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IndusInd Bank

IndusInd Legend Credit Card

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Annual Fee

₹10,000

Reward Type

Points

Forex

2%

Lounge

8 dom · 2 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual Fee₹10,000(waived ≥ ₹5,00,000)
Min Monthly Income₹1,00,000

Rewards

Reward TypePoints
Base Rate3%
Point Value₹0.25/point

Category Multipliers

weekend5%international5%

Redemption Values

flights₹0.5/pt
vouchers₹0.5/pt
statement credit₹0.3/pt

Travel & Global

Forex Markup2%
Domestic Lounge8 visits/yr
Intl. Lounge2 visits/yr
Lounge NetworkPriority Pass

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

ICICI Emeralde Private (100%) →IDFC FIRST Wealth Credit Card (100%) →IndusInd Pinnacle Credit Card (100%) →SBI Elite Credit Card (100%) →SBI Signature Credit Card (100%) →

💡 Fee Waiver Strategy

Spend ₹5,00,000 annually to waive the annual fee.

⚖️ Breakeven Analysis

To recover the ₹10,000 annual fee at the base reward rate of 3%, you need to spend ₹3,33,334 annually.

🎯 Pro Tips

  • ▸Maximize rewards by using the card for travel and dining expenses.
  • ▸Utilize the unlimited domestic lounge access for frequent travel.
  • ▸Pay attention to the monthly cap on base rewards to optimize earnings.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

-₹1,000

Effective Rate

-0.1%

Ranked #164 of 173 cards#164

₹10,000 annual fee deducted from gross rewards value.

📊 Spending Scenarios - Real-World Returns

Premium Spender (₹1L/mo)

Monthly: ₹1,00,000 · Annual: ₹12,00,000

3%
Effective Return
dining: ₹15,000/motravel: ₹25,000/moshopping: ₹30,000/mointernational: ₹30,000/mo
Annual Rewards Value₹36,000
After Fee (₹10,000)+₹26,000

2.5% base, 5% on weekends & intl spend. Includes welcome vouchers worth ₹5000.

🔄 Redemption Pathways - Value per Point

MethodValue
Flight BookingBEST₹0.50/pt
Gift Vouchers₹0.50/pt

🏷️ Best For

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