Legend Credit Card
IndusInd Bank
last updated: Nov 21, 2025
₹999
₹999
1.8%
1 visits/yr
Contents
Legend is a premium lifestyle credit card from IndusInd Bank offering accelerated weekend rewards, low forex markup, milestone bonuses, and rich travel and entertainment privileges. It suits frequent travellers and diners seeking higher reward rates and curated perks.
Features of Legend Credit Card which makes it unique
Smart EMI
Instant EMI conversion at checkout
Flexible repayments
Faster EMI onboarding vs older peers
Spend Analyzer
Expense categorisation and monthly reports
Better budgeting
AI-enabled insights (issuer feature set)
Rewards Structure of Legend Credit Card
Dining
acceleratedRestaurants and dining merchants
Higher rewards on weekend spends; see issuer T&Cs for exact weekend classification.
Shopping
baseAll merchants
Base earn for general spend; specialized categories may vary.
Milestones of Legend Credit Card
Annual Spend Bonus
₹6,00,000 : 4,000 bonus reward points
High Spender Perks
Issuer specified thresholds : Additional concierge and lifestyle offers per issuer programme
Fees & Charges of Legend Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Forex Markup Fee | 1.8% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee waiver on meeting issuer's spend threshold (check issuer T&Cs).
Fee Explanation Standard bank rates apply for overdue amounts; check latest fee schedule on issuer site.
Lounge Access Benefits with Legend Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
Issuer updated lounge terms—see issuer site; lounge benefits revised/discontinued for Legend (March 2025 update).
international Lounges
silverVisits per year: 1
Guest access: Yes
International lounge visits subject to Priority Pass and issuer rules.
Insurance Coverage with Legend Credit Card
Travel Insurance
Up to ₹10,00,000Coverage on international trips subject to activation and T&Cs.
Purchase Protection
Up to ₹50,000Valid within specified days of purchase; check issuer policy.
Additional Features of Legend Credit Card
Contactless Payments
Tap-and-pay enabled
Add-on Cards
Up to 3 add-on cards
Subject to issuer approval
Welcome Bonus with Legend Credit Card
Welcome Bonus: Earn 4,000 bonus reward points credited annually as a milestone reward.
Bonus Conditions: Bonus awarded on achieving annual spend milestone of ₹6,00,000 (as per issuer terms).
Application Process for Legend Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via the bank portal or partner site
Upload KYC documents and complete eKYC/video KYC where available
Receive verification call or OTP confirmation
Card dispatched within issuer timelines (typically within 7 business days)
Required Documents for Legend Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Legend Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Legend Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have valid PAN and Aadhaar. Additional KYC as per bank policy.
How Approval Is Decided
- Minimum income ₹30,000/month (salaried guideline)
- Indian resident with valid KYC
- Credit score generally above 700 recommended
Pros of Legend Credit Card
- Strong weekend reward structure
- Discounted forex markup compared with many rivals
- Milestone bonuses and travel benefits
Cons of Legend Credit Card
- Lounge access terms revised/discontinued in recent update
- Limited extra merchant offers outside lifestyle categories
Frequently Asked Questions about Legend Credit Card
Is there a joining fee?
Yes. A joining fee may be charged; check the current fee at application — waivers may apply under issuer promotions.
What rewards do I earn on weekends?
Weekend spends earn accelerated reward points (typically 2 pts/₹100); see issuer T&Cs for exact weekend classification and updates.
What is the foreign currency markup?
Legend typically charges a discounted foreign currency markup around 1.8% on international transactions.
Is lounge access included?
Lounge benefits have been revised; refer to issuer updates — some lounge features were discontinued or changed in 2025.
How do I get the milestone bonus?
Milestone bonus points are credited on achieving the annual spend threshold (e.g., 4,000 points for ₹6,00,000 annual spend); check issuer terms for eligibility and timing.
What documents are required to apply?
PAN and Aadhaar (or other accepted ID) and income proof for salaried/self-employed applicants; video KYC may be available for faster processing.
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