In-depth review
IndusInd Bank Legend Credit Card
Read the current terms, not the old reviews. The IndusInd Legend was genuinely compelling — zero forex, unlimited global lounges, below super-premium pricing — but in 2026 it's been dismantled: lounge access was discontinued in March 2025, forex is 1.8% (not 0%), and InterMiles redemption is gone. What's left is a decent rewards card that costs ₹5,000 once at the front and nothing on renewal — nothing like the travel flagship the marketing implies.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
0.72% on Other
Calendar-weighted 1.43 RP per ₹100 — 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.
0.35% on Education
0.70 RP per ₹100 (~0.35%) on education institute fees — reduced rate, 1 Aug 2019 revision
Movie Ticket Benefit
BookMyShow buy-one-get-one free (up to ₹200 off the second ticket)
Milestone Bonus
~₹1,500 in bonus rewards on hitting annual spend milestones
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- BookMyShow buy-one-get-one free (up to ₹200 off the second ticket)
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹1,500
Milestone bonus value
- 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.
For existing holders and IndusInd customers happy to pay once for a rewards card with weekend-boosted earning and no renewal fee. No longer a travel card — the lounge and zero-forex draws are gone.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.50. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 0.72%1.43 pts/₹100 × ₹0.50 | — |
| Education | reward points | 0.35%0.7 pts/₹100 × ₹0.50 | — |
| Government & Tax | reward points | 0.35%0.7 pts/₹100 × ₹0.50 | — |
| Insurance | reward points | 0.35%0.7 pts/₹100 × ₹0.50 | — |
| Rent | reward points | 0.35%0.7 pts/₹100 × ₹0.50 | — |
| Utility Bills | reward points | 0.35%0.7 pts/₹100 × ₹0.50 | — |
Other: Calendar-weighted 1.43 RP per ₹100 — 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.
Education: 0.70 RP per ₹100 (~0.35%) on education institute fees — reduced rate, 1 Aug 2019 revision
Government & Tax: 0.70 RP per ₹100 (~0.35%) on government services, charges and payments — reduced rate, 1 Aug 2019 revision
Insurance: 0.70 RP per ₹100 (~0.35%) on insurance premium payments — reduced rate, 1 Aug 2019 revision
Rent: 0.70 RP per ₹100 (~0.35%) on real estate and rental payments — added to the reduced list effective 20 January 2022
Utility Bills: 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
Earns nothing on: Fuel
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | Free |
| Joining fee (incl. 18% GST) | ₹5,900 |
| Finance charge (APR) | 3.95% p.m. |
| Forex markup | 1.8% |
| Reward redemption fee | ₹100 |
Perks & benefits
Estimated annual value beyond rewards — ~₹3,700/yr in total.
BookMyShow buy-one-get-one free (up to ₹200 off the second ticket)
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
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.
Spend milestone
- ₹5,00,000 a year₹1,500 of value
Should you get it?
- Best for: Existing holders and IndusInd customers happy to pay once for a rewards card with no renewal fee, Weekend spender who benefits from the 2 RP/₹100 weekend rate, Long-term holder, since the cost is front-loaded and never repeats, Regular BookMyShow user who values the buy-one-get-one movie benefit
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on everyday spends (0.72% back).
Pros & cons
✓ Pros
- No annual fee at all — the ₹5,000 is a one-time joining charge, with nothing to pay on renewal
- 2 reward points per ₹100 on weekends (1 per ₹100 on weekdays), with points that never expire
- 3,000-point bonus at ₹5 lakh of annual spend
- BookMyShow buy-one-get-one free (up to ₹200 off the second ticket)
✕ 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
- The travel draws are gone — lounge access was discontinued March 2025, forex is now 1.8%, and InterMiles redemption ended
- From 15 June 2026 a 1% fee plus GST applies to fuel spends above ₹30,000 in a billing cycle and to non-air transport spends above ₹40,000, and rent paid through third-party merchants carries 1% plus GST on every transaction
- Dynamic currency conversion doubled to 2% plus GST on 15 June 2026, charged on top of the 1.8% forex markup when an overseas merchant bills you in rupees
- Redeeming points for cash credit costs ₹149 plus GST, and any other redemption costs ₹100
- A one-time ₹5,000 joining fee is a real entry cost for a card whose travel perks have been removed, and IndusInd's hub still badges the Legend "Lifetime Free" while its Schedule of Charges does not
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.
- 🎁IndusMoments catalogue — vouchers, merchandise and travel bookings
- 🎁Pay with Rewards at partner merchants through twid
- 🎁Transfer to Singapore Airlines KrisFlyer
- 🎁Transfer to Air India Maharaja Points at 400 reward points = 100 Maharaja Points — minimum 500 reward points, in multiples of 100, capped at 25,000 reward points a calendar month
- 🎁Cash credit at ₹0.50 a point — minimum 500 points, capped at 5,000 points a calendar month
- 🎁Since 1 April 2025 a cash redemption can draw on no more than 50% of the reward-point balance and costs ₹149 plus GST (₹100 for non-cash redemptions)
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
Brand & e-gift vouchers
Three partners only — Air India Maharaja, Singapore KrisFlyer and Club ITC. Ratios are per-card AND per-partner: Air India is 1:1 on Pioneer Private & Tiger (⇒ ₹1/pt), 2:1 on Pinnacle/Heritage/Indulge, 4:1 on Legend. KrisFlyer is 1:1 on Pioneer Private but 4:1 on Tiger — the same card, a different partner. Club ITC 1:1 is Pioneer Private only. Capped at 10,000 pts/month to KrisFlyer.
✈ Transfer partners
Direct transfers from this card only, ranked by what a point is worth in the destination programme. Full calculator, every currency →
The headline perks that made it famous (zero forex, unlimited lounges, InterMiles) have all been removed, while the joining fee is real — do not buy it for travel, and ignore older reviews.
Frequently asked questions
Was lounge access removed?
What is the movie benefit?
What is the forex markup?
Is this card lifetime free?
How does the card earn reward points?
How has the IndusInd Bank Legend Credit Card changed over time?
Has the IndusInd Bank Legend Credit Card been devalued recently?
When did the IndusInd Bank Legend Credit Card's fees last change?
How did the IndusInd Bank Legend Credit Card change in 2025?
The bottom line
Judge it on 2026 terms: the pricing is one-time — ₹5,000 in, then no annual fee ever — but the travel flagship is gone, with lounge access discontinued in March 2025, forex at 1.8% and InterMiles redemption ended. As a weekday/weekend rewards card with no renewal cost it is perfectly fine; as the zero-forex, unlimited-lounge card the catalog described, it no longer exists. Confirm your own fee point before applying — IndusInd sells the Legend on more than one.
How this page was built
Counted from this card’s own record: 6 earn rules, the spends listed as earning nothing and 3 recorded perks.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the IndusInd Bank Legend Credit Card are taken from IndusInd Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for IndusInd Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
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IndusInd Bank Platinum Aura Edge Credit Card
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IndusInd Bank Pioneer Legacy Credit Card
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The top card of IndusInd's Pioneer Private banking tier — reserved for Private-banking clients, not available to apply for. It earns 3 reward points per ₹100 that redeem at a genuine ₹1, giving an effective 3%, alongside zero forex markup, unlimited domestic and international lounges, unlimited golf and a first-year Taj Epicure or Club ITC dining membership. One of the strongest super-premium cards in India — if you can access it.
IndusInd Bank Crest Credit Card
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IndusInd Bank Indus Solitaire Credit Card
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Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2016 · last change Jun 2026
2026
- ▼ FeeEffective 15 Jun 2026
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
Effective 15 June 2026 IndusInd added a 1% + GST fuel surcharge on cumulative fuel spends above ₹30,000 per statement cycle (Legend is a standard variant), a 1% + GST transport surcharge above ₹40,000 per cycle (air travel excluded), raised the DCC fee on INR-billed international transactions to 2% + GST for standard cards, and revised the late-payment grid.
Verification: CardAdvisor Research · Confidence: High
2025
- ▼ BenefitEffective 21 Dec 2025
Complimentary air-accident insurance withdrawn
Complimentary air-accident cover provided with the card→No air-accident cover
On 21 December 2025 IndusInd discontinued the complimentary air-accident insurance feature across its credit cards, stating simply that the coverage "stands discontinued". The bank published no replacement and named no exempt card. Note that several IndusInd product pages still described the cover months afterwards — the Avios, Duo, Pioneer Private and Platinum pages all still advertised it in August 2026 — so a reader may encounter the old wording on IndusInd's own site; the dated withdrawal notice is the operative statement. Other insurance benefits are unaffected: lost-card liability, Total Protect fraud cover, travel insurance and purchase protection continue where the card carried them.
Verification: IndusInd Bank ↗ · Confidence: High
- ▼ RedemptionObserved 25 Mar 2025 · Effective 1 Apr 2025
Redemption fee raised; Pay-with-Rewards value cut
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
A portfolio-wide reward devaluation effective 1 April 2025 raised the cash-credit redemption fee to ₹149 + GST, added per-transaction twid 'Pay with Rewards' fees, cut the twid threshold from the 2nd transaction (15%→12.5% on travel, 10% on other categories), imposed a 50%-of-balance cash-redemption cap, pulled back points on delinquency, and ended bonus points on fractional spends. The official notice names the Legend explicitly in its capping illustration.
Verification: IndusInd Bank ↗ · Confidence: High
- ▼ LoungeEffective 7 Mar 2025
Complimentary airport lounge access discontinued
Complimentary domestic lounge + Priority Pass membership→No complimentary lounge (Priority Pass membership retained, pay per visit)
IndusInd withdrew complimentary airport lounge access from the Legend effective 7 March 2025, across both the Visa and Mastercard variants. Cardholders keep Priority Pass membership but pay per visit — gutting the card's flagship travel perk.
Verification: CardAdvisor Research · Confidence: High
- ▼ TransferEffective 21 Jan 2025
InterMiles redemption route discontinued
Points → InterMiles→InterMiles route withdrawn
IndusInd discontinued converting reward points to InterMiles across its credit cards, including the Legend, effective 21 January 2025 — removing a long-standing airmiles redemption route.
Verification: CardAdvisor Research · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/indusind-legend#value-timeline">IndusInd Bank Legend Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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