इंडसइंड बैंक लीजेंड क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: IndusInd Bank Ltd.
Weekend lifestyle card offering 2X points on weekends, 3 free BookMyShow tickets monthly, golf games, and lifetime free renewal.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
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.
Gift vouchers worth ₹10,000 from premier brands (Luxe Gift Card, Oberoi Hotels, Amazon, Yatra) upon payment of joining fee.
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.
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹4,000.
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).
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
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.
न्यूनतम वार्षिक आय आवश्यकता
₹50,000/month (Salaried) / ₹7,20,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
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.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit indusind.com/legend or check pre-approved offers in IndusMobile. Step 2: Enter PAN and mobile number for soft credit check. Step 3: Select IndusInd Bank Legend Credit Card. Step 4: Enter employer details and monthly salary. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
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.