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IndusInd Bank Legend Credit Card

IndusInd Bank Legend Credit Card is a lifetime free card with travel and lifestyle benefits. It offers up to 2 reward points per ₹100 spent, a low foreign currency markup of 1.8% on international transactions, and buy-one-get-one movie ticket offers, making it suitable for frequent spenders and travellers.

IndusInd Bank Legend Credit Card

About IndusInd Bank Legend Credit Card

The Legend Credit Card is positioned as a travel and rewards-oriented option, designed for users who frequently spend on weekends and prefer converting reward points into airline miles. With a comparatively low foreign currency markup of 1.8%, it can be useful for international transactions. Cardholders also get access to features such as complimentary movie ticket offers, concierge assistance, roadside and travel support services, along with insurance coverage.

Despite being marketed as a premium card, its overall rewards earning potential is limited when compared to similar high-end cards. While reward points can be transferred to select airline loyalty programs at a favorable ratio, the number of partner airlines is relatively restricted. The absence of complimentary lounge access further reduces its appeal for frequent flyers. That said, considering it is offered as a lifetime free card, the benefits provided still make it a reasonable option for users seeking basic travel and lifestyle privileges without paying an annual fee.

Reward Structure

  • Earn 2 reward points for every ₹100 spent on weekends (Saturday and Sunday)

  • Get 1 reward point per ₹100 on weekday spends (Monday to Friday)

  • Receive 1 reward point per ₹100 on medical, automobile, and telecom spends on all days

  • Earn 0.70 reward points per ₹100 on categories such as utility bills, insurance payments, government charges, education fees, and rent, regardless of the day

  • Get a milestone bonus of 3,000 reward points on achieving annual spends of ₹5 lakh

Reward Redemption Options

  • 100 reward points can be converted into 100 travel miles

  • Redeem 1 reward point as ₹0.50 towards statement credit

  • Use 1 reward point for non-cash redemptions with a value of up to ₹0.75 through the pay-with-rewards option

Other Features & Benefits

  • Welcome Offer: Activation perks such as a premium gift card or select brand vouchers, available only on specific paid variants
  • Movie Benefits: Buy-one-get-one ticket offer on movie bookings, with a monthly cap on ticket value and added savings on food and beverages
  • Foreign Currency Charges: Reduced forex markup of 1.8% on international transactions
  • Airport Lounge Program: Complimentary Priority Pass membership providing access to a wide network of international airport lounges
  • Fuel Savings: 1% surcharge waiver on fuel spends between ₹500 and ₹3,000, capped at ₹100 per month across fuel stations in India
  • Travel Insurance: Personal air accident cover up to ₹25 lakh
  • Card Protection: Coverage for unauthorised transactions up to the assigned credit limit in case of card loss or theft
  • Concierge Support: Assistance with travel planning, reservations, event bookings, and gift delivery services
  • Auto Assist: Roadside support services including towing, fuel assistance, emergency help, and minor repairs

IndusInd Bank Legend Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

IndusInd Bank Legend Credit Card: Fees & Charges

Fee Type Amount
Joining Fee Nil
Annual Fee Nil
Finance Charges 3.95% p.m. | 47.40% p.a.
Late Payment Charges
For Statement Balance:
Up to Rs. 100 Nil
Between Rs. 101 and Rs. 500 Rs. 100
Between Rs. 501 and Rs. 1,000 Rs. 350
Between Rs. 1,001 and Rs. 10,000 Rs. 550
Between Rs. 10,001 and Rs. 25,000 Rs. 800
Between Rs. 25,001 and Rs. 50,000 Rs. 1,100
Above Rs. 50,000 Rs. 1,300

Things to Know Before You Apply

This card may be a good fit if:

  • You often fly with supported airline partners and can make the most of the 1:1 miles conversion

  • You already have another credit card that offers regular airport lounge access

  • You are looking for a card with a lower foreign currency markup on international spends

  • A significant portion of your spending happens on weekends

Steps to Close IndusInd Bank Legend Credit Card

If you want to cancel your credit card, follow the proper process recommended by IndusInd Bank to ensure a smooth and hassle-free closure.

  1. Clear All Outstanding Dues

    • Pay off your entire pending balance, including purchases, EMIs, interest, and charges

    • This helps avoid additional fees or complications during closure

  2. Redeem Reward Points

    • Use all your reward points, cashback, or benefits before closing the card

    • Any unused rewards may expire once the account is closed

  3. Update Auto-Payments

    • Check for any subscriptions or automatic payments linked to your card

    • Switch them to another payment method to avoid failed transactions

  4. Contact Customer Care

    • Call the customer care team or raise a request through email

    • Inform them that you want to close your IndusInd Bank Legend Credit Card

    • Follow the verification process as instructed

    The bank may offer retention benefits, but you can proceed with closure if you choose

  5. Request Closure Confirmation

    • Ask for a written confirmation (email or letter) stating:

      • Your credit card is closed

      • No outstanding dues remain

    • Keep this for future reference

  6. Check Your Credit Report

    • After a few weeks, verify your credit report

    • Ensure the card status is updated as “closed”

    • Report any errors if you notice discrepancies

  7. Safely Dispose of the Card

    • Cut the card across the chip and magnetic strip

    • This prevents misuse or fraud after closure

Important Tips

  • Do not use the card once you submit the closure request

  • Ensure all dues are cleared before initiating closure

  • Keep records of all communications and payments

  • Closing a card may slightly impact your credit score, but it stabilizes over time

IndusInd Bank Legend Credit Card Helpline Number

If you need assistance with your IndusInd Bank Legend Credit Card, you can contact the customer support team of IndusInd Bank for help with billing, payments, card blocking, disputes, and other services.

📞 24×7 Customer Care Numbers

These numbers are available round the clock for all credit card-related queries.

Credit Card Support (Legend & Similar Cards)

For cards like Legend, Pinnacle, Signature, and World Miles Signature, you can contact:

Email Support

Always send your request from your registered email ID and mention only the last 4 digits of your card.

Additional Contact Numbers (Business Hours)

Available from Monday to Friday, 10:00 AM to 6:00 PM

Postal Address

IndusInd Bank Ltd. PO Box 9421, Chakala MIDC, Andheri (East), Mumbai – 400093

Services Available

You can contact customer care for:

  • Billing and statement-related queries

  • Reporting lost or stolen cards

  • Transaction disputes and fraud issues

  • Credit card activation, blocking, or upgrade requests

  • General account and service support

Important Tips

  • Keep your registered mobile number and card details ready before calling

  • Do not share sensitive information like OTP, PIN, or CVV

  • Note down the reference number for tracking your request

  • In case of fraud, block your card immediately using helpline or mobile app

FAQs

Is the Legend Credit Card offered with a lifetime fee waiver?

Yes, this credit card is available without any joining or annual charges for its lifetime.

No, the reward points accumulated on this card remain valid indefinitely.

The card provides a buy-one-get-one offer on movie ticket bookings each month, subject to a maximum savings limit and applicable terms.

Indian residents within the eligible age bracket and having a satisfactory credit profile can apply for this card.

No, complimentary lounge access is no longer available with this credit card.

Yes, a fuel surcharge waiver is applicable on eligible fuel spends within the defined transaction range and monthly cap.

You can reach out to the bank’s customer support team through their official helpline or service channels.

Reward points can be redeemed for statement credit, converted into airline miles, or used for non-cash purchases through the pay-with-points option.

Card activation can be completed through the bank’s digital platforms or by contacting customer support.

To discontinue the card, you can submit a closure request by contacting customer care and completing the required formalities.