IndusInd Bank Legend Credit Card

Name: IndusInd Bank IndusInd Bank Legend Credit Card
Brand: IndusInd Bank
Rating: 2.37 (1 reviews)

Ranked #146 of 170 in credit

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IndusInd's lifetime-free premium-positioned card that has undergone significant devaluation — lounge access and air accident insurance both discontinued in 2025 — now offering modest weekday/weekend rewards and low forex.

Score breakdown

Data completeness: 75% · Last verified: 09 Jul 2026

Reward value6/100 · weight 71%

≈ 0.25% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.

Fee efficiency100/100 · weight 12%

Redemption flexibility75/100 · weight 9%

Perks15/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: —
Annual fee: Lifetime free
Forex markup: 1.8%

Lounge access

Domestic (per year): 0
International (per year): 0

Reward structure

Category	Type	Rate	Cap	Notes
all_spends	points	0.25%(0.5 pts @ ₹0.50)	—	1 RP/Rs 100 weekdays

Welcome offer

Welcome gift vouchers from partner brands (Luxe Gift Card, Montblanc, Vouchagram etc.) - paid variants only

Milestone benefits

Pros

True lifetime free with premium-card benefits
low 1.8% forex markup
BOGO movie tickets via BookMyShow (up to 3/month)
reward points never expire
low fuel forex fee

Cons

Lounge access discontinued March 2025 (major devaluation for what's still marketed as a travel card in older content)
low base reward rate (0.5% weekday, 1% weekend)
Air Accident Insurance removed Dec 2025
fuel spends earn zero points
Club Vistara/InterMiles conversion discontinued

What's inside

More benefits

Fuel surcharge waiver
1% waiver on eligible fuel transactions
Cap ₹3,000 / yearly. Standard range

Insurance cover

text: ₹NaN

Eligibility

text: Age 18-70, min income Rs 20,000/month (IndusInd baseline), good CIBIL score, Indian resident

Small print

Redemption fee: ₹149 / redemption