IndusInd Bank Legend Credit Card

Joining fee

₹5,000 to join.

Annual fee

₹0Nil

Add-on card fee

₹0

Welcome benefit

Welcome gift of Montblanc, Post Card, Vouchagram or Vouchagram Premium, available at select fee points only

Reward rate

Weekdays: 1 reward point for every ₹100 spent; weekends: 2 reward points for every ₹100 spent.

Reward exclusions

Fuel transactions will not accrue reward points.

Catalogue redemption

1 Reward Point = 0.50 of cash value.

Airline and hotel partners points may move to

Airline Miles on Krisflyer; Maharaja Points for Maharaja Club.

Point expiry

All reward points earned on Legend Credit Card are live till the credit card account is live

Lounge benefit

Effective 7th March 2025, Lounge Access feature will be discontinued

Priority Pass

Priority Pass membership is available upon request; lounge usage fees will be applicable up to US $35 per person per visit

Concierge

Call our concierge desk at 1860 267 7777

Milestone benefits

Earn 3,000 bonus reward points on spends of ₹5,00,000 or above within one year from the date of credit card issue

Movie or entertainment ticket benefit

Buy one movie ticket and get the second one free (One free ticket in a month with effect from 1st June 2023)

Fuel surcharge waiver

1% Fuel Surcharge Waiver

Insurance benefit

Lost baggage ₹1,00,000, Delayed baggage ₹25,000, Loss of passport ₹50,000, Lost ticket ₹25,000, Missed connection ₹25,000.

Lost card liability

Insurance cover up to 48 hours prior to you reporting the loss of your card

Forex markup

1.8% on foreign currency transactions.

Dynamic currency conversion markup

Dynamic Currency Conversion Fee on all transactions carried out in Indian Currency at an international location or merchants located in India but registered overseas. Effective 15th June 2026: 2% Fee + GST

Cash advance fee

2.5% of the advance amount subject to a minimum of ₹300

Interest on unpaid balance

3.95% Monthly Rate, 47.40% Annual Rate.

Interest-free period

Up to 50 days

Late payment fee

Nil to ₹1,300 by outstanding balance (₹1,300 above ₹50,000)

Over-limit fee

2.5% of Over Limit Amount, subject to a minimum of ₹500

Payment return or dishonour fee

Returned payments: ₹250

Statement or duplicate statement fee

Duplicate physical statement request: ₹100 per statement (beyond last 3 months)

Card replacement fee

Re-issue/Replacement: ₹100 for All Other Credit Cards.

Education / school fee charge

1% Fee + GST on the cumulative spends on education payments made through third-party websites and applications more than ₹45,000 in a statement cycle

Reward redemption fee

For Cash Redemption — ₹149 w.e.f 1st April 2025. For all other category Redemption — ₹100

Wallet load charge

1% Fee + GST on the cumulative spends on wallet loading transactions more than ₹20,000 in a statement cycle

Fuel transaction fee

1% Fee + GST on cumulative fuel transactions exceeding ₹30,000 in a statement cycle

Rent transaction fee

1% Fee + GST levied on each rent payment transaction through third-party merchants

Utility transaction fee

1% Fee + GST on the cumulative spends on utility payments transactions more than ₹25,000 in a statement cycle

GST note

GST: at the current rate, as notified by Ministry of Finance, Government of India

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on Credit Card Accounts, where payments are not overdue; late payment charges are levied when the account remains past due for more than 3 days.

Minimum amount due

100% of EMI amount + 100% of GST + 100% of Fees/Charges + 100% of Finance Charges + Overlimit Amount (if any) + 2% of Retail Spends/Cash Advance/remaining balance outstanding