IndusInd Bank Legend credit card is a mid-segment offering launched in 2018. Legend credit offers 2X reward points on weekend spending. We can use these points for cashback or can also transfer them to Vistara among other options. It also offers a good BookMyShow offer to get Buy One Get One on movie tickets. Here is a review of the IndusInd Bank Legend credit card and its rewards & benefits.
Fees and Charges
IndusInd Bank is issuing the Legend credit as Lifetime Free now. You can apply with this link to see joining and annual fee as zero.
|Joining Fee||Zero (LTF Offer)|
|Category||Reward Points per Rs 100||Return@75p per RP|
|Medical, Automobiles & Telecom||1||0.75%|
|Utility Bills, Insurance, Government Services, Education, Rent & Real Estate||0.7||0.53%|
- 4000 Reward Points on spending Rs 6 Lakhs in a year
This is a nice 0.6% extra benefit on crossing Rs 6 Lakhs spend. If we spend only on weekends, the 2.5% reward rate is also better than the IndusInd Pinnacle credit card which offers 2%. This sounds good but we have an issue. Major categories like bill payments, insurance etc. get a return of just 0.53%. Excluding these categories, it is very difficult to spend Rs 6 Lakhs on this card. We have many better cashback and rewards credit cards in the market.
Each reward point is equal to 75 paise for a statement credit for IndusInd Bank Legend credit card. We can also transfer reward points to Vistara and InterMiles at 1:1 ratio.
- E-Vouchers and products on IndusMoments
- Airmiles transfer to InterMiles/Vistara
- Cash Credit: Max 25000 RP per statement
Taking a statement credit for the accumulated reward points is a better option than the other ones. The value for cash credit used to be 1 RP = Rs 1 but was devalued later by IndusInd Bank.
BookMyShow Offer on the IndusInd Bank Legend credit card
The BookMyShow offer on this card is also another good benefit. We get Buy One Get One on movie tickets. The discount for the second movie ticket is capped at Rs 200 and can be availed once per month.
Complimentary Airport Lounge Access
- Airport Lounge Access in India: 2 complimentary lounge visits per quarter with Visa/Mastercard
- Airport Lounge Access outside India: Not available. We get a Priority Pass membership but there is not complimentary lounge visit included in it.
Key Benefits and Charges
- Foreign Currency Markup: 1.8%+GST ~2.1%
- Fuel Surcharge Waiver: Up to 2.5% fuel surcharge waiver
- Golf Lesson: 1 lesson per month
- Golf Game: 1 game per month
- 24*7 Concierge
- 24*7 Auto Assist
IndusInd Bank’s credit card offerings are not among the best when it comes to rewards. We have many better options if we want cashback. So, is there a use for getting the IndusInd Legend card today? The answer may be yes depending on your requirements.
Legend is now offered Lifetime Free (LTF). For an LTF tag, we get BOGO on BookMyShow once per calendar month. Add in the domestic airport lounge access and it can still be a value offering today. Getting the Legend credit card can also help you avail 10% instant discount offers on Amazon or Flipkart when IndusInd Bank is one of the credit card partners.
Frequently Asked Questions
IndusInd Bank Legend Credit Card