IndusInd Bank
IndusInd Bank Legend Credit Card
Annual Fee
Lifetime FreeBase Reward
0.5% points
Foreign Markup
1.8% + GST
Welcome Benefits
N/A
Product Highlights
- Lifetime free credit card with no annual charges.
- 1 Reward Point per ₹100 spent on weekdays.
- 2 Reward Points per ₹100 spent on weekends.
- 3,000 bonus Reward Points under the milestone benefits.
- Lower foreign currency markup fee of 1.8%.
Reward Calculator
Costs you ₹0/year
Spend doesn't justify the fee. Consider a lifetime-free option.
₹25K
across all your buckets
0
IndusInd Reward Points
₹0
via statement credit · ₹0.25/pt
Effective rate
0.00%
Annual fee
FREE
Year 1 net
+₹0
Year 2+ net
+₹0
ongoing
Adjust your spend by reward bucket
1 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
4,000 bonus reward points
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
1.8%Charged on every international (non-INR) transaction
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
1 Reward Point for every ₹100 spent on weekdays and 2 Reward Points for every ₹100 spent on weekends. Earn 3,000 bonus Reward Points on achieving a spend of ₹5 lakhs or more within one year.
- 1 RP = ₹0.50 for Redemption Against Cash Credit
Benefits & Features
Buy One Get One Free (BOGO) on movie ticket bookings via BookMyShow, up to ₹200 (once each month).
Pros & Cons
Pros
- Lifetime free credit card with no annual charges.
- Earn 3,000 bonus Reward Points on achieving a spend of ₹5 lakhs or more.
- Low Forex markup charge of 1.8%.
Cons
- Only one BOGO offer per month.
- No dining offers provided.
- Airport lounge access has been removed.
Additional Info
Maximum of 5,000 reward points for Cash Credit per statement cycle.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
18 yrs
Networks