IndusInd Legend Credit Card
- Updated On: 15 July, 2026
The Legend Credit Card, issued by IndusInd Bank, is a basic card that offers decent features and an average reward structure. Currently, you can obtain this credit card with zero annual fees. It is a lifetime free card provided by IndusInd Bank. For every transaction of ₹100, you get up to 1 Reward Point for weekday spends and 2 Reward Points for weekend spends, and these points can be redeemed against an array of alternatives, including statement cash (1 Reward Point = ₹0.50), Airmiles, products, gift vouchers, and more. Other than the regular reward points, you can earn 3,000 bonus reward points on achieving the annual milestone spend. Apart from all this, one of the main features of this card is its low Forex markup charge of just 1.8%, compared to the industry rate of 3.5%. This allows cardholders to make international transactions without incurring high charges. The card even provides several useful insurance covers.
Read our IndusInd Legend credit card review to learn more about the card’s features.
IndusInd Legend Credit Card
( 4.3 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
1 Reward Point/₹100 for Spends on Weekdays (~0.50%) and 2 Reward Points/₹100 for Spends on Weekends (~1%)
Welcome Benefits
N/A
Rewards and Benefits
Movie & Dining
BOGO on Movie Ticket Bookings Up to ₹200 (Once Each Month)
Rewards Rate
1 Reward Point/₹100 for Spends on Weekdays (~0.50%) and 2 Reward Points/₹100 for Spends on Weekends (~1%)
Reward Redemption
1 RP = ₹0.50 for Redemption Against Cash Credit
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
Complimentary Lost Baggage Insurance of ₹1 Lakh and Other Travel Covers
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
For Cash Redemption – ₹149 + GST
Foreign Currency Markup
1.8% + GST
Interest Rates
3.95% Per Month (47.40% Per Annum)
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver
Cash Advance Charges
2.5% of the Transaction Amount (Minimum Charge of ₹300)
Product Details
- Buy 1 Get 1 Free (BOGO) offer on movie tickets via BookMyShow.
- 3,000 bonus Reward Points under the milestone benefits.
- Lower foreign currency markup fee of 1.8%.
- Get 1 Reward Point per ₹100 you spend on weekdays.
- You get 2 Reward Points per ₹100 you spend on weekends.
Pros/Cons
Pros
- This is a lifetime free credit, which comes with no annual charges.
- One can keep this card for bank-specific offers and promotions.
Cons
- There is only one BOGO offer per month with this card.
- There are no dining offers provided along with this credit card. After the devaluation, even airport lounge access has been removed from the Legend Credit Card.
Movie & Dining Benefits
- With the IndusInd Legend Credit Card, you can get a buy-one-get-one offer on movie tickets when you book them on BookMyShow.
- Up to 1 free ticket per month is available with Book My Show.
- The price of the free ticket is capped at ₹200.
- With Book My Show for booking your movie ticket, you get an additional ₹50 off if you choose the Food and Beverages option.
Milestone Benefit
You can earn 3,000 bonus Reward Points on achieving a spend of ₹5 lakhs or more within one year from the card issuance date. Both primary and add-on spends are eligible for this offer. The bonus point will be credited within 45 days of one year’s completion
Fuel Surcharge Waiver
Get a 1% fuel surcharge waiver on every fuel transaction at all authorized fuel stations in India.
IndusInd Legend Credit Card Reward Points
- Get 1 Reward Point per ₹100 you spend on weekdays.
- You get 2 Reward Points per ₹100 you spend on weekends.
- No reward points shall be given for fuel transactions, utility bills, rental payments, education institution fees, government charges, and insurance payments.
- Medical, Automobile, and Telecom transactions shall be awarded one Reward Point per ₹100 spent throughout the week (Monday to Sunday).
Reward Redemption:
With IndusInd Legend Credit Card, the reward points earned can be redeemed in the following ways:
- Pay the outstanding amount on your card by converting Reward Points into Cash Credit. 1 Reward Point = ₹0.50 Cash Value. The IndusInd Legend Credit Card allows customers to redeem a maximum of 5,000 reward points for Cash Credit per statement cycle.
- Reward points can be redeemed at a rate of 400 Reward Points = 100 Krisflyer Miles. To convert them to Krisflyer Miles, you must have a minimum of 500 reward points. Cardholders can even redeem their Reward Points at a similar ratio for the Air India Maharaja Club.
- You can also redeem your accrued reward points at the IndusMoments portal by purchasing various products, gift vouchers, etc.
IndusInd Legend Credit Card Review
The IndusInd Bank Legend Credit Card is an entry-level card that comes with zero joining and annual charges and offers its customers some decent privileges. It’s a good choice for those just starting their credit card journey. The Legend Credit Card even provides a low foreign currency markup fee of 1.8% + GST, which can help you save on every international transaction. The Buy One Get One Free on movie tickets and yearly milestone benefits are also among the significant features of this card. The only drawback of this card can be considered the average reward rate of 1%, which applies only to weekends; for weekdays, it drops even lower to 0.50%.
For those who are looking for a lifetime free IndusInd Bank Credit Card, this card would be great.
FAQs:
Do I get Accidental Insurance with this card?
Yes, you get air accident insurance for ₹25 lakhs.
What is the markup fee charged for foreign transactions?
This credit offers a low markup fee of 1.8% for all foreign transactions.
Does this card offer any bonus reward points?
Yes, you can earn 3,000 bonus reward points on spending ₹5 lakhs or more within a year.
25 comments
Abhishek
One more update, I got my SBI CB card converted to LTF. Now I have both HDFC Swiggy and SBI CB as LTF.
Kartik Kanwar
Congrats!
Abhishek
So I applied directly on Swiggy app and got the card LTF. Seems like my RM was wrong. Both Regalia Gold and Swiggy card share the same limit.
Kartik Kanwar
Told you. Many times RMs are clueless about this stuff
Abhishek
I have this card and Axis My zone card (both LTF). I want to discontinue both of them and instead get ICICI Saphiro and Swiggy HDFC (both LTF). Should I do this. Is there ane benefit.
Kartik Kanwar
Swiggy HDFC is a must have, LTF or not. Its best to get. Sapphiro is not useful but since you are getting it as lifetime free its entirely up to your personal spending habit.
Abhishek
Will there be a problem in getting Swiggy HDFC via the Swiggy app considering I already have another HDFC card (Regalia Gold). Also, I have SBI cashback card too, so what extra benefit will I get in Swiggy HDFC (other then incremental 5% discount on Swiggy).
Kartik Kanwar
Issue comes in while going from co-branded HDFC to Core HDFC. No issue going from Regalia to HDFC Swiggy. You will get it easily. See SBI Cashback is one of the best OG Cashback credit cards, Swiggy well offers more on Swiggy, Dineout and Instamart. Plus it does the work of SBI Cashback also. It even has golf. You can buy gold with when available which isnt possible with SBI Cashback.
Abhishek
So I just had a call with my RM. He told me that I cant hold Regalia Gold and Swiggy HDFC together. I can have any other floater card with Regalia Gold (he mentioned Marriott Bonvoy), but not Swiggy HDFC. And I dont want to ditch Regalia Gold. Dont know what to do.
Kartik Kanwar
Glad to see you got Swiggy as LTF
Aditya
Does this card give 2 domestic lounge access per quarter. If yes, why in this article domestic lounge access is written as N/A
Kartik Kanwar
Airport lounge access has now been removed from IndusInd Legend.
Sanjeev
Does the LTF card offer welcome benefits?
Kartik Kanwar
No, welcome benefits are only for the paid variants.
Harsh
I head 16k joining fee for card.
What is exact renewal and joining fees?
Kartik Kanwar
Apply through our link its lifetime free.
Purvi Singh
Can the Legend Credit Card be linked to digital wallets or mobile payment platforms?
Kartik Kanwar
No, only RuPay Credit Cards can be linked to UPI.
Amrit Singh
What are the eligibility criteria for applying for the Legend Credit Card?
Rahila
18+ 750+ cibil
ROUSHAN SHARMA
Any Cash withdraw facility available on this card?
And what is limit for how many days without any Charges?
Kartik Kanwar
You can. But you shouldn’t, high charges for cash withdrawal with a credit card.
NARESH kumar GARG
HOW MANY LOUNGE ACCESS ( DOMESTIC AS WELL AS INTERNATIONAL) PER QUARTER ARE PERMISSIBLE TO ME AS A LEGEND VISA SIGNATURE CREDIT CARD HOLDER ? HOW DO I MOVE TO GET PRIORITY PASS ISSUED ON MY LEGEND VISA SIGNATURE CARD? WHAT SHALL BE ITS VALIDITY? AND WHAT SHALL BE ITS RENEWAL FEE? CAN THE UNUSED QUARTERLY ACCESS BE CARRIED OVER TO ACCUMULATE?
shubham
8920316166 contact me for the legend credit card and rupay also
drsel
2 complementary domestic lounge and zero complementary International lounge access.
So there is no point in getting Priority pass or renewing it.
Unused domestic lounge access cannot be carried forward