Rewards
IndusInd Legend Credit Card
A one-time-fee card with no annual fee, double points on weekends, points that never expire and a low 1.8% forex markup.
Joining fee₹5,000 (one time)
Annual feeNil
Fee waiverNot needed
Top reward2 points per ₹100 on weekends
LoungeNone (Priority Pass pay-per-visit)
Forex markup1.8%
Best for: People who want a no-annual-fee card for foreign spends and weekend shopping.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Weekend spends | 2 points per ₹100 | – |
| Weekday spends | 1 point per ₹100 | – |
| Education, government, insurance, rent, utilities | 0.7 points per ₹100 | – |
| Fuel | Nothing | – |
- Points never expire.
- Cash redemption is capped at 5,000 points a month, with a ₹149 + GST fee.
Benefits
Welcome benefit
- No welcome benefit stated.
Milestones
- 3,000 bonus points on ₹5 lakh yearly spend.
Travel and lounges
- Free lounge access was discontinued in March 2025; Priority Pass is kept for paid visits.
Fuel and forex
- Forex markup 1.8%.
- 1% fuel surcharge waiver on ₹500 to ₹3,000, up to ₹100 a cycle.
Other perks
- Buy-one-get-one on BookMyShow, up to ₹200 off the second ticket
Fees and charges
| Joining fee | ₹5,000 one time |
|---|---|
| Annual fee | Nil |
| Interest | 3.95% a month |
| Forex markup | 1.8% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried, self-employed or student; IndusInd decides income case by case
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- No annual fee after joining
- Low forex markup
- Points never expire
Watch out for
- Low reward rate
- No free lounge visits any more
- High 3.95% interest
Recent changes
- 15 Jun 2026New 1% fees on large fuel and transport spends; currency conversion fee 2% + GST.
- 21 Dec 2025Air accident insurance withdrawn.
- 7 Mar 2025Free lounge access discontinued.
Frequently asked questions
Does IndusInd Legend have an annual fee?
No. You pay a one-time joining fee and no annual fee after that.
Ready to apply for the IndusInd Legend Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.