IndusInd Bank Legend Credit Card review
IndusInd Bank · Visa · points Official sources Checked 30 Oct 2026
At a glance
- Annual fee
- ₹0
- Joining fee
- ₹5,000
- Fee waiver
- Not needed (no annual fee)
- Base return
- 0.5% base
- Point value
- ₹0.5 per point
- Domestic lounge
- None found
- International lounge
- None found
Estimated net value a year
| Profile | Net | % of spend |
|---|---|---|
| First card, light spender ₹15k a month | ₹861 | 0.5% |
| Metro salaried ₹60k a month | ₹4,752 | 0.7% |
| Family household ₹80k a month | ₹5,604 | 0.6% |
| Frequent flyer ₹1.5L a month | ₹10,020 | 0.6% |
| Online shopper ₹50k a month | ₹4,446 | 0.7% |
| Rent-heavy ₹90k a month | ₹1,746 | 0.2% |
Fee maths: There is no annual fee to recover, so value depends only on how much of your spend lands in rewarded categories. On our 6 profiles it nets from ₹861 (first card, light spender) to ₹10,020 (frequent flyer), equal to 0.2% to 0.7% of spend across the profiles.
After fees and caps, best-case redemption. Use your own spend.
Our take: A card with no annual fee but a ₹5,000 joining fee. Its appeal is the milestone (3,000 bonus points, about ₹1,500, at ₹5 lakh in a year) and double points on weekends; complimentary lounge access was discontinued in March 2025. Rent, utilities, insurance and similar payments earn 0.7 points per ₹100, one of the few cards that earn anything on rent, but at a small rate (0.35% at ₹0.50 a point).
From the card's terms: strengths
- No annual fee
From the card's terms: limits
- Base return is only about 0.5% on other spends
Reward rates and caps
| Spend category | Points per ₹100 | Value per ₹100 | Cap | Notes |
|---|---|---|---|---|
| Fuel | 0 | ₹0 | No cap found | No points; 1% surcharge on fuel above ₹30,000/cycle from 15 Jun 2026 |
| Bills & utilities, Rent | 0.7 | ₹0.35 | No cap found | Utility bill payments, insurance premiums, government services/charges, education institute fees and real-estate/rental payments earn 0.70 RP per ₹100 on Legend (official IndusInd revision notice); rent rate effective 20 Jan 2022. Points earned only on spends up to the assigned credit limit per statement cycle. Modelled for utilities and rent only. |
| Everything else, Other online shopping, Amazon, Flipkart, Groceries, Dining & food delivery, Flights & hotels, Entertainment & OTT | 1 | ₹0.5 | No cap found | 1 RP/₹100 on weekdays, 2 RP/₹100 on weekends (official issuer page, re-read 30 Oct 2026); medical, automobile, telecom 1 RP all days. Modelled at the weekday rate only: the weekend doubling is not counted because it depends on when you spend (it would add roughly 0.14% of spend if 2 of every 7 days of spend fall on weekends, at ₹0.50 a point) |
Point value: Official Legend Cash Credit T&C: 1 RP = ₹0.50 cash credit. An IndusInd blog (updated Oct 2026) still says ₹0.75 and ₹6L/4,000 RP bonus; the formal T&C pages say ₹0.50 and ₹5L/3,000 RP, which we use.
Excluded or reduced
- fuel
Spend milestones
- Spend ₹5,00,000 a year: 3,000 bonus RP on spends of ₹5 lakh or above within one year of card issue (official bonus T&C, revised 15 Dec 2024); fuel, transport/tolls, utilities, insurance, education, telecom, brokers, government spends do not count (about ₹1,500)
Other benefits
- Welcome: None listed
- Renewal: None confirmed
- BookMyShow BOGO up to ₹200
- Forex markup 1.8%+GST; DCC 2% from 15 Jun 2026
- Complimentary air accident insurance withdrawn 21 Dec 2025 (aggregator)
Eligibility
Not stated; no income threshold found not confirmed in an issuer document: check the application page
Reported rule changes
- 15 Jun 2026: IndusInd Bank: late payment charge bands revised from 15 June 2026 official
Where it ranks
Compare
- IndusInd Bank Legend Credit Card vs HDFC Regalia Gold
- IndusInd Bank Legend Credit Card vs EazyDiner IndusInd Bank Platinum Credit Card
Related guides
- How to read a credit card MITC
- Paying rent with a credit card
- Fees on rent, wallet, utility, fuel and education spends
- Forex markup and using a card abroad
- How reward points work and what they are worth
- Credit card devaluations and what to do
FAQ
What is the annual fee of the IndusInd Bank Legend Credit Card?
No annual fee. Fees exclude 18% GST.
How do IndusInd Bank Legend Credit Card rewards work?
0.5% base. Official Legend Cash Credit T&C: 1 RP = ₹0.50 cash credit. An IndusInd blog (updated Oct 2026) still says ₹0.75 and ₹6L/4,000 RP bonus; the formal T&C pages say ₹0.50 and ₹5L/3,000 RP, which we use.
Does the IndusInd Bank Legend Credit Card give airport lounge access?
We did not find lounge access on this card in the sources we checked.
Who is the IndusInd Bank Legend Credit Card best suited to?
A card with no annual fee but a ₹5,000 joining fee. Its appeal is the milestone (3,000 bonus points, about ₹1,500, at ₹5 lakh in a year) and double points on weekends; complimentary lounge access was discontinued in March 2025. Rent, utilities, insurance and similar payments earn 0.7 points per ₹100, one of the few cards that earn anything on rent, but at a small rate (0.35% at ₹0.50 a point). There is no annual fee to recover, so value depends only on how much of your spend lands in rewarded categories. On our 6 profiles it nets from ₹861 (first card, light spender) to ₹10,020 (frequent flyer), equal to 0.2% to 0.7% of spend across the profiles.
Sources
- IndusInd Legend official page official fetched 2026-10-29
- IndusInd MITC Premium - Schedule of Charges (Legend row; late-fee/fuel/utility changes effective 15 Jun 2026) official fetched 2026-10-29
- IndusInd Legend Cash Credit T&C (1 RP = Rs 0.50) official fetched 2026-10-29
- IndusInd reward redemption changes (1 Apr 2025) official fetched 2026-10-29
- CardAdvisor IndusInd Legend aggregator fetched 2026-10-29
- IndusInd revision of credit card rewards program (0.70 RP per Rs100 categories; Legend listed) official fetched 2026-10-29
- IndusInd Legend/Legacy bonus rewards points T&C (3,000 RP at Rs5 lakh) official fetched 2026-10-29
Not financial advice. Figures are estimates from published terms and may be outdated; confirm with IndusInd Bank before you apply. Methodology.