IndusInd Bank
IndusInd Bank Legend Credit Card
Data last verified: 11 October 2026
- Joining fee₹5,000 + GST
- Annual feeFree
- Reward rate0.72% on most spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹5,000 + GST
- Annual feeFree
- Forex markup1.8%
- Interest (APR)3.95% a month, 47.4% a year
The Legend card rewards weekends. You earn 2 reward points per Rs 100 on Saturday and Sunday spends and 1 point per Rs 100 on weekdays. Points are worth about 50 paise each and never expire. Spend Rs 5 lakh in a card year and you get 3,000 bonus points.
There is a one-time joining fee of ₹5,000 and no annual fee after that, so the cost is fully upfront. Its standout feature is the 1.8% forex markup, well below the usual 3.5%, which makes it a sensible card to carry abroad.
It suits people who spend more on weekends and travel overseas now and then. The catch is that complimentary lounge access has been removed, cash redemptions carry a fee of Rs 149 plus GST, and bills, rent, insurance and education earn a reduced rate.
Best for: People who spend mostly on weekends, Occasional international travellers, Users earning Rs 1 lakh a month or more, Anyone who prefers a one-time fee over yearly charges.
01IndusInd Bank Legend Credit Card Rewards and Benefits
02IndusInd Bank Legend Credit Card Annual Fee and Charges
- Joining fee
- ₹5,000 + GST
- Annual fee
- Free
- Spend-based waiver
- None
- Rewards redemption fee
- ₹100 per request
- Forex markup
- 1.8%
- Interest rate
- 3.95% a month (47.4% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 0.72%₹144
- Back each month, ₹1,728 a year₹144
- In your pocket each year₹1,728
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Anyone who wants no annual fee, ever
- Spending abroad: 1.8% markup, most cards add 3.5%
Skip it if…
- most of your spending is fuel: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you sometimes pay only the minimum due: interest of 3.95% a month (47.4% a year) outweighs any reward
04Product Details
- ₹5,000 joining fee, no annual fee
- 2 reward points per ₹100 on weekends, 1 on weekdays
- Points never expire
- 3,000 bonus points on ₹5 lakh spend in a card year
- 1.8% forex markup
- BookMyShow buy-one-get-one, up to ₹200 off the second ticket
- Fuel surcharge waiver on ₹500 to ₹3,000 transactions, up to ₹100 a cycle
05Pros and Cons
Pros
- Low 1.8% forex markup
- No annual fee after joining
- Weekend spends earn double
- Points do not expire
Cons
- Complimentary lounge access has been discontinued
- Cash redemption costs ₹149 plus GST each time
- Only 0.7 points per ₹100 on utilities, rent, insurance, education and government payments
- No points on fuel
06How IndusInd Bank Legend Credit Card earns Rewards
0.72% on most spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.72% | No cap | The card's normal rate |
| Dining and food delivery | 0.72% | No cap | The card's normal rate |
| Groceries | 0.72% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.72% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.35% | No cap | All merchants in the categoryTerms: 0.70 RP per ₹100 (~0.35%) on utility bill payments, the reduced rate from IndusInd's 1 Aug 2019 revision, not the 1.43 base |
| Rent | 0.35% | No cap | All merchants in the categoryTerms: 0.70 RP per ₹100 (~0.35%) on real estate and rental payments, added to the reduced list effective 20 January 2022 |
| Insurance premiums | 0.35% | No cap | All merchants in the categoryTerms: 0.70 RP per ₹100 (~0.35%) on insurance premium payments, reduced rate, 1 Aug 2019 revision |
| School and college fees | 0.35% | No cap | All merchants in the categoryTerms: 0.70 RP per ₹100 (~0.35%) on education institute fees, reduced rate, 1 Aug 2019 revision |
| Wallet top-ups | 0.72% | No cap | The card's normal rate |
| Taxes and government payments | 0.35% | No cap | All merchants in the categoryTerms: 0.70 RP per ₹100 (~0.35%) on government services, charges and payments, reduced rate, 1 Aug 2019 revision |
| Spend abroad or in a foreign currency | 0.72% | No cap | The card's normal rate |
| Everything else | 0.72% | No cap | The card's normal rate |
Terms on the base rate. Calendar-weighted 1.43 RP per ₹100 to 1 RP per ₹100 on weekdays and 2 per ₹100 on weekends. Since 1 January 2022 medical, automobile and telecom spends earn 1 RP per ₹100 on weekdays and weekends alike. Points never expire; fuel earns nothing.
Point value. 1 point is worth about ₹0.5 at the bank's stated value.
07IndusInd Bank Legend Credit Card Travel Benefits
Spending abroad carries a 1.8% forex markup; rewards on it: 0.72% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, milestone bonuses, movie ticket offers.
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel transactions from ₹500 to ₹3,000, capped at ₹100 in a billing cycle, a hard ceiling of ₹1,200 a year
- Milestone bonuses: 3,000 bonus reward points on ₹5,00,000 spend in an anniversary year (primary plus add-on), credited within 45 days. Low-MCC spends do not count, fuel, transport and tolls, utilities, insurance, education, telecom, brokers and government. Modelled as recurring; IndusInd's wording is ambiguous.
- Movie ticket offers: BookMyShow buy-one-get-one free (up to ₹200 off the second ticket)
08IndusInd Bank Legend Credit Card Eligibility and Documents
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What IndusInd Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Jun 2026 | Reduced: New fuel/transport surcharges and higher DCC fee | No fuel/transport surcharge; 1% + GST DCC | 1% + GST fuel >₹30k/cycle; 1% + GST transport >₹40k/cycle; DCC 2% + GST |
| 21 Dec 2025 | Reduced: Complimentary air-accident insurance withdrawnSource: IndusInd Bank | Complimentary air-accident cover provided with the card | No air-accident cover |
| 1 Apr 2025 | Reduced: Redemption fee raised; Pay-with-Rewards value cutSource: IndusInd Bank | Redemption fee ₹100 + GST; no 50% balance cap | ₹149 + GST per cash redemption; twid 12.5% travel / 10% other from 2nd txn; 50%-of-balance cap |
| 7 Mar 2025 | Reduced: Complimentary airport lounge access discontinued | Complimentary domestic lounge + Priority Pass membership | No complimentary lounge (Priority Pass membership retained, pay per visit) |
| 21 Jan 2025 | Reduced: InterMiles redemption route discontinued | Points → InterMiles | InterMiles route withdrawn |
See this card's change history → · All card changes in June 2026 →
10Cards Similar to IndusInd Bank Legend Credit Card
IndusInd Bank Legend Credit Card is a rewards card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IndusInd Bank Legend Credit Card |  Federal Scapia Credit card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹5,000 + GST | Lifetime free | ₹499 + GST |
| Annual fee | Free | Lifetime free | ₹499 + GST |
| Rewards | 0.72% on most spends | 2% on most spends; 4% only at partner merchants | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | Not included | Unlimited | Not included |
| Forex markup | 1.8% | 0% | 3.5% |
| Type | Rewards | Travel | Fuel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your IndusInd Bank Legend Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Does the IndusInd Legend card have an annual fee?
No. You pay a ₹5,000 joining fee once and there is no annual fee after that.
What is the forex markup?
1.8% on foreign currency spends, which is lower than most cards.
Does it still give airport lounge access?
No, complimentary lounge access was discontinued. The Priority Pass membership remains but visits are paid.
What is the joining fee for the IndusInd Bank Legend Credit Card?
The joining fee is ₹5,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IndusInd Bank Legend Credit Card?
The annual fee is Free.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IndusInd Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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