INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official indusind.com (IndusInd Bank) Most Important Terms and Conditions (MITC).

🏛️IndusInd Bank Ltd.Network: Visa Signature / MastercardTravel & Aviation CardsLast Verified: 2026-09-28

IndusInd Bank Legend Credit Card

इंडसइंड बैंक लीजेंड क्रेडिट कार्ड

Weekend lifestyle card offering 2X points on weekends, 3 free BookMyShow tickets monthly, golf games, and lifetime free renewal.

Annual Fee₹9,999 + GST Joining (Renewal: Lifetime Free ₹0)

Reward Rate2 Reward Points per ₹100 spent on weekend retail purchases (Saturdays and Sundays). 1 Reward Point per ₹100 on weekday retail purchases (Monday to Friday).

Airport Lounge1 complimentary domestic airport lounge visit per calendar quarter (up to 4 visits annually). 2 complimentary international lounge visits per calendar year via Priority Pass.

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

IndusInd Bank Legend Credit Card is a weekend lifestyle card designed for affluent executives who concentrate discretionary spending on weekends. It delivers double reward points on Saturdays and Sundays, 3 free BookMyShow tickets monthly, golf privileges, and domestic & international lounge access.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹9,999 + GST Joining (Renewal: Lifetime Free ₹0)

Fee Waiver: Renewal fee is ₹0 (Lifetime Free after one-time joining fee payment; frequently issued with ₹0 joining fee under corporate payroll drives).

🎁Welcome Benefit

Gift vouchers worth ₹10,000 from premier brands (Luxe Gift Card, Oberoi Hotels, Amazon, Yatra) upon payment of joining fee.

⚡Reward Points Structure

2 Reward Points per ₹100 spent on weekend retail purchases (Saturdays and Sundays). 1 Reward Point per ₹100 on weekday retail purchases (Monday to Friday).

Redemption Value: 1 Reward Point = up to ₹0.75 for airline miles transfer (InterMiles, Club Vistara) or ₹0.50 against cash statement credit.

🛫Airport & Railway Lounge Access

1 complimentary domestic airport lounge visit per calendar quarter (up to 4 visits annually). 2 complimentary international lounge visits per calendar year via Priority Pass.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Personal air accident cover of ₹25 Lakhs. Emergency medical expenses overseas up to ₹25,000. Lost card liability cover up to credit limit.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹4,000.

🎯Milestone Spends & Grace Period

Milestones: Earn 4,000 bonus reward points on spending ₹6 Lakhs in an anniversary year. Buy 1 Get 1 free movie ticket on BookMyShow up to ₹200 (up to 3 free tickets a month). Complimentary golf games and lessons (1 per month).

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Weekday spend rewards drop to 1 point per ₹100 (0.50% cash return). One-time joining fee is steep at ₹9,999 unless waived via corporate salary channel. Finance charges are high at 46% p.a.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹300 (whichever is higher) + 3.83% monthly finance charges.

Finance Charges (Interest)3.83% per month (46.00% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹350 for ₹501–₹1,000; ₹550 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).

Reward Points ExpiryReward points expire 2 years (24 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 65 with monthly salary exceeding ₹50,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹7,20,000.

Age Requirement21 to 65 Years

Minimum Income₹50,000/month (Salaried) / ₹7,20,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 740+ is standard.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit indusind.com/legend or check pre-approved offers in IndusMobile.

2Enter PAN and mobile number for soft credit check.

3Select IndusInd Bank Legend Credit Card.

4Enter employer details and monthly salary.

5Complete online Video KYC session with bank official.

6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any IndusInd Bank branch by submitting self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (indusind.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on IndusInd Bank Legend Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹350 for ₹501–₹1,000; ₹550 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.83% per month (46.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on IndusInd Bank Legend Credit Card into EMI?

Yes, IndusInd Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on IndusInd Bank Legend Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into IndusInd Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = up to ₹0.75 for airline miles transfer (InterMiles, Club Vistara) or ₹0.50 against cash statement credit. Please note: Reward points expire 2 years (24 months) from the date of accrual.

What is the interest-free grace period on IndusInd Bank Legend Credit Card and how does it work?

The interest-free period on IndusInd Bank Legend Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.83% per month (46.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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