IndusInd Legend credit card

IndusInd Legend

IndusInd Bank · Visa

IndusInd Bank Legend is IndusInd is premium lifestyle credit card — unlimited domestic and international lounge access, complimentary golf rounds, and lifestyle concierge. The Rs.9,999 annual fee positions it in the super-premium tier with benefits suited for high-income professionals who value travel and lifestyle perks.

Annual Fee

₹3,999

Joining Fee

₹3,999

Base Reward Rate

3X

₹0.5/pt

Min CIBIL

720

₹6L+ income

Key Features

Unlimited domestic and international lounge access
Complimentary golf at select courses
24/7 lifestyle concierge service
Air accident cover
Overseas medical and trip cancellation cover
Dining and lifestyle privileges

Welcome Benefits

✓

Welcome Bonus Points

Earn a welcome bonus on first spend within 30 days of card activation. Contact IndusInd Bank for current welcome offer.

Reward Rates by Category

Dining

5X

Travel

5X

Online

3X

Shopping

3X

Grocery

3X

Fuel

1X

Utilities

1X

Other

3X

Partner Earn Rates

PartnerCategoryEarn Rate
International SpendsInternational5X
Luxury HotelsHotels5X
Fine DiningDining5X
Travel PortalsTravel3X

Milestone Benefits

₹5.0 L

Annual Fee Waiver

Spend ₹5 lakhs to waive the annual fee for the following year

Annual

₹10.0 L

25,000 Bonus Reward Points

Earn 25,000 bonus points on crossing ₹10 lakh annual spend

Annual

Airport Lounge Access

Domestic

8 visits/year

International

2 visits/year

Insurance & Protection

Air Accident Cover

Accidental death while travelling by air.

Rs.1 Crore

Emergency Overseas Medical

Medical emergencies while travelling internationally.

Rs.25 Lakh

Trip Cancellation

Cancellation due to medical or travel-related reasons.

Rs.3 Lakh

Eligibility Criteria

Age

21–65 years

Salaried Income

₹20.0 L+ per year

Self-Employed

₹25.0 L+ ITR

Min CIBIL Score

760+

Salaried: Rs.20 Lakh annual income. Premium card with selective approval. Existing IndusInd Bank customers and those with a strong relationship with the bank have better approval odds.

Pros

  • Unlimited domestic and international lounge access
  • Complimentary golf rounds at select courses across India
  • Lifestyle concierge available 24/7
  • Comprehensive travel insurance package
  • Dining privileges at partner restaurants
  • High credit limit appropriate for premium spending

Cons

  • Rs.9,999 annual fee without a clearly structured fee waiver
  • IndusInd Bank has smaller presence vs HDFC, ICICI or SBI
  • Reward earn rate lower than competing premium cards from HDFC or Axis
  • Limited partner ecosystem compared to HDFC SmartBuy or Axis EDGE

Redemption Options

Shopping vouchers

Standard₹0.5/pt

Statement credit

Standard₹0.5/pt

Frequently Asked Questions

How does IndusInd Legend compare to HDFC Infinia or Axis Magnus?+
IndusInd Legend offers similar unlimited lounge access and lifestyle benefits but has a less developed partner ecosystem. HDFC Infinia Metal and Axis Magnus both offer better reward earn rates and stronger airline/hotel transfer partnerships. IndusInd Legend is most compelling for existing IndusInd Bank customers who want a premium card within their existing banking relationship.
Is the IndusInd Legend annual fee waived?+
IndusInd Legend has a fee waiver option — typically at a high annual spend threshold. Check current terms with IndusInd Bank directly as the waiver conditions may have changed. At Rs.9,999, the fee is lower than Axis Magnus and HDFC Infinia but requires comparable spend levels to justify.
Does IndusInd Legend give unlimited lounge access?+
Yes — unlimited domestic and international lounge access is a core feature. This covers Priority Pass and IndusInd partner lounges across India and internationally.

Ready to apply?

Apply on the IndusInd Bank website. Usually takes 10 minutes.

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IndusInd Legend

₹3,999/yr · 3X rewards