Services | Access complimentary 24/7 concierge assistance for flight bookings, hotel reservations, and other support services globally. | Global Concierge Service |
| Auto Assist | Benefit from complimentary on-the-spot assistance for vehicle breakdowns, flat tyres, and other road emergencies. | Complimentary Auto Assist |
| Contactless Payments | Utilize fast, convenient, and secure contactless payment functionality for day-to-day transactions at compatible merchant locations. | Contactless Payment Facility |
| Shopping & Global Acceptance | The card is accepted at over 10 lakh merchant outlets in India and more than 30 million outlets worldwide. | Wide Merchant Acceptance |
| Luxe Gift Card | Gain exclusive access to more than 30 global luxury and premium brands across over 360 stores in 30 Indian cities. | Exclusive Luxury Brand Access |
| Reward Point Redemption | Redeem a maximum of 5,000 reward points for Cash Credit per statement cycle, with 1 Reward Point valued at ₹0.50. | Flexible Reward Redemption |
| Insurance Coverage | Receive personal accident coverage up to ₹25 lakh and personal air accident cover of ₹25 lakh. | full Insurance Cover |
| Bonus Points | Earn 4,000 bonus reward points after spending ₹6,00,000 in a year. | Annual Spending Bonus |
The IndusInd Legend Credit Card provides a strong suite of features, focusing on travel, entertainment, and luxury benefits for its cardholders in India.
Legend Credit Card: Fees & Charges 2026
The IndusInd Bank Legend Credit Card is often offered as a lifetime free card, meaning zero annual or joining fees for many cardholders. However, a foreign currency mark-up fee of 1.8% applies to international transactions, as of March 2026.
| Metric | Value (Rs.) | Source |
|---|---|---|
| Joining Fee | ₹0 | IndusInd Bank (as of March 2026) |
| Annual Fee | ₹0 | IndusInd Bank (as of March 2026) |
| Foreign Currency Mark-up Fee | 1.8% | IndusInd Bank (as of March 2026) |
| Dynamic Currency Conversion Fee | 1% | IndusInd Bank (as of March 2026) |
| Cash Advance/Withdrawal Fee | 2.5% of amount or ₹300 (whichever is higher) | IndusInd Bank (as of March 2026) |
| Add-on Card Fee | ₹0 | IndusInd Bank (as of March 2026) |
| Fuel Surcharge Waiver | 1% (up to ₹200 per statement cycle) | IndusInd Bank (as of March 2026) |
| Late Payment Fee (Statement Balance < ₹500) | ₹0 | IndusInd Bank (as of March 2026) |
| Late Payment Fee (Statement Balance ₹501 – ₹1,000) | ₹100 | IndusInd Bank (as of March 2026) |
| Late Payment Fee (Statement Balance ₹1,001 – ₹10,000) | ₹500 | IndusInd Bank (as of March 2026) |
| Late Payment Fee (Statement Balance ₹10,001 – ₹25,000) | ₹750 | IndusInd Bank (as of March 2026) |
| Late Payment Fee (Statement Balance ₹25,001 – ₹50,000) | ₹950 | IndusInd Bank (as of March 2026) |
| Late Payment Fee (Statement Balance > ₹50,000) | ₹1,200 | IndusInd Bank (as of March 2026) |
| Overlimit Fee | 2.5% of overlimit amount (min ₹500) | IndusInd Bank (as of March 2026) |
| Card Replacement Fee | ₹100 | IndusInd Bank (as of March 2026) |
| Cheque Bounce/Auto-Debit Failure Fee | ₹300 | IndusInd Bank (as of March 2026) |
While the card is often promoted as lifetime free, specific fees like foreign transaction charges and late payment penalties apply based on usage. Always review the Most Important Terms & Conditions (MITC) document from IndusInd Bank for the most current fee structure.
Legend Credit Card: Rewards & Benefits
The IndusInd Bank Legend Credit Card offers accelerated rewards on weekend spending and a low forex mark-up of 1.8%. Cardholders can redeem reward points for air miles at a 1:1 ratio with partner airline loyalty programs.
- Accelerated Reward Points: Earn 2 Reward Points for every ₹100 spent on weekends. Weekday spending, including medical, automobile, and telecom transactions, earns 1 Reward Point per ₹100.
- Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on all fuel transactions at authorized stations across India.
- Movie Ticket Offers: Enjoy a “Buy One Get One” offer on movie tickets via BookMyShow, with potential savings of up to ₹200 per month.
- Luxe Gift Card: Access exclusive offers from over 30 global luxury and premium brands across 360+ stores in 30 Indian cities.
- Air Miles Conversion: Convert reward points to Krisflyer Miles or Air India Maharaja Club at a rate of 400 Reward Points for 100 miles, with a minimum of 500 points required.
- Cash Credit Redemption: Redeem a maximum of 5,000 reward points for Cash Credit per statement cycle.
- Global Acceptance: Use the card at over 10 lakh merchant outlets in India and more than 30 million outlets worldwide for both standard and contactless payments.
- Travel and Concierge Services: Benefit from a complimentary concierge service for flight bookings, hotel reservations, and other travel support, accessible globally.
- Personal Accident Cover: Receive personal air accident coverage of up to ₹25 lakh, providing financial security.
These benefits position the Legend Credit Card as a strong option for individuals seeking travel, lifestyle, and reward advantages.
Legend Credit Card: Eligibility & Application
Applying for the IndusInd Bank Legend Credit Card in 2026 requires meeting specific age and residency criteria. Applicants must be Indian citizens or residents, generally between 18 and 70 years old, and possess a steady source of income.
A strong CIBIL score is for approval, alongside submitting necessary identity and income proofs during the application process.
- Age Requirement: Applicants must be at least 18 years old. Some sources indicate an age range of 18-65 years, while others extend IT to 18-70 years or 21-65 years for Indian residents.
- Residency Status: The card is available exclusively to Indian citizens or residents of India.
- Income Stability: A steady source of income is a mandatory criterion for all applicants, though a specific minimum income is not publicly disclosed by the bank.
- Credit Score: A good CIBIL score is for approval, reflecting the applicant’s creditworthiness.
- Identity Proof: Valid documents include PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, or any other government-approved photo ID proof.
- Address Proof: Applicants need to provide proof of their current residential address.
- Income Proof: Documents such as salary slips, bank statements, or income tax returns are required to verify income.
- Application Process: The application typically involves an online form submission, followed by a Video KYC (Know Your Customer) process for verification.
Ensure all required documents are readily available to streamline the application for the IndusInd Bank Legend Credit Card.
Legend vs Pinnacle Credit Card
The IndusInd Legend Credit Card is an entry-level card with zero annual fees, offering accelerated rewards on weekend spending and a low 1.8% forex markup. In contrast, the IndusInd Pinnacle Credit Card is a high-end luxury card with a joining fee of up to ₹15,000, targeting high-spenders with exclusive benefits like airport lounge access and full insurance.
| Feature | Legend Credit Card | Pinnacle Credit Card |
|---|---|---|
| Card Type | Entry-level, straightforward rewards | High-end, luxury tier with exclusive privileges |
| Joining Fee | Zero / Lifetime Free (LTF) | ₹12,999 – ₹15,000 (plus taxes) |
| Welcome Benefits | No specific welcome benefits | Choice of one welcome benefit (e.g., Luxe gift card worth ₹5,000) |
| Reward Earning Rate | 1 Reward Point per ₹100 (weekdays), 2 Reward Points per ₹100 (weekends) | Higher reward earnings for e-commerce and travel; up to 2.5% for online spending |
| Forex Mark-up Charge | 1.8% | Typically higher than Legend, verify with lender |
| Airport Lounge Access | No lounge access (after devaluation) | Complimentary domestic and international airport lounge access |
| Movie Ticket Offers | Buy 1 Get 1 free on BookMyShow (up to ₹200/month) | Up to three complimentary movie tickets per month |
| Insurance Coverage | Personal accident coverage up to ₹25 lakh | full insurance benefits, including personal air accident cover up to ₹25 lakh and unauthorized transaction cover |
| Fuel Surcharge Waiver | 1% on all fuel transactions | 1% on all fuel transactions |
| Target Audience | Individuals seeking a basic card with decent rewards on daily purchases | High-spenders and frequent travelers looking for exclusive privileges |
The Legend card focuses on daily spending and low forex charges, while the Pinnacle card offers premium travel and lifestyle benefits for a higher fee.
Legend Credit Card: Important Terms
The IndusInd Bank Legend Credit Card offers a low forex mark-up charge of 1.8% for international transactions, making IT suitable for global travel. Cardholders also receive a 1% fuel surcharge waiver on all fuel transactions across India.
This card provides a complimentary personal air accident cover of ₹25 lakh, along with insurance for unauthorized transactions up to the credit limit.
- Reward Point Expiry: Reward points earned with the IndusInd Bank Legend Credit Card do not expire, allowing flexible redemption.
- BookMyShow Offer: Cardholders can avail a “Buy One Get One” movie ticket offer on BookMyShow, with monthly savings of up to ₹200.
- Worldwide Acceptance: The card is accepted at over 10 lakh merchant outlets in India and more than 30 million outlets globally for both standard and contactless payments.
- Air Miles Conversion: Reward points can be converted to partner airline loyalty programs, such as Krisflyer Miles, at a 1:1 ratio, with a minimum of 500 points required for conversion.
- Customer Assistance: A dedicated concierge service is available globally to assist with flight bookings, hotel reservations, and other travel support.
The card also includes a “Total Protect” feature, offering insurance coverage for unauthorized transactions up to 48 hours before reporting card loss or theft.
Legend Credit Card: Customer Support
IndusInd Bank offers dedicated customer support for Legend Credit Card holders, accessible globally for various services. This complimentary service assists with flight bookings, hotel reservations, and general card support.
- Cardholders can reach IndusInd Bank’s customer care at 1860 267 7777 for immediate assistance. This number is available for all credit card related queries.
- The bank provides a team of efficient professionals to help with flight and hotel bookings, ensuring a smooth travel experience.
- For general inquiries or support, cardholders can utilize the phone banking service or contact a sales representative.
- IndusInd Bank also offers a full net banking portal where cardholders can generate statements for specific dates or an overall period.
- In case of unauthorized transactions, the Total Protect feature provides insurance coverage up to the credit limit, even for incidents up to 48 hours before reporting loss or theft.
- Customers can submit complaints through the SEBI Complaints Redress System (SCORES), with a feedback period of 15 days after complaint closure.
This strong support system ensures Legend Credit Card users receive timely assistance for their banking and lifestyle needs.
Key Takeaways
- IndusInd Bank provides 24/7 customer support for Legend Credit Card holders via phone banking (1860 267 7777) and online channels.
- The bank’s Total Protect feature offers insurance coverage for unauthorized transactions up to the credit limit, even 48 hours before reporting.
- Cardholders can access assistance for travel bookings and general card management through dedicated support teams.
For detailed support and services, visit the official IndusInd Bank website or contact their customer care.
Frequently Asked Questions (FAQs)
What are the key benefits of the IndusInd Bank Legend Credit Card?
The IndusInd Bank Legend Credit Card offers accelerated reward points on weekend spending and a low forex markup of 1.8%. Cardholders also receive a ‘Buy One Get One’ offer on BookMyShow tickets, with savings up to ₹200 per month. Reward points never expire and can be transferred to partner airline loyalty programs at a 1:1 ratio.
What are the eligibility criteria for the IndusInd Bank Legend Credit Card?
Indian citizens aged 18 to 70 years can apply for the IndusInd Bank Legend Credit Card. Applicants need a good CIBIL score and must be residents of India. Specific income requirements vary by bank policy as of 2026.
What are the fees associated with the IndusInd Bank Legend Credit Card?
The IndusInd Bank Legend Credit Card typically has an annual fee, which may be waived based on spending thresholds. The forex markup charge is 1.8%, making IT competitive for international transactions. Other fees, such as cash advance or late payment charges, are detailed in the card’s Most Important Terms & Conditions (MITC).
How do the reward points work with the IndusInd Bank Legend Credit Card?
IndusInd Bank Legend Credit Card reward points never expire and are accelerated on weekend spends. These points can be redeemed against a catalogue of options or transferred to partner airline loyalty programs. The transfer ratio to air miles is 1:1, offering good value for frequent travellers.
Can I get complimentary lounge access with the IndusInd Bank Legend Credit Card?
The IndusInd Bank Legend Credit Card offers complimentary lounge access, though the specific number of visits and lounge networks can vary. Cardholders should check the latest benefits guide or contact IndusInd Bank for current details on domestic and international lounge access. This benefit travel convenience for card users.
What welcome benefits are offered with the IndusInd Bank Legend Credit Card?
IndusInd Bank Legend Credit Card welcome benefits often include discount vouchers or reward points, available at select fee points. For example, some offers include vouchers from partners like Postcard Resorts. Cardholders should confirm the specific welcome gift with the bank at the time of application.
How does the IndusInd Bank Legend Credit Card compare to the IndusInd Pinnacle Credit Card?
Both the IndusInd Legend and Pinnacle credit cards target high-earning individuals with premium lifestyle benefits. The Legend card focuses on accelerated weekend rewards and travel, while the Pinnacle card may offer different reward structures or higher-tier benefits. A detailed comparison of specific features and fees is recommended as of March 2026.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.