What You Get
Key Benefits & Features
Everything the IndusInd Bank Legend Credit Card offers — broken down clearly so you can decide if it fits your lifestyle and spending habits.
Unlimited complimentary domestic AND international airport lounge access for the primary cardholder — one of the very few Indian cards offering this at any fee point.
Earn 1.5 reward points per ₹100 on all spends. Points redeemable for flights, hotel stays, merchandise and statement credit through the IndusInd rewards portal.
Complimentary golf rounds every month at premium courses across India. Golf lesson access also available at select partner courses.
Dedicated lifestyle concierge for restaurant reservations, travel bookings, event tickets and personalised requests — available around the clock.
Air accident cover, travel inconvenience insurance, purchase protection and zero lost-card liability — full insurance bundle for frequent travellers.
Welcome gift vouchers on joining. Milestone bonuses at ₹3L, ₹5L and ₹8L annual spend thresholds — including bonus reward points and vouchers.
1% fuel surcharge waiver on fuel transactions ₹400–₹5,000 at all petrol pumps across India. Max ₹500 waiver per statement cycle.
Annual fee of ₹9,999 + GST waived on annual spend of ₹8 lakh or more in the card year.
All Costs
Fees & Charges
Complete fee breakdown. GST applicable on all fees. No hidden charges.
| Fee Type | Amount | Notes | Joining Fee | ₹9,999 + GST | Welcome benefits on joining fee payment |
|---|---|---|
| Annual Fee | ₹9,999 + GST | Waived on ₹8L annual spend |
| Add-on Card | ₹2,999 + GST | Per add-on cardholder |
| Finance Charge | 3.83%/month | 45.96% p.a. on revolving balance |
| Cash Advance | 2.5% (min ₹500) | No reward points on cash advances |
| Late Payment | ₹100–₹1,200 | Based on outstanding balance |
| Foreign Currency | 3.5% + GST | Despite intl. lounge — cost to consider |
| Fuel Surcharge | 1% waiver | On ₹400–₹5,000 at all pumps |
Our Take
SearchLocally Verdict
Pros
- ✓Unlimited domestic AND international lounge
- ✓Monthly golf access at premium courses
- ✓Strong insurance and concierge bundle
- ✓Fee waiver at ₹8L spend
- ✓Milestone benefits at multiple thresholds
Cons
- ✗High ₹9,999 annual fee
- ✗1.5 pts/₹100 — low earn rate vs premium peers
- ✗3.5% forex markup despite international perks
- ✗High income requirement
- ✗Add-on card charged separately at ₹2,999
Help & Clarity
Frequently Asked Questions
Honest answers to the most common questions about this card.
What makes IndusInd Legend different from other premium cards?
Legend's key differentiator is unlimited international lounge access — very few Indian cards offer this regardless of fee. Combined with monthly golf and 24/7 concierge, it's one of the most comprehensive lifestyle cards available from a private bank.
Is the annual fee waived on IndusInd Legend?
Yes. The ₹9,999 + GST annual fee is waived on spending ₹8 lakh or more in the card anniversary year — roughly ₹66,700 per month. This threshold is higher than Axis Magnus's ₹15L waiver but the Legend's fee is also lower.
How does IndusInd Legend lounge access work?
The primary cardholder gets unlimited domestic lounge access at participating Indian airports plus unlimited international lounge access via Priority Pass or equivalent. This is rare — most premium Indian cards cap international visits at 6–12 per year.
What reward points do I earn on IndusInd Legend?
You earn 1.5 reward points per ₹100 on all spends. While the earn rate is lower than Axis Magnus (which gives 6 EDGE Miles per ₹200 on all spends), Legend's redemption flexibility and lounge benefits compensate for the lower accumulation rate.
IndusInd Legend vs Axis Magnus — which is better?
Magnus offers higher earn rates (6x miles on all, 12x on travel) and transferable EDGE Miles — better for pure rewards value. Legend wins on lounge access (unlimited international vs Magnus's 8 intl/year) and is cheaper at ₹9,999 vs ₹12,500. Choose Legend for lounge-first lifestyle; Magnus for mile accumulation.