CardGuruji
IndusInd BankIndusInd BankLifetime Free

IndusInd Legend

42,000 reviewsLifestyleLTF
Welcome offerOften LTF
Annual fee
Lifetime Free
Reward rate
1 Point per ₹100 weekday
Credit score
740+
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Free to apply via CardGuruji · subject to issuer approval

IndusInd Legend
Visa
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

1 Point per ₹100 weekday

2 Points per ₹100 weekend

Reward currency
Points
Card network
Visa
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • 1 Domestic Lounge/Quarter

  • BOGO Movies

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • LTF Premium

  • Weekend rewards

What to watch out for

  • Rewards devalued

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹0Lifetime free — no renewal charge

Other charges

Applied only when the situation arises

Balance transfer
1%
Foreign currency markup
1.8%
Late payment
₹1200
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
3.83%
Balance transfer
3.83%
Cash advance
3.83%
Eligibility

Will you qualify?

The credit profile this card is typically approved for.

740+out of 900
Good credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of IndusInd Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about IndusInd Legend

Everything you need to know about IndusInd Legend fees, reward conversion, lounge access, and application eligibility.

The joining fee for IndusInd Legend is nominal, and the annual renewal fee is Lifetime Free (₹0). Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for IndusInd Legend from IndusInd Bank, a CIBIL score of 740 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

IndusInd Legend is designed to reward everyday spends. It currently features: "Often LTF". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via IndusInd Bank's rewards portal.

Yes, IndusInd Legend offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.

You can apply for IndusInd Legend directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.