IndusInd Legend Credit Card - Rewards & Lounge Access

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Features Of IndusInd Bank Legend Credit Card

Reward Points Program:
The IndusInd Bank Legend Credit Card offers a comprehensive rewards program designed to maximize your earnings based on spending habits.

Accelerated Reward Points:
Earn 1 reward point for every ₹100 spent on weekdays and 2 reward points for every ₹100 spent on weekends (Saturday and Sunday). This encourages cardholders to maximize rewards during shopping, dining, and travel on weekends.
Note: Categories such as fuel transactions, utility bills, rental payments, education fees, government charges, and insurance payments do not earn reward points. Medical, automobile, and telecom spends earn 1 reward point per ₹100 regardless of the day.

Bonus Reward Points:
Cardholders spending ₹5,00,000 or more within one year from card issuance earn 3,000 bonus points, credited within 45 days of the annual cycle completion. These bonus points do not expire, offering long-term value.
Note: The previous milestone was ₹6,00,000 for 4,000 points; this threshold was revised to make bonuses more achievable.

- Redemption Flexibility: Redeem points on IndusMoments for: Cash credit (1 point = ₹0.70, max 5,000/month). Air miles (Vistara, InterMiles). Vouchers, merchandise, bill payments. Minimum redemption: 500 points (in multiples of 100).
- Travel Insurance: Complimentary cover for: Lost/delayed baggage, passport loss, missed connections. Air accident insurance up to ₹25 lakhs (for ticket purchases via card).
- Entertainment Benefits: BOGO on BookMyShow (₹200/month max). ₹50 discount on food/beverage at cinemas. Up to 3 free tickets/month (first-come, first-serve).
- Contactless Payment: The Legend Credit Card is equipped with chip-based contactless technology, enabling swift and secure transactions at merchant outlets supporting contactless payments. This feature enhances convenience for everyday purchases, from retail shopping to online transactions, and is accepted at over 10 million merchant outlets in India and 30 million globally.
- Total Protect Program: The Total Protect Program safeguards cardholders against unauthorized transactions in case of card loss or theft, covering transactions up to 48 hours prior to reporting. This feature provides peace of mind, ensuring financial security in adverse situations.
- Auto Assist Benefits: The card includes Auto Assist services, offering roadside assistance for issues like flat tires, lost keys, emergency fuel supply, battery service, or accident management. This feature is particularly valuable for frequent travelers or those reliant on personal vehicles.
- Lifetime Free Status:The IndusInd Bank Legend Credit Card is a lifetime free card, meaning it has no annual or renewal fees. However, some sources mention a one-time joining fee of ₹9,999 + GST, which may vary based on promotional offers or application channels. The lifetime-free status makes it attractive for cost-conscious users seeking premium benefits.
- Add-On Card Facility: Cardholders can apply for add-on cards for family members or business use, with the same benefits as the primary card. This feature allows tracking of business expenses separately, enhancing financial management for professionals or entrepreneurs.
- Priority Pass Membership: The card offers a complimentary Priority Pass membership, granting access to over 1,300 airport lounges worldwide. However, lounge visits incur a $35 usage fee per visit, and as of March 7, 2025, complimentary lounge access (including domestic lounges) has been discontinued, impacting its appeal for frequent travelers.
- Year-End Summary: Cardholders receive a year-end account summary, providing a detailed overview of annual purchases. This feature aids in financial planning and tracking spending patterns, particularly useful for budgeting or tax purposes.
- Flexible Credit Limit: The credit limit is determined based on factors like the applicant’s income, credit score, and repayment history. While the exact limit varies, the card’s premium status ensures a flexible and competitive limit, catering to high-net-worth individuals.
- Global Acceptance: The card is accepted at over 10 million merchant outlets in India and 30 million worldwide, ensuring seamless usability for both domestic and international transactions. This universal acceptance enhances its practicality for diverse spending needs.
- Oberoi Hotels and Montblanc Benefits: Cardholders can enjoy a complimentary stay at Oberoi Hotels in India and access to an exquisite collection of Montblanc products, including stationery and jewelry, adding a touch of luxury to the card’s offerings..
- Luxe Gift Card: The card provides access to a Luxe Gift Card, redeemable at over 30 global luxury and premium brands, enhancing the cardholder’s shopping experience with exclusive options.
- Contactless Chip Security:The card’s EMV chip technology ensures secure transactions, reducing the risk of fraud. This feature is particularly relevant in today’s digital payment landscape, where security is paramount. This comprehensive set of features positions the IndusInd Bank Legend Credit Card as a premium offering, blending rewards, travel perks, and lifestyle benefits to cater to a discerning clientele. The combination of accelerated rewards, travel insurance, and concierge services makes it a compelling choice for those seeking luxury and convenience in their financial tools.

Benefits of IndusInd Bank Legend Credit Card

1. Financial Savings:
- Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹100 per month, reducing regular fuel expenses.
- Low Foreign Currency Markup: Pay only 1.8% as a foreign currency markup fee, offering significant savings on international purchases compared to typical 3.5% fees.
- Lifetime Free Status: Benefit from lifetime free membership with no annual fees. While a one-time joining fee of ₹9,999 + GST may apply, offers through platforms like CashKaro or BankBazaar often waive this fee.
2. Lifestyle & Convenience:
- Luxury and Convenience: The card is designed to enhance your lifestyle with exclusive privileges across travel, dining, and entertainment.
- Rewarding Experience: Earn reward points on your spends, offering you value back and exciting redemption options.

- Reward Points Value: Non-Expiring Reward Points — A key benefit is that reward points never expire as long as the card account remains active.
- High Redemption Value: The ability to redeem reward points for cash credit (1 RP = ₹0.70), air miles, vouchers, or merchandise through the IndusMoments portal provides versatile options. .
- Milestone Bonus Rewards: Spending ₹5,00,000 or more annually earns 3,000 bonus reward points, credited within 45 days of the annual cycle. This milestone benefit encourages high spending while rewarding cardholders.
- Complimentary Travel Insurance: The card’s travel insurance covers critical travel-related risks, including lost baggage (up to ₹1 lakh), delayed baggage, lost passport, missed connections, and ticket loss.
- Concierge Services: The 24/7 concierge service is a premium benefit, offering personalized assistance for travel bookings, hotel reservations, dining arrangements, and event planning.
- Priority Pass Membership: The complimentary Priority Pass membership provides access to over 1,300 airport lounges worldwide, offering a comfortable and luxurious travel experience.
- Oberoi Hotels Stay: The complimentary stay at Oberoi Hotels in India is a luxurious benefit, allowing cardholders to enjoy a premium hospitality experience at no additional cost. This perk caters to those who value high-end travel.
- BookMyShow BOGO Offer: The Buy One, Get One movie ticket offer via BookMyShow, with savings up to ₹200 per month, is a significant benefit for movie enthusiasts..
- Luxe Gift Card Access: Access to a Luxe Gift Card, redeemable at over 30 global luxury brands, elevates the shopping experience.
- Montblanc Collection: The ability to choose from an exquisite collection of Montblanc products, including stationery and jewelry, adds a touch of exclusivity, appealing to those with refined tastes.
- Total Protect Program: The Total Protect Program safeguards cardholders against unauthorized transactions in case of card loss or theft, covering transactions up to 48 hours prior to reporting.
- Contactless Payment Convenience: The contactless payment feature allows for swift and secure transactions at millions of merchant outlets worldwide.
- Auto Assist Services: The Auto Assist services provide roadside assistance for issues like flat tires, lost keys, emergency fuel supply, or battery service. This benefit is invaluable for cardholders who rely on personal vehicles.
- Add-On Card Facility: The add-on card facility allows cardholders to issue supplementary cards for family members or business use, with the same benefits as the primary card.
- Year-End Summary: The year-end account summary provides a detailed overview of annual spending, aiding in financial planning and budgeting. This benefit is particularly useful for cardholders who need to track expenses for tax.
- Global Usability: The card’s global acceptance at over 10 million merchant outlets in India and 30 million worldwide ensures seamless usability for both domestic and international transactions.
- Enhanced Lifestyle: The combination of travel perks, entertainment offers, and luxury benefits like Oberoi stays and Montblanc products elevates the cardholder’s lifestyle.
- Strategic Spending Opportunities: The card encourages strategic spending through its accelerated weekend reward points and milestone bonuses. Cardholders can maximize rewards by timing high-value purchases, such as travel.
- Comprehensive Value: The IndusInd Bank Legend Credit Card’s benefits are tailored to enhance financial savings, travel experiences, entertainment, and lifestyle. Its combination of non-expiring reward points, low forex fees.

How to Apply for IndusInd Bank Legend Credit Card

Visit the official IndusInd Bank website: www.indusind.com.
Go to the “Credit Cards” section under “Products.”
Choose Legend Credit Card from the available card options.
Click Apply Now to begin the application process.
Enter your basic details: mobile number, PAN, email ID, and PIN code.
Verify the OTP sent to your registered mobile number.
Check for Pre-Qualified Offers and select the Legend Credit Card if available.
Fill out the detailed application form with personal, employment, and income details.
Upload scanned copies of necessary documents (identity, address, and income proofs).
Submit the form and note your application reference number for tracking.
Complete the Video KYC within 50 km of your Aadhaar/communication address to avoid rejection.
Once approved, the card is dispatched to your registered address.
Alternatively, apply via third-party platforms like:

BankBazaar: Visit www.bankbazaar.com, select the Legend Credit Card, verify with OTP, and complete the form. A representative may assist with documentation.
Paisabazaar / Bajaj Finserv Markets / IndiaLends / CashKaro: Choose the card, enter basic details, verify with OTP, upload documents, complete VKYC, and track the status online.
Some platforms may offer benefits like cashback or waived joining fees upon successful approval and activation.

You can also apply offline at an IndusInd Bank branch:

Visit your nearest branch and request the application form for the Legend Credit Card.
Fill in all required personal, professional, and financial details.
Submit photocopies of KYC documents (PAN, Aadhaar, income proof).
Complete the in-person verification and submit your application.
Note your reference number to track the application status later.

Apply via IndusMobile App:

Download the IndusMobile App from Google Play or App Store.
Log in or register and navigate to the “Credit Cards” section.
Select the Legend Credit Card and complete the application form.
Verify via OTP, upload documents, and finish the VKYC process.
Track the application status within the app.

Tips for Smooth Application:

Ensure all personal and financial details are accurate and match your KYC documents.
Use a stable internet connection during online application and VKYC.
Keep scanned documents ready in the correct format (PDF or JPEG).
Maintain a credit score of 750+ for higher approval chances.
Avoid submitting multiple credit card applications simultaneously.

Post-Application:

Activate your card using the IndusMobile App or by calling customer care.
Set up your card PIN and register for online banking access.
Familiarize yourself with the card’s benefits, rewards, and offers.

Track Your Application Status Using:

IndusInd Bank website (Track Application section)
IndusMobile App
Third-party platform where you applied (BankBazaar, Paisabazaar, etc.)
Customer care helpline:+91 8885545255

Common Reasons for Rejection:

Incorrect or mismatched details (PAN, Aadhaar, etc.).
Low credit score (below 750).
Incomplete or missing document uploads.

Eligibility Criteria for IndusInd Bank Legend Credit Card

1. Age Requirements
- Primary Cardholder: 21 to 65 years.
- Add-on Cardholder: Minimum 18 years old.
2. Income Requirements
- Minimum Monthly Income: ₹20,000 for both salaried and self-employed.
- Higher income increases chances of approval and credit limit.
- Proof: Salary slips, ITRs, balance sheets (for self-employed).
3. Credit Score
- Preferred Credit Score: 750+ (CIBIL/Experian/Equifax).
- Applicants must have a clean credit history with no defaults.
4. Nationality and Residency
- Only Resident Indian citizens are eligible.
- Valid residential address proof is mandatory.
5. Employment Status
- Salaried: Should be employed in a reputed organization.
- Self-employed: Must provide ITRs and financial statements showing business stability.
6. Existing Relationship with IndusInd Bank
- Applicants with IndusInd accounts may receive pre-approved offers.
- Pre-existing relationship can simplify documentation and speed up approval.
7. Credit Card Ownership
- Cashback platforms may disqualify applicants who already hold or held an IndusInd card.
- However, this doesn't affect overall eligibility for the Legend card.
8. Additional Financial Factors
- Debt-to-Income Ratio: Should be below 40%.
- Employment Tenure: At least 6–12 months (salaried), 2–3 years (self-employed).
- Multiple recent credit applications may reduce chances.
9. Geographic Location
- Preferable from metro/urban areas, but available nationwide.
10. Tips to Improve Eligibility
- Maintain a high credit score (750+), low credit utilization (<30%).
- Stabilize income and avoid frequent job changes.
- Open a savings or FD account with IndusInd to strengthen application.
11. Special Considerations
- Homemakers: Eligible only for add-on cards under a qualifying primary cardholder.
- Young Professionals: Can apply with stable income and a 750+ credit score.
- High-Net-Worth Individuals: Higher approval chances and limits with ₹50,000+ income and excellent credit profile.
12. Documentation Requirements
- Valid PAN card and Aadhaar card for identity verification.
- Recent passport-sized photographs.
- Address proof such as utility bills, rental agreement, or passport.
- Bank statements for the last 3 to 6 months may be required.
13. Existing Debt Obligations
- Applicants should disclose all existing loans and credit card debts.
- High existing debt can impact credit limit and approval chances.
14. Application Method
- Applicants can apply online through the IndusInd Bank website or mobile app.
- Offline applications accepted at select bank branches.
- Pre-approved applicants may receive direct invites, simplifying the process.
15. KYC Compliance
- Applicants must complete KYC (Know Your Customer) verification as per RBI guidelines.
- Non-compliance can lead to rejection or delay in processing.
16. Card Usage History
- Applicants with a good history of using credit cards from any bank have higher chances of approval.
- Past defaults or frequent late payments can reduce eligibility.

Documents Required for IndusInd Bank Legend Credit Card

1. Identity Proof (Any One):
- PAN Card: Mandatory for all applicants; serves as a primary identity proof and tax record linkage.
- Aadhaar Card: Accepted for KYC; mobile number must be linked for OTP verification.
- Voter’s ID Card: Government-issued ID with photograph and name.
- Driving License: Valid, with visible name, date of birth, and signature.
- Passport: Valid and can serve both as identity and address proof.
- OCI/PIO Card: Accepted for NRIs/PIOs.
- NREGA Job Card / Govt Photo ID: Must be issued by a recognized authority.
Specifications: Must be valid (not expired), clearly scanned (PDF/JPEG, max 2MB), and details must match the application form.
2. Address Proof (Any One):
- Aadhaar Card: Must reflect the current address.
- Voter’s ID Card / Driving License / Passport: Accepted if the address is up-to-date.
- Utility Bills: Electricity, water, or gas bill not older than 3 months.
- Ration Card / Property Registration Document.
- Bank Statement: From a recognized bank, not older than 3 months, with printed address.
Specifications: Submit self-attested copies (for offline) or scanned clear copies (PDF/JPEG, max 2MB) online.
3. Income Proof:
- Salaried Individuals:
  - Latest 3–6 months’ salary slips.
  - Last 3–6 months’ bank statement showing salary credits.
  - Form 16 or Employment Certificate from employer.
- Self-Employed Individuals:
  - Last 2–3 years' ITRs (with acknowledgment).
  - Audited balance sheets and profit & loss statement (latest FY).
  - GST registration or trade license, partnership deed.
4. Photograph:
- Recent passport-size photo (35mm x 45mm), color, high-resolution.
- White/plain background; face centered and clearly visible.
Submission: JPEG (max 1MB) for online; physical copy required for offline applications.
5. Additional Documents:
- Existing IndusInd Customers: May only need to submit Aadhaar and PAN if KYC already exists.
- Add-On Card:
  - Identity & address proof of add-on user.
  - Relationship proof (e.g., marriage/birth certificate).
  - 1–2 passport-size photos of add-on user.
- Other Requests:
  - Credit report (CIBIL/Experian), if requested.
  - Business continuity or proof (2–3 years preferred for self-employed).
6. Document Submission Guidelines:
- Online: Upload via IndusInd Bank portal, mobile app, or partner sites (e.g., BankBazaar, Paisabazaar).
- Offline: Submit self-attested copies at the nearest IndusInd Bank branch with originals for verification.
- VKYC: Complete video KYC during online process if required; ensure a stable internet connection.
File Format: PDF or JPEG; resolution ≥ 300 DPI; size 2–5MB. Use compression tools if needed.

Factors Affecting Eligibility for the IndusInd Bank Legend Credit Card

1. Credit Score: A score of 750+ is ideal for approval; 720 is often the minimum.
Impact: Indicates creditworthiness, repayment discipline, and risk profile.
Tip: Maintain timely payments, avoid defaults, and check CIBIL score regularly.
2. Income Level: Minimum monthly income of ₹20,000; ₹50,000+ preferred for higher limits.
Tip: Submit latest salary slips, bank statements, or ITRs to prove income stability.
3. Employment Stability: 6–12 months with current employer (salaried); 2–3 years of business history (self-employed).
Tip: Apply post-probation and ensure income consistency for better approval chances.
4. Debt-to-Income Ratio: Should be under 40%; higher ratios can lead to rejection.
Impact: Signals repayment ability amid existing liabilities.
Tip: Close small loans and reduce card dues before applying.
5. Credit History: No defaults, settlements, or recent delinquencies in the last 12–24 months.
Tip: Keep older accounts active and clear any outstanding dues.
6. Type of Employer: MNCs, government jobs, or reputed firms increase credibility.
Tip: Provide employer ID or official email to support application strength.
7. Age Criteria: Applicant should be between 21–65 years.
Tip: Under 21? Try an add-on card. Over 65? Emphasize stable income and low liabilities.
8. Existing Relationship with IndusInd Bank: Prior relationship via savings, FDs, or loans improves eligibility.
Tip: Check for pre-approved offers through net banking or customer care.
9. Credit Utilization Ratio: Ideally below 30% across all credit cards.
Impact: High utilization hurts your score and suggests financial stress.
Tip: Clear dues before applying; use credit sparingly in the preceding 3 months.
10. Document Accuracy: Errors in PAN, Aadhaar, address, or income documents cause rejections.
Tip: Ensure consistency across all submitted documents and update KYC beforehand.
11. Promotional Offer Status: Offers like joining fee waiver or bonus points impact cost-benefit.
Tip: Apply via verified partners (e.g., CashKaro, BankBazaar) for deals.
12. Regulatory & Economic Conditions: Approval may tighten during recessions or policy changes.
Tip: Apply during festivals or bank-specific promotional periods.
13. Card Usage Patterns: Ideal for weekend spending, movie bookings, and luxury shopping.
Tip: Maximize benefits by timing purchases and redeeming points for travel or vouchers.
14. Pre-Approved Status: Existing customers may be eligible for instant issuance or no-income verification.
Tip: Use IndusInd’s eligibility checker or net banking tools.
15. Forex and Travel Behavior: Card has low 1.8% forex markup and concierge services, suited for frequent international travelers.
Tip: Leverage for foreign bookings and large purchases abroad for reward maximization.
16. Spending Lifestyle: Suitable for those who spend on weekends, movies, and luxury retail.
Tip: Use during BOGO events, Oberoi stay offers, or reward programs tied to premium usage.
17. Lounge Access: No complimentary airport lounge access (removed from March 7, 2025).
Tip: Consider alternatives if airport lounge access is a major priority.
18. Competitive Alternatives: Faces strong competition from HDFC Regalia, Axis Magnus, etc.
Tip: Compare benefits, fees, and lifestyle match before finalizing the application.

Frequently Asked Questions (FAQs)

1. What is the IndusInd Bank Legend Credit Card?

The IndusInd Bank Legend Credit Card is a premium, contactless credit card offering luxury, travel, dining, and lifestyle benefits. It is a lifetime free card (no annual fee) and provides perks like reward points, complimentary movie tickets, and low foreign currency markup.

2. What are the key features of the Legend Credit Card?

1 reward point per ₹100 on weekdays; 2 points on weekends
BOGO movie offer (1 free ticket/month via BookMyShow, capped at ₹200)
₹50 off on food & beverages with movie ticket booking
1.8% foreign currency markup fee
1 free domestic airport lounge access per quarter
24/7 concierge services
Air accident insurance of ₹25 lakh, lost baggage cover, and fraud protection

3. Is the Legend Credit Card lifetime free?

Yes, it has no annual fee. However, a one-time joining fee (₹5,000 or ₹9,999 + GST) may apply, depending on the offer.

4. What are the reward point redemption options?

Cash Credit: 1 point = ₹0.50 (max 5,000/month from Sept 2024)
Air Miles: 1 point = 1 air mile (min 500 points)
Vouchers & Products: Up to ₹0.75 per point via IndusMoments portal

5. Who is eligible for the Legend Credit Card?

Age: 18–65 years
Nationality: Indian resident
Credit Score: 750 or above preferred
Income: Proof required (salary slip, ITR, etc.)

6. How can I apply for the Legend Credit Card?

Online: Through IndusInd Bank’s website with OTP and Video KYC.
Offline: At any IndusInd Bank branch.
Third-party: Via platforms like BankBazaar or Bajaj Finserv.

7. What is the interest-free period for the card?

Up to 50 days, provided the outstanding balance is paid in full by the due date.

8. What are the fees and charges?

Joining Fee: ₹5,000 or ₹9,999 + GST
Annual Fee: None
Interest: 3.95% p.m. (46% p.a.)
Late Payment Charges: ₹100–₹1,300 (based on bill amount)
Over-limit Charges: 2.5% (min ₹500)
Foreign Currency Markup: 1.8% + GST

9. How can I contact IndusInd Bank for queries?

Call +91 8885545255 for activation, assistance, or to report card-related issues.

10. Does the card offer airport lounge access?

Yes, 1 free domestic lounge visit per quarter and a complimentary Priority Pass for international lounge access. International lounge benefits will end after 7th March 2025.

11. Are there limitations on earning reward points?

Fuel transactions earn no points
Certain spends earn fewer points (e.g., utilities, rent, education)
Milestone bonuses exclude rent, wallet loads, utilities, etc.

12. How can I redeem reward points?

Log in to your IndusInd account → Go to IndusMoments portal → Choose from cash, air miles, vouchers, or merchandise. You can also call customer support for redemption help.

13. What happens if my card is lost or stolen?

The card is covered under the Total Protect program for up to 48 hours before loss reporting. Immediately contact customer care at 1860 267 7777 to block and replace the card.

List of IndusInd Bank Legend Credit Card Branches in Karnataka

Bangalore - Bangalore
Bangalore - AECS Layout
Bangalore - Akshayanagar
Bangalore - Ananth Nagar Electronic City
Karnataka - Anekal

Bangalore - Avenue Road
Karnataka - Bagalur
Bangalore - Banaswadi Main Road
Bangalore - Basavanagudi
Karnataka - Belagavi (Belgaum)

Karnataka - Bidadi
Bangalore - Bommanahalli
Bangalore - BTM Layout (1st & 2nd Stage)
Karnataka - Chamarajanagar
Karnataka - Chandapura

Bangalore - Chandra Layout
Karnataka - Channapatna (Ramanagara Dist.)
Bangalore - City Market
Bangalore - CMH Road
Karnataka - Davanagere

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