IndusInd Legend Credit Card
Premium lifestyle and travel benefits
Annual Fee
₹3,000
Reward Rate
2.5% Value
Lounge Access
12 Visits/Year
Key Features & Benefits
Airport Lounge Access
12 complimentary domestic airport lounge visits per year
High Reward Rate
Earn up to 2.5% value on all purchases with flexible redemption
Dining Benefits
Up to 20% discount at premium restaurants
Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps
Travel Insurance
₹20 lakh travel insurance and personal accident cover
No Foreign Markup
Zero foreign currency markup on international transactions
Reward Structure
| Category | Reward Rate | Value |
|---|---|---|
| All Purchases | 1 point per ₹100 | 2.5% value |
| International Spends | 1 point per ₹100 | 2.5% value |
| Travel Bookings | 1 point per ₹100 | 2.5% value |
Points Value: 1 Point = ₹2.50 when redeemed flexibly
Points Validity: 3 years from earning
Minimum Redemption: 2,500 points
Fees & Charges
Annual Fee
₹3,000
Joining Fee
₹3,000
Fee Waiver
On ₹3,00,000 annual spends
Interest Rate
3.35% per month
Cash Advance Fee
2.5% (Min ₹500)
Foreign Currency Markup
Nil
Eligibility Criteria
Requirements
- Age: 21-65 years
- Minimum Income: ₹40,000 per month (Salaried)
- Minimum Income: ₹4,80,000 per annum (Self-employed)
- Credit Score: 750+ (preferred)
- Good credit history
- IndusInd relationship preferred
Required Documents
- Identity Proof (Aadhaar/PAN/Passport)
- Address Proof (Aadhaar/Utility Bill)
- Income Proof (Salary slips/ITR)
- Bank Statements (3 months)
- Employment proof
- Recent photographs
Pros & Cons
✅ Pros
- High reward value (2.5%)
- Good lounge access (12 visits)
- No foreign currency markup
- Comprehensive travel insurance
- Dining discounts
- Fuel surcharge waiver
- Flexible redemption options
❌ Cons
- High annual fee (₹3,000)
- High fee waiver threshold
- Joining fee applicable
- High minimum redemption
- Points validity only 3 years
- Limited availability
Apply for IndusInd Legend Credit Card
Perfect For
- ✅ Frequent travelers
- ✅ International spenders
- ✅ Premium lifestyle seekers
- ✅ IndusInd customers
- ✅ Business professionals
Quick Application
Frequently Asked Questions
What is the processing time for IndusInd Legend Credit Card?
The card is typically processed within 7-10 working days from application submission with complete documentation. Digital card may be available sooner for existing IndusInd customers.
What are the income requirements for this card?
Minimum monthly income of ₹40,000 for salaried individuals or ₹4,80,000 annual income for self-employed professionals. Higher income may qualify for better terms.
How can I maximize my reward points?
Use the card for all purchases to earn 1 point per ₹100. Redeem points flexibly for maximum 2.5% value. Plan international spends and travel bookings with this card.
Is there a spending requirement for fee waiver?
Yes, spend ₹3,00,000 annually to get the annual fee waived for the next year. This is approximately ₹25,000 per month.
What travel benefits are included?
12 complimentary domestic airport lounge visits per year, ₹20 lakh travel insurance, personal accident cover, and zero foreign currency markup on international transactions.