IndusInd Bank Legend Credit Card
INDUSIND · MASTERCARD★ 4.6/ 5
✓ Details last verified 1 Jan 2025
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Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹10,000 in vouchers, points or cashback on card activation
1.25% on Travel
5X reward points on travel and hotel bookings
1.25% on International
5X points on international transactions
Airport Lounge Access
[DISCONTINUED Mar 2025] Airport lounge access removed. Card retains golf and concierge benefits.
Golf Privileges
12 complimentary golf rounds per year
24x7 Concierge
24x7 lifestyle and travel concierge service
Movie Ticket Benefit
Up to 3 BOGO movie tickets/month via BookMyShow (lounge discontinued Mar 2025)
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
12 rounds
Golf rounds/year
₹6,000
Golf perk value
- 24x7 lifestyle and travel concierge
- 12 complimentary golf rounds/year at partner courses
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
✓
Domestic lounges
✓
International lounges
₹25,000
Estimated annual value
2%
Forex markup
1.3%
Travel reward rate
- Domestic + international airport lounge access (worth ~₹25,000/yr)
- Low forex markup: 2.0%
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- Up to 3 BOGO movie tickets/month via BookMyShow (lounge discontinued Mar 2025)
Krishnan travels internationally every month and pays 3.5% forex markup on his current card — losing ₹10,500/year on ₹3L international spend. IndusInd Legend has zero forex markup on the Visa variant [NOTE: Airport lounge access discontinued March 7, 2025 — card now leads with movie tickets and golf] via DragonPass, and 5X points on travel. Net saving vs his current card: ₹10,500 in forex + ₹25,000 in lounge value = ₹35,000 net benefit on a ₹9,999 fee.
Who is this for?
For frequent international travellers who pay forex markup on every overseas transaction. Zero markup + unlimited Priority Pass/DragonPass at the premium tier — rare combination in India. Especially strong for NRIs who travel India-abroad frequently and want both domestic and global lounge access.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.35 (up to ₹0.70 via best route). How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | reward points | 1.25% | — |
| International | reward points | 1.25% | — |
| Dining | reward points | 0.75% | — |
| Other | reward points | 0.38% | — |
Travel: 5X reward points on travel and hotel bookings
International: 5X points on international transactions
Dining: 3X reward points on dining
Other: 1.5X reward points on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
12 complimentary golf rounds per year
24x7 lifestyle and travel concierge service
[DISCONTINUED Mar 2025] Airport lounge access removed. Card retains golf and concierge benefits.
Up to 3 BOGO movie tickets/month via BookMyShow (lounge discontinued Mar 2025)
Should you get it?
- Best for: Monthly international traveller on business or personal trips, NRI visiting India frequently who wants zero forex, Currently paying 2–3.5% forex markup on another premium card, Wants unlimited lounge at a ₹10,000 fee vs ₹25,000+ super-premium
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Travel (1.25% back).
- Frequent travellers benefit from the included airport lounge access.
Pros
- Zero forex markup on Visa variant — international spends cost exactly what they should
- Unlimited domestic + international lounge via DragonPass — better than Priority Pass at some airports
- 5X reward points on travel and hotel spends — accelerated earn on your biggest travel expenses
- Competitive against HDFC Regalia Gold at similar fee but with stronger international focus
Cons
- IndusInd has smaller branch network than HDFC or ICICI — not ideal if you need in-person banking support
- Reward redemption catalogue less extensive than legacy bank portals
- ₹9,999 annual fee with no waiver option — a fixed annual cost regardless of spend
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your indusind reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Above-average base value
Premium cards (Pinnacle/Legend)
✈ TRANSFER PARTNERS
The concern
No fee waiver exists and IndusInd's rewards catalogue is shallow — the card is bought for its travel perks, not its points.
Bottomline
CardAdvisor Rating: 4.6 / 5Legend is the value play in premium travel cards: the zero-forex/unlimited-lounge combination usually costs ₹25,000+ elsewhere, here it is ₹9,999. Frequent international travellers outside the HDFC/Axis ecosystems should shortlist it immediately.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the IndusInd Bank Legend Credit Card are taken from INDUSIND's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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