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IndusInd Bank · Visa Signature · हिन्दी

IndusInd Bank Legend Credit Card: full review

The IndusInd Legend is a mixed bag post-2025. The 1.8% forex and lifetime free status remain strong, but the lounge access discontinuation removed its biggest perk. Best for frequent international travellers who value low forex markup and never-expiring points over lounge benefits.

Apply now ↗Annual fee: ₹9,999 joining
Last updated: August 2026 · Current terms verified
INDUSIND BANK
VISA
)))
LEGEND
ASHOK KUMAR
12/28
₹9,999 joining (lifetime free thereafter)Annual fee
2 RP per ₹100 on weekends (0.5% if redeemed as cashback at ₹0.75/RP); 1 RP per ₹100 on weekdays (0.25%)Reward structure
Priority Pass membership (lounge access discontinued March 2025)Lounge access

Key benefits of the IndusInd Bank Legend Credit Card

2 reward points per ₹100 on weekends; 1 RP per ₹100 on weekdays1 RP = ₹0.75 when redeemed as cash credit (effective 0.75% on weekends, 0.375% on weekdays)Low 1.8% forex markup, second lowest among premium cardsComplimentary Priority Pass membership (lounge access discontinued March 2025)Buy 1 Get 1 on movie tickets via BookMyShow (up to 3 free tickets/month)24x7 concierge services for travel, hotel and event bookingsAir accident insurance up to ₹25L; lost baggage cover up to ₹1L
Apply now ↗ Min. income: ₹4L+/year · Credit score: 750+
Pros and cons
Pros
✓ 1.8% forex markup is one of the lowest in India
✓ One-time joining fee, no annual fee ever
✓ Movie BOGO offers up to 3 free tickets monthly
✓ Reward points never expire
Cons
✗ Lounge access discontinued March 2025, major devaluation
✗ Low reward rate, 0.375% weekdays, 0.75% weekends
✗ ₹9,999 joining fee is steep for a lifetime free card
✗ No rewards on fuel transactions
Quick facts
Issuer IndusInd Bank
Network Visa Signature
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹9,999 joining (lifetime free thereafter)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹9,999
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Priority Pass membership (lounge access discontinued March 2025)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 1.8%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹4L+/year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+
SourceIndusInd Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for IndusInd Bank Legend Credit Card is ₹9,999 joining (lifetime free thereafter). The joining fee is ₹9,999.
The main benefits of the IndusInd Bank Legend Credit Card are: 2 reward points per ₹100 on weekends; 1 RP per ₹100 on weekdays; 1 RP = ₹0.75 when redeemed as cash credit (effective 0.75% on weekends, 0.375% on weekdays); Low 1.8% forex markup, second lowest among premium cards; Complimentary Priority Pass membership (lounge access discontinued March 2025); Buy 1 Get 1 on movie tickets via BookMyShow (up to 3 free tickets/month); 24x7 concierge services for travel, hotel and event bookings; Air accident insurance up to ₹25L; lost baggage cover up to ₹1L.
2 RP per ₹100 on weekends (0.5% if redeemed as cashback at ₹0.75/RP); 1 RP per ₹100 on weekdays (0.25%)
IndusInd Bank Legend Credit Card is best for Premium lifestyle card with low forex markup and concierge services. The IndusInd Legend is a mixed bag post-2025. The 1.8% forex and lifetime free status remain strong, but the lounge access discontinuation removed its biggest perk. Best for frequent international travellers who value low forex markup and never-expiring points over lounge benefits.
The minimum income requirement for IndusInd Bank Legend Credit Card is ₹4L+/year. A minimum credit score of 750+ is also recommended.
Yes, IndusInd Bank Legend Credit Card offers Priority Pass membership (lounge access discontinued March 2025).
IndusInd Bank Legend Credit Card charges a 1.8% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Travel Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Amazon and Flipkart →Best Premium Credit Cards →Best Super Premium Credit Cards →
Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
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