Author
LoansJagat Team
Read Time
12 Minute
21 Feb 2025
IndusInd Bank Legend Credit Card – Updated 2025 Guide on Features & Benefits
Swati, with a monthly salary of ₹80,000, always dreamed of a credit card that caters to her love for travel and lifestyle. After researching, she found the Indusind Bank Legend Credit Card, perfect for her needs. She typically spends ₹40,000 to ₹50,000 a month on regular purchases, earning 1 reward point per ₹100 spent. Over weekends, her spending increases to ₹15,000 to ₹20,000, earning 2 points per ₹100.
She also benefits from fuel surcharge waivers for fuel expenses of ₹6,000 to ₹8,000 monthly, along with discounted foreign currency mark-ups for her frequent travels, which cost around ₹40,000 to ₹50,000 per trip. This card offers her the ideal mix of rewards and perks, making it the perfect fit for her lifestyle.
It wasn’t just about spending; it was about making the most of every purchase, whether for everyday needs or her passion for exploring new destinations. The Indusind Bank Legend Credit Card was indeed the perfect companion for her lifestyle!
Key Highlights Indusind Bank Legend Credit Card
- Earn Extra points on Weekend Purchases
- Enjoy a 1% waiver on Fuel Surcharge
- Exclusive Complimentary Golf Program
- Get a ‘Buy One, Get One Free’ Offer on Movie Tickets via BookMyShow Premium Travel Perks like Travel Insurance, Priority Pass, and Travel Plus Program
Benefits Indusind Bank Legend Credit Card
The Indusind Bank Legend Credit Card offers an exceptional combination of luxury and convenience, ensuring you enjoy an elevated experience with every use. Whether you are travelling, shopping, or dining, the card provides exclusive privileges and access to a world of benefits.
It is designed to cater to the needs of those who appreciate comfort and elegance, providing rewards and services that add value to your lifestyle. The Indusind Bank Legend Credit Card offers the best wherever you go, from travel perks to personalised offers.
Welcome Benefits | 1. Indulge in best-in-class luxury and pamper your senses at the Oberoi Chain of Hotels. |
Entertainment Benefits | 1. Enjoy buy one, get one free on movie tickets through BookMyShow |
Travel Benefits | 1. Get complimentary access to 600+ airport lounges worldwide, making your travels even more comfortable. 2. Access to the priority pass program: USD 35 3. 8 complimentary access to airport lounges all over the world with the Travel Plus Programme 4. The Travel Plus programme is available at an allotment fee of ₹5,000 p.a 5. Get lost baggage insurance of ₹1,00,000, lost ticket insurance of up to ₹25,000, and more. |
Concierge Benefits | 1. With the card avail the concierge benefits of a team dedicated to information about your travel destination, weather, important landmarks, modes of transport, etc. |
Auto assist benefits | 1. Accident management and medical assistance 2. Emergency fuel supply 3. Flat tyre service 4. Lost keys 5. Battery service 6. Emergency towing assistance |
Assurance Benefits | 1. Total Protect Programme offers coverage equal to your credit card limit including add-on cards. 2. Cover for unauthorised transactions 3. Protection against Counterfeit frauds |
Reward Benefits | 1 reward points for every ₹100 spend on weekdays 2 reward points for every ₹100 on weekends. |
Other Benefits | 1. Faster day-to-day payments at merchant locations accepting contactless payments. 2. Safe online shopping and e-commerce transactions. 3. Shopping at 10,00,000 merchant outlets in India and over 30 million outlets worldwide that accept card payments. 4. Booking movie tickets and flight tickets, utility bill payments, etc. |
Let’s understand with an example how can someone use these benefits.
Ravi, with a monthly salary of ₹70,000, is always on the go, balancing work, travel, and entertainment. Here's how he makes the most of his IndusInd Bank Legend Credit Card over a month:
- Weekday Shopping:
Ravi spends ₹25,000 on groceries and dining, earning 1 reward point per ₹100 spent. - Weekend Spending:
He spends ₹10,000 on weekends and earns 2 reward points per ₹100. - Movie Nights:
Ravi enjoys buy 1, get 1 free movie ticket and ₹50 off on F&B via BookMyShow. - Fuel:
Spends ₹6,000 on fuel and enjoys fuel surcharge waivers. - Travel:
Uses his card for 600+ lounge access, lost baggage insurance (₹1,00,000), and lost ticket insurance (₹25,000) during a business trip. - Emergency Assistance:
Calls for flat tyre service and emergency fuel supply through the card’s Auto Assist benefits. - End of Month:
Earns ₹3,000 worth of reward points and enjoys lounge access and concierge services for future travels.
Indusind Bank Legend Credit Card Cashbacks and rewards
- Earn 3,000 bonus reward points on spends of ₹5,00,000 or above within one year from the date of credit card issue.
- 0.70 Reward Points for every ₹100
- (on weekends and weekdays)
- The bonus points will be credited within 45 days post-completion of 1 year.
- Priority Pass for you and your partner if your estimated spend is ₹16,261
- Complimentary movie tickets once a month if your estimated spend is ₹2,400
- Additional savings on fuel surcharge if your estimated spend is ₹2,400
- Annual value of reward points earned on an average spend of ₹30,000 per month (450 points per month).
Indusind Bank Legend Credit Card Fees and Other Charges
Type | Charges |
Annual fees | Nil |
Joining fees | ₹9,999 |
Financial charges | 3.83% monthly (46% per annum) |
Over limit charges | 2.5% of Over Limit Amount subject to a minimum of ₹500 |
Returned cheque | ₹250 Example: 1. Amit tried to make a ₹250 payment using a cheque for his credit card. 2. The cheque was returned unpaid because there were insufficient funds in his account. 3. As a result, Amit's bank charged a ₹250 returned cheque fee. 4. The fee was applied to cover the administrative costs of handling the returned cheque. |
Add on card fees | Nil Example: 1. John doesn’t have to pay any extra Add-on Card Fee for giving his sister Sarah an Add-on Card with his Legit Credit Card. 2. Since the Add-on Card Fee is nil (zero) with IndusInd Bank, John doesn’t incur any additional annual fees when Sarah gets the card. |
Balance enquiry charge | ₹25 |
Cash advance charges | Waived |
Foreign currency markup | 1.8% |
Late payment fees | Outstanding balance up to ₹100- Nil From ₹101 to ₹500 - ₹100 From ₹501 to ₹1,000 - ₹350 From ₹1,001 to ₹10,000 - ₹550 From ₹10,001 to 25,000 - ₹800 From ₹25,001 to ₹50,000 - ₹1,100 Above ₹50,000 - ₹1,300 |
Indusind Bank Legend Credit Card Pros and Cons
The IndusInd Bank Legend Credit Card is designed to offer a premium experience with a wide array of benefits and features, making it an ideal choice for those who seek luxury, rewards, and exclusive privileges. While it provides significant advantages, it’s also important to consider the potential downsides before making a decision. Below, we’ll explore the pros and cons of this credit card to help you make an informed choice:
Pros
- Exclusive Rewards: Earn accelerated reward points, especially on weekend spending, giving you more value for your purchases.
- Premium Travel Benefits: Access to 600+ airport lounges worldwide through the Priority Pass, along with travel insurance and the Travel Plus Programme.
- Fuel Surcharge Waiver: Enjoy a 1% waiver on fuel surcharge, saving on your fuel purchases.
- Luxury Services: Comprehensive benefits like complimentary golf programs and Buy One Get One Free movie tickets through BookMyShow.
- Global Protection: Total Protect program covers you for unauthorized transactions in case of loss or theft of your card, with coverage up to 48 hours before reporting.
Cons
- High Joining Fee: The annual fee for this card can be higher compared to regular credit cards, which might not be ideal for all users.
- Eligibility Criteria: You may need a high credit score and a stable income to be eligible for the Indusind Bank Legend Credit Card.
- Limited Availability: Some of the benefits, like travel-related perks, are more beneficial for frequent travellers.
- Annual Fee on Travel Plus: There is an enrolment fee of 9,999 for the Travel Plus Program, which might not justify the cost for some cardholders.
- Foreign Currency Mark-Up: While there’s a discounted foreign currency mark-up of 1.8%, it’s still an additional charge when using the card internationally.
Eligibility Criteria for Indusind Bank Legend Credit Card
Eligibility Criteria | Details |
Citizenship | Must be a citizen of India. |
Employment Status | Must be salaried or self-employed. |
Age Requirement | Must be between 21 and 65 years old. |
Credit Score | Must have a good credit score. |
Minimum Monthly Income | Must have a minimum monthly income of ₹20,000. |
Required Documents to Apply for Indusind Bank Legend Credit Card
When applying for a Indusind Bank Legend Credit Card lenders require specific documents to verify your identity, income, and financial stability. These documents help banks evaluate your creditworthiness and determine the appropriate credit limit and interest rates for your card.
Required Documents:
1. Proof of Identity
Essential for verifying your identity and nationality. Common documents include:
- Passport
- Voter ID Card
- Aadhaar Card
- Driving License
2. Proof of Address
To confirm your residential address, banks typically request:
- Utility Bills (Electricity, Water, Gas)
- Rental Agreement
- Passport
- Aadhaar Card
3. Proof of Income
To assess your repayment capacity:
- For Salaried Individuals:
- Recent Salary Slips
- Form 16 or Income Tax Returns
- Bank Statements from the last 3 to 6 months
- Recent Salary Slips
- For Self-Employed Individuals:
- Income Tax Returns for the last two years
- Business Continuity Proof
- Profit and Loss Statements
- Income Tax Returns for the last two years
4. Photograph
- A recent passport-sized photograph is usually required.
5. PAN Card
- Essential for financial transactions and tax purposes.
How to Apply for a Indusind Bank Legend Credit Card
To apply for the IndusInd Bank Legend Credit Card, follow these simple steps and enjoy the exclusive benefits and privileges that come with it. Whether you're looking for luxury, rewards, or travel perks, this card is designed to elevate your lifestyle. The application process is straightforward, and you can easily apply online or at a branch. Here’s how to get started:
Step 1: Go to their official website.
Step 2: In the navbar, you will see an option “Choose Your Credit Card.” Click on that and scroll down until you find “Indusind Bank Legend Credit Card.”
Step 3:Click on the “Apply Now” button.
Step 4: Enter your PAN number and Mobile Number and click the “Next” button.
Step 5: Fill in the details that have been asked.
Step 6: After filling in your details you will get to know the different types of cards they are offering. Choose the one that you want to have like “a Indusind Bank Legend Credit Card.” There you can see the card limit with the respective cards.
Step 7: After selection, you have to fill in some details regarding the particular credit card you chose.
Step 8: After filling in all the details you will receive an OTP, which you have to fill for verifying the KYC.
Step 9: The last step is to click on the “Proceed Fith Video KYC,” in which you will be connected with an agent who will ask some questions. Answer them accordingly.
Step 10: The agent will inform you that your video KYC has been completed and your card will be delivered to your doorstep within 5-7 working days.
Conclusion
The IndusInd Bank Legend Credit Card is more than just a payment tool; it’s an exclusive gateway to a world of luxury and unmatched privileges. Designed for individuals who appreciate the finer things in life, this card offers unique features and benefits that cater to globetrotters, food lovers, and anyone who seeks convenience at its best.
A credit card is not just about spending, it’s about how you leverage it to enhance your lifestyle. With the IndusInd Bank Legend Credit Card, you gain access to extraordinary rewards, travel perks, and a level of comfort that redefines luxury.
This card isn’t just a financial tool; it’s an experience. Apply for the IndusInd Bank Legend Credit Card today and enjoy instant approval, taking your financial journey to new heights. Elevate your lifestyle and discover a world where convenience and privilege meet.
FAQ’s Related to Indusind Bank Legend Credit Card
1. What is the interest-free period for the Indusind Bank Legend Credit Card?
The interest-free period for the Indusind Bank Legend Credit Card is up to 50 days. However, the interest-free period will not be given f the total amount due is not paid.
2. How can I maximise benefits on my Indusind Bank Legend Credit Card?
You can maximise benefits on your Indusind Bank Legend Credit Card in the following ways:
- Use your credit card often and preferably for all your purchases. It will give you more opportunities to earn reward points that you can redeem later.
- Make the best use of the interest-free period on your credit card for big-ticket purchases.
- Make use of the numerous perks offered on your credit card.
- Do not use your credit card to withdraw money to save on cash withdrawal charges.
3. Can contactless transactions be done on the Indusind Bank Legend Credit Card?
Yes, the contactless feature on the Indusind Bank Legend Credit Card enables you to make fast, convenient, and secure everyday purchases.
4. How can I redeem the reward points earned?
Customers can redeem their reward points for a range of exciting benefits, including making credit card payments, obtaining vouchers, earning air miles, or enjoying cashback on future purchases.
5. Do Reward Points expire on the Indusind Bank Legend Credit Card?
All reward points earned on Indusind Bank Legend Credit Card are live till the credit card account is live. So our customers don't need to worry about the expiry of their reward points.
About the Author
LoansJagat Team
We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?
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