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Lifetime FreeLast updated: 29 September 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
1 Point per ₹100 weekday
2 Points per ₹100 weekend
The privileges that come bundled in, beyond the reward points.
1 Domestic Lounge/Quarter
BOGO Movies
An honest read on where this card earns its keep — and where it doesn't.
LTF Premium
Weekend rewards
Rewards devalued
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how IndusInd Legend stacks up against competing cards on reward rates, annual charges, and milestone perks.
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Everything you need to know about IndusInd Legend fees, reward conversion, lounge access, and application eligibility.
Yes, IndusInd Legend is issued as a Lifetime Free (LTF) credit card with ₹0 joining fee and ₹0 annual renewal fee. Cardholders do not need to hit an annual spend target to waive the fee. Standard GST is only applicable on interest or fee-based services if incurred.
IndusInd Legend earns Points at a primary rate of 1 Point per ₹100 weekday. Specifically, 2 Points per ₹100 weekend. Spends in Lifestyle categories provide the maximum valueback per transaction on this card.
Yes, IndusInd Legend features complimentary airport lounge privileges. Privileges include: "1 Domestic Lounge/Quarter". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 740 or above is strongly recommended for approval of IndusInd Legend. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
IndusInd Legend is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
IndusInd Legend levies a forex markup fee of 1.8% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
IndusInd Legend currently features a welcome offer: "Often LTF". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include LTF Premium and Weekend rewards. However, keep in mind that Rewards devalued. Overall, IndusInd Legend delivers strong value if your regular spending aligns with Lifestyle.
You can apply for IndusInd Legend directly through IndusInd Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
