IndusInd Bank
Signature · Legend
IndusInd Legend Credit Card
IndusInd Bank
Travel and rewards with golf privileges and concierge
Annual Fee
₹5,000
Joining Fee
₹5,000
Reward Rate
1.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹34,100
Total Annual Benefits
₹40,000
Total Annual Charges
₹5,900
ROI
578%
Fee Waiver Available
Annual fee waived on spending ₹5 Lakh in the preceding year — ₹5,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (2)
Unlimited Domestic Lounge Access
Unlimited complimentary domestic airport lounge visits per year
- • At all Dreamfolks partner domestic lounges
Unlimited visits
₹25,000/yr
International Lounge Access
6 complimentary international airport lounge visits via Priority Pass
- • Priority Pass membership included
6 visits/year
₹21,000/yr
Travel Benefits (1)
8X Rewards on Travel
Earn 8X reward points on all travel spends
- • Valid on flights, hotels, and travel bookings
8X RP on travel
Golf Privileges (1)
Complimentary Golf Rounds
Complimentary golf rounds at premium courses across India
- • At select premium golf courses
- • Booking required in advance
Complimentary rounds
₹15,000/yr
Concierge Services (1)
24/7 Concierge Service
Dedicated concierge for travel bookings, reservations, and lifestyle assistance
Included
Reward Points (1)
Reward Points on All Spends
4 Reward Points per ₹100 spent on all retail purchases
4 RP per ₹100
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Valid on transactions ₹400–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
IndusInd Reward Points
4 RP per ₹100
Effective cashback: 1.00%
Points expire: 2 years from date of accrual
Redemption Options
- → Flights & Hotels via IndusInd Rewards
- → Products & Vouchers
- → Airline miles transfer
- → Cashback (1 RP = ₹0.25)
Bonus Categories
Travel
8x multiplier
8X reward points on travel spends
Milestone Bonuses
10,000 bonus reward points on spending ₹5 Lakh annually
Spend ₹5,00,000 annually
10,000 Reward Points
Additional 10,000 bonus reward points on spending ₹10 Lakh annually
Spend ₹10,00,000 annually
10,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹5,000 Excluding GST |
| Annual Fee | ₹5,000 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.75%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹1,50,000
- Min. Annual Income
- ₹18,00,000
- Min. Credit Score
- 750
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹1.5 Lakh
- • Self-Employed: ITR > ₹18 Lakh p.a.
- • Age 21–65 years
- • Good credit history required
Insurance Coverage
Accidental Death
₹1.0 Cr
Permanent Disability
₹1.0 Cr
Travel Insurance
₹20.0 L
Lost Card Liability
₹10.0 L
Report within 24h
Air Accident Cover
₹1.0 Cr
Purchase Protection
₹5.0 L
90 days
- • Air accident cover: ₹1 Crore
- • Travel insurance: ₹20 Lakh
- • Purchase protection: ₹5 Lakh for 90 days
- • Lost card liability: ₹10 Lakh
Airport Lounge Access
Domestic
999 visits/year
Unlimited
~₹2,500/visit
International
6 visits/year
6 per year
~₹3,500/visit
Dreamfolks Priority Pass
- • Domestic: Unlimited complimentary visits at partner lounges
- • International: 6 complimentary visits per year via Priority Pass
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹5,00,000
Contactless / Txn
₹5,000
Features
Metal card Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility Priority Pass membership Complimentary golf access 24/7 concierge service
EMI Options
Min. Transaction
₹3,000
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The IndusInd Legend Credit Card is a premium Visa Signature card offering 4 reward points per ₹100 spent, 8X on travel, unlimited domestic lounge acce...
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