By Ankur Mittal
Updated On December 1, 2023

IndusInd Legend Credit Card issued by the bank is a premium card targeting high-net-worth individuals. Right now, you can avail this credit card with no annual fee. It is a lifetime free card offered by IndusInd Bank. It welcomes you with exclusive gift vouchers from some of the top brands. For every transaction of Rs. 100, you get up to 1 reward points, and these points can be redeemed against an array of alternatives, including statement cash, Airmiles, products, gift vouchers, etc. Other than the regular reward points, you can earn 4,000 bonus reward points on achieving the annual milestone spend.

To give you rewarding travel experiences, the card offers complimentary domestic lounge visits every quarter and membership to the Priority Pass Program, through which you can access over 1,000 premium lounges globally. Moreover, you also get access to complimentary golf sessions at some of the premium golf courses in India. Keep on reading our IndusInd Legend credit card review to know more about the features of the card.

IndusInd Bank Pinnacle World Credit Card


Joining Fee


Renewal Fee


Best Suited For

Travel | Shopping |

Reward Type

Reward Points

Welcome Benefits

Choose one of these: a Luxe gift card, a complimentary stay at Oberoi Chain of Hotels, Montblanc products, Postcard hotel stays, and Vouchagram gift vouchers from popular brands like Charles Keith, Bata, Raymond, Pantaloons, etc.

Movie & Dining

BOGO on 1 movie ticket every month up to Rs. 200.

Rewards Rate

1 Reward Point per Rs. 100 spends on weekdays and 2 Reward Points for every Rs. 100 you spend on weekends.

Reward Redemption

1 RP = 1 InterMiles for redemption against Intermile, 1 RP = Re. 1 for redemption against cash credit, and 1 RP = 1 CV Point for redemption against Club Vistara Points.


Complimentary domestic and international airport lounge access with Priority Pass membership



Domestic Lounge Access

2 Free Domestic Airport Lounge Access Every Quarter (8 Each Year)

International Lounge Access

8 complimentary visits with the Priority Pass Membership.

Insurance Benefits

Get a Complimentary Air Accidental cover of Rs 25 Lakhs. Complimentary Lost baggage Insurance of Rs 1 lakh and several other travel insurance covers.

Zero Liability Protection

Lost card liability is applicable from 2 days before reporting and till 7 days after informing the loss of card.

Spend Based Waiver


Rewards Redemption Fee

Rs. 100

Rewards Redemption Fee

Rs. 100

Foreign Currency Markup

1.80% on all foreign currency transactions

Interest Rates

3.83% per month (46% per annum)

Fuel Surcharge

1% of Fuel Surcharge Waiver applicable at all fuel stations across India.

Cash Advance Charges

2.5% of the transaction amount (Minimum charge of Rs. 500)

Add-on Card Fee


  • Enjoy exclusive welcome benefits, including gift vouchers from Oberoi hotels, Luxe, Montblanc, Post Card Hotels, and various shopping brands.
  • Complimentary domestic airport lounge visits.
  • Complimentary Priority Pass membership.
  • Buy 1 Get 1 Free (BOGO) offer on movie tickets via BookMyShow.
  • 4,000 bonus Reward Points under the milestone benefits.
  • Lower foreign currency markup fee of 1.8%.
  • 1% of Fuel Surcharge Waiver.
  • Complimentary Air Accidental cover of Rs. 25 Lakhs.


  • This is a lifetime free credit, which comes with no annual charges.
  • You get a complimentary Priority Pass Membership, which is very useful for frequent fliers.


  • There is only one BOGO offer per month with this card.
  • There are no dining offers provided along with this credit card.

IndusInd Legend Credit Card Features & Benefits

Welcome Benefits

With IndusInd Legend Credit Card, cardholders can choose one of the following options as a welcome gift:

  • A Luxe gift card after successful payment of the annual joining fee,
  • Gift vouchers from any of the brands, such as vouchers of Charles Keith, Yatra, Louis Philippe, Hush Puppies, Urban Ladder, and more from Vouchagram.
  • Discounted gift vouchers from Vouchagram for E-merchants and essential brands like Flipkart, Amazon, Apollo Pharmacy, Zee5, Ola, Uber, and more.
  • Complimentary Mont Blanc Gift Vouchers that can be redeemed at Mont Blanc Retail boutiques and are valid for six months.

These benefits are available on the select fee plan of this card.

Movie & Dining Benefits

  • With the IndusInd Legend Credit Card, you get to buy one get one offer on movie tickets when you book them on BookMyShow.
  • Avail of up to 1 free ticket per month with Book My Show.
  • The price of the free ticket is capped at Rs. 200.
  • With Book My Show for booking your movie ticket, you get an additional Rs. 50 off if you choose the Food and Beverages option.

Travel Benefits

  • Enjoy two complimentary domestic lounge visits quarterly.
  • Get a complimentary Priority Pass Membership worth $99 and get access to more than 600 lounges worldwide under the Priority Pass with complimentary domestic & international lounge access.
  • You will have to pay usage charges of $27 for accessing the lounges after the limit of 8 complimentary international lounge visits.
  • You can get the Travel Plus program, which waives the charges for a maximum of 8 international lounge usage per year. For this, there is an enrolment charge of Rs. 5,000.
  • 2 complimentary domestic lounge visits with the MasterCard variant of the IndusInd Legend Credit Card.

Milestone Benefit

You can earn 4,000 bonus Reward Points on achieving a spend of Rs. 6 lakhs or more within one year from the card issuance date. Both primary and add-on spends are eligible to avail of this offer. The bonus point will be credited within 45 days of completion of one year.

Insurance Benefits

With the IndusInd Legend Credit Card, get a complimentary personal Air Accidental cover worth Rs. 25 Lakhs. The other Insurance covers that you get with this credit card are:

Insurance Coverage Sum Assured
Lost Baggage Rs 1,00,000
Delayed Baggage Rs 25,000
Loss of Passport Rs 50,000
Lost Ticket Rs 25,000
Missed Connection Rs 25,000

Concierge Benefits:

With IndusInd Legend Credit Card, you can avail of concierge benefits with 24×7 assistance. The concierge services provided are as follows:

  • Hotel Reservations
  • Pre-Trip Assistance
  • Flowers and Gifts
  • Flight Booking
  • Sports and Entertainment Booking
  • Exclusive Booking

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 Rs. 100 you spend on weekdays.
  • You get 2 Reward Points per Rs. 100 you spent 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 Rs. 100 spent throughout the week (Monday to Sunday).

Revision of Reward Structure for IndusInd Bank Credit Cards.

Reward Redemption:

With IndusInd Legend Credit Card, the reward points earned can be redeemed in the following ways:

  • Pay the outstanding on your card by converting Reward Points into Cash Credit. 1 Reward Point = 0.75 Cash Value.
  • Customers can redeem a maximum of 20,000 reward points for Cash Credit per statement cycle on the IndusInd Legend Credit Card.
  • Reward points can be redeemed at a rate of 100 Reward Points = 100 Intermiles; there is a minimum requirement of 500 reward points to convert it to Intermiles.
  • The reward can also be redeemed against Club Vistara Points at a rate of 100 Reward Points = 100 CV Points.
  • You can also redeem your accrued reward points at the IndusMoments portal by purchasing various products, gift vouchers, etc.

IndusInd Legend Credit Card Review

IndusInd Bank Legend Credit Card is one of the premium cards that comes as a lifetime free credit card and provides its customers with some world-class privileges. It can be regarded as a good pick for those who travel frequently, not solely because it provides complimentary access to lounges, but also due to its low foreign currency markup fee that can help you save on every foreign transaction. The reward programs, welcome benefits, and milestone benefits are also among the significant features of this card. So, if you want a premium card with multiple benefits, this card would be a decent choice.


The charge for enrolling in the Travel Plus Programme is Rs 5000.

Yes, you get an Air Accidental Insurance of Rs 25 Lakhs.

This credit offers a low markup fee of 1.8% for all foreign transactions.

Yes, you can earn 4000 bonus reward points on spending Rs 6 lakhs or more within a year.

IndusInd Bank Pinnacle World Credit Card

IndusInd Legend Credit Card



  1. NARESH kumar GARG Reply


    • drsel Reply

      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


    Any Cash withdraw facility available on this card?
    And what is limit for how many days without any Charges?

  3. Amrit Singh Reply

    What are the eligibility criteria for applying for the Legend Credit Card?

  4. Purvi Singh Reply

    Can the Legend Credit Card be linked to digital wallets or mobile payment platforms?

    • Kartik Kanwar Reply

      No, only RuPay Credit Cards can be linked to UPI.

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