IndusInd Legend Credit Card

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The IndusInd Bank Legend Credit Card is perfect for anyone looking to enhance their lifestyle. It often comes with no annual fee and offers exclusive experiences along with solid financial benefits.

Benefits of the IndusInd Bank Legend Credit Card

1. Great Rewards and Redemptions

• Earn 2 reward points for every ₹100 spent on weekends.
• Earn 1 reward point for every ₹100 spent on weekdays.
• Spend ₹5 lakh in a year to get 3,000 bonus points.
• Reward points never expire, giving you flexibility in how to use them.
• Redeem points for cash, air miles, or various vouchers and merchandise.

2. Travel and Lifestyle Perks

• Low foreign exchange mark-up of 1.8% for international transactions.
• Comprehensive travel insurance: ₹25 lakh for personal air accidents and ₹1 lakh for lost baggage.
• Enjoy a personal concierge for bookings and roadside assistance.

(Note: The card no longer provides airport lounge access as of March 7, 2025.)

3. Entertainment Benefits for Movie Lovers

• Movie enthusiasts will love this card!
• Get Buy One Get One Free movie tickets monthly on BookMyShow.
• Enjoy an extra ₹50 off on food and drinks.

4. Financial Flexibility and Security

• This card offers valuable financial features alongside its perks.
• Get up to 50 days interest-free.
• Enjoy strong security with EMV chip protection.
• 'Total Protect' covers unauthorized transactions up to your credit limit, even if reported within 48 hours.
• Receive a 1% waiver on fuel surcharges, with a maximum waiver of ₹100 per month.

Fees and Other Charges

• Joining Fee: Usually free, but some sources mention a Rs. 5,000 fee.
• Annual Fee: No annual fee for this credit card.
• Interest Charge: 3.95% monthly interest, which totals 47.40% yearly.
• Foreign Mark-up: 1.8% fee on international transactions.
• Late Payment Fees: Up to Rs. 1,300 for balances over Rs. 50,000.
• Over Limit Charges: 2.5% of the excess amount, with a minimum of Rs. 500.
• Cash Advance Charges: No fees for cash advances.
• Utility Payments: 1% charge on bills over Rs. 25,000.
• Wallet Loads: 1% fee on loads above Rs. 20,000.
• Educational Payments: 1% + GST on payments over Rs. 45,000.
• Rent Payments: 1% charge on rent transactions.
• Reward Redemption Fee: Rs. 99 + GST per redemption request.

Eligibility Criteria and Documents Required

• Must be an Indian citizen or NRI.
• Should have a steady income, either salaried or self-employed.
• Salaried individuals need a monthly income of ₹25,000 or more.
• Self-employed must file income tax returns showing similar income.
• Age requirement: 21 to 65 years old.
• A good credit score is required; no defaults allowed.
• Keep credit utilization below 30% if using credit cards.
• Existing IndusInd Bank customers may find it easier to access the card.

Documents Needed (may vary by bank):

• Identity Proof: Aadhaar, Voter ID, Driving License, Passport, PAN card.
• Address Proof: Passport, Voter ID, Utility bills, Rental agreement, Ration card, Aadhaar card.
• Proof of Income:
  • Salaried: Salary slips, IT returns/Form 16, last 3-6 months' bank statements.
  • Self-Employed: Profit and loss statement, proof of business, last two years' IT returns.

How to Apply

To apply for the IndusInd Bank Legend Credit Card, you have two easy options, mainly online:

1. Visit the official IndusInd Bank website.
2. Click on "Apply Now" and fill out the application form with your information.
   If approved, you will receive your card at home in 7 to 10 days.

In summary, the IndusInd Bank Legend Credit Card offers great rewards, travel perks, and lifestyle benefits. Although lounge access has recently changed, its main features still make it a valuable choice for improving your financial experience.