IndusInd Legend Credit Card Review: Complete 2026 Guide
- Quick Verdict
- Card at a Glance
- Fees & Welcome Benefits
- Reward Point System Explained
- Travel & Lounge Benefits
- Milestone Benefits & Fee Waivers
- Pros & Cons
- Who Should Get This Card?
- Final Conclusion
Quick Verdict
Is it good? The IndusInd Legend Credit Card offers a mix of travel benefits and decent rewards, but it comes with a hefty fee.
Reward rate? Earn 1 reward point for every Rs. 100 spent on weekdays and 2 reward points on weekends.
Best for? Frequent travelers and those who spend more on weekends will find value in this card.
Card at a Glance
| Feature | Details |
|---|---|
| Annual Fee | Rs. 9,999 + GST |
| Joining Fee | Rs. 9,999 + GST |
| Reward Rate | 1 RP for Rs. 100 (weekdays), 2 RPs for Rs. 100 (weekends) |
| Welcome Benefit | Choice of premium gift vouchers or rewarding points program |
| Lounge Access | Complimentary access to select domestic lounges and 1400+ international lounges |
| Milestone Benefit | 4000 bonus RPs on spends above Rs. 6 lakhs |
Fees & Welcome Benefits
The IndusInd Legend Credit Card has a joining fee and an annual fee of Rs. 9,999 + GST. This fee can be a deal-breaker for many, especially considering the high spending requirement for waivers. To waive the annual fee, you need to spend Rs. 3,00,000 annually.
As a welcome benefit, you can choose between premium gift vouchers or a rewarding points program, which adds a nice touch for new cardholders.
Reward Point System Explained
The reward point system is straightforward. You earn 1 reward point for every Rs. 100 spent on weekdays and 2 reward points for every Rs. 100 spent on weekends. This structure encourages weekend spending, which is great for those who dine out or shop during this time.
However, it’s essential to note that the value of these points has been devalued recently. Starting from 1st March 2024, the value of non-cash redemption will be 1 RP = Rs. 0.75, and cash redemption will be 1 RP = Rs. 0.50. This change significantly impacts the overall value proposition of the card.
Travel & Lounge Benefits
Travel enthusiasts will appreciate the complimentary access to select domestic airport lounges in India and over 1400 lounges worldwide through the Priority Pass program. However, note that usage charges may apply, which can add up if you travel frequently.
Additionally, the card offers travel insurance and other travel-related benefits, making it a good companion for those who travel often.
Milestone Benefits & Fee Waivers
One of the standout features of the IndusInd Legend Credit Card is its milestone benefit. You can earn 4000 bonus reward points if you spend more than Rs. 6 lakhs from the card issue date. This is a significant incentive for high spenders.
However, the annual fee waiver is only applicable if you meet the Rs. 3,00,000 annual spend requirement, which can be challenging for some users.
Pros & Cons
| Pros | Cons |
|---|---|
| Complimentary airport lounge access | High annual fee |
| Fuel surcharge waiver | High joining fee |
| Travel insurance | Foreign currency mark-up of 2.5% |
| Golf privileges | Limited lounge access benefits |
| Movie benefits | Some benefits discontinued or paid |
| Concierge services | Billing discrepancies |
| Contactless payment | Poor customer service |
| 1% surcharge waiver at petrol pumps | Reward points not credited correctly |
| Decent reward rate | Annual fee waiver issues |
| Good for international use | Significant devaluation of BookMyShow BOGO benefit |
Who Should Get This Card?
The IndusInd Legend Credit Card is best suited for:
- Frequent travelers who can take advantage of the lounge access and travel insurance.
- Individuals who spend significantly on weekends, maximizing the reward points.
- High spenders who can meet the annual fee waiver requirements.
However, if you’re someone who doesn’t travel often or prefers to spend on weekdays, you might want to consider alternatives like the IndusInd EazyDiner Credit Card Review or the IndusInd Pinnacle Credit Card Review.
Final Conclusion
In our experience, the IndusInd Legend Credit Card offers a mix of benefits that can be appealing to the right audience. However, the high fees and recent devaluation of rewards make it a card that requires careful consideration. If you can leverage the travel benefits and maximize your weekend spending, it could be a valuable addition to your wallet. But for those who don’t fit this profile, it might be worth exploring other options, such as the IndusInd Legend Credit Card Review or checking out alternatives from HDFC or ICICI for better customer service and rewards reliability. For more information, you can visit the official IndusInd Bank page or check out CardExpert for comparisons.