Indusind Bank Legend Credit Card Features and Perks Overview

The IndusInd Bank Legend Credit Card offers a wide range of features and perks that make it an attractive option for credit card holders.

With a credit limit of up to ₹5 lakhs, you can enjoy a generous spending limit.

The card also comes with a 50-day interest-free period, allowing you to pay your bills without incurring any interest charges.

This feature is especially useful for those who need to make large purchases or pay bills during the billing cycle.

The IndusInd Bank Legend Credit Card offers a wide range of rewards and benefits that make it a valuable addition to your wallet.

You earn 1 Reward Point per Rs. 100 spent on weekdays and 2 Reward Points for every Rs. 100 you spend on weekends.

Reward points can be redeemed in various ways, including converting them into Cash Credit at a rate of 1 RP = ₹0.50.

You can also redeem your reward points for Intermiles, Krisflyer Miles, or purchase products and gift vouchers through the IndusMoments portal.

To convert reward points to Intermiles or Krisflyer Miles, you need a minimum of 500 reward points.

The IndusInd Bank Legend Credit Card also offers a Milestone Benefit, where you can earn 4,000 bonus Reward Points on achieving a spend of ₹6 lakhs or more within one year from the card issuance date.

Here's a summary of the reward redemption options:

Additionally, you can earn reward points on various transactions, including medical, automobile, and telecom transactions, which award 1 Reward Point per ₹100 spent throughout the week.

The fees and charges associated with the IndusInd Bank Legend Credit Card are quite reasonable. The joining fee is a one-time payment of Rs. 9,999, although it can be waived off in certain circumstances.

There is no annual fee, which is a great perk for cardholders. The late payment charges vary depending on the amount due, ranging from Rs. 100 for amounts between Rs. 101 to Rs. 500, to Rs. 1300 for amounts above Rs. 50,000.

Here's a breakdown of the late payment charges:

Additionally, there's a foreign currency markup fee of 1.80% on all foreign currency transactions.

Cash Advance Charges can be quite steep. 2.5% of the transaction amount is the standard charge, with a minimum of Rs. 500. This means you'll be paying at least Rs. 500 for any cash advance, regardless of the amount you withdraw.

Foreign currency markup is a fee charged on transactions involving foreign currencies. It's 1.80% on all foreign currency transactions. This fee can add up quickly, especially for frequent travelers or those who conduct international business. Always check the exchange rate and fees before making a transaction.

The charges associated with IndusInd Bank credit cards can be a bit overwhelming, but don't worry, I've got you covered.

The joining fee for IndusInd Legend Credit Card is Rs. 9,999, although it can be waived off if you apply through Paisabazaar.

You'll also need to pay a cash advance charge of 2.5% of the transaction amount, with a minimum of Rs. 500.

If you're late with your payments, you'll be charged a fee ranging from Rs. 100 to Rs. 1300, depending on the amount due.

The finance charges for IndusInd Legend Credit Card are 3.83% per month, which translates to 46% per annum.

Here's a breakdown of the late payment fees:

You can also expect to pay a cash payment fee of Rs. 100 at IndusInd Bank branches.

The IndusInd Bank Legend Credit Card is a premium card that offers a wide range of features and perks, making it a great choice for frequent travelers and shoppers.

You can earn up to 4 reward points for every Rs. 100 spent on your IndusInd Bank Legend Credit Card, which can be redeemed for various rewards and benefits.

One of the standout features of this card is the complimentary airport lounge access at over 25+ domestic airports across India, making your travel experience even more enjoyable.

The card also offers a buy-one-get-one offer on movie tickets when you book them on BookMyShow, which is a great perk for movie buffs.

Here are some of the key benefits of the IndusInd Bank Legend Credit Card:

With the IndusInd Bank Legend Credit Card, you can enjoy a range of benefits and rewards that make your travel and shopping experiences even more enjoyable.

You'll be glad to know that the IndusInd Bank Legend Credit Card offers some impressive insurance and protection benefits. With this card, you get a Complimentary Air Accidental cover of Rs 25 Lakhs, which can be a huge relief in case of an emergency.

In addition to this, the card also provides Complimentary Lost baggage Insurance of Rs 1 lakh. This means you'll be covered in case your luggage goes missing during your travels.

The card's Total Protect feature is another great benefit, covering you for unauthorised transactions on your card at merchant establishments up to the credit limit of your card. This includes add-on cards, giving you even more protection.

Total Protect is a card security program that covers unauthorized transactions on your card at merchant establishments.

It's a first-of-its-kind program that provides comprehensive protection for a sum up to your credit limit.

Total Protect is available on add-on cards, giving you extra peace of mind.

This means you can enjoy your credit card benefits without worrying about unauthorized transactions.

Total Protect covers you for unauthorized transactions at merchant establishments, providing a safety net for your finances.

Insurance can provide a financial safety net in case of unexpected events, such as accidents or lost baggage.

You can get a complimentary Air Accidental cover of Rs 25 Lakhs.

This means that in the event of an accident, you'll receive a lump sum of Rs 25 Lakhs to help cover medical expenses and other related costs.

Complimentary Lost baggage Insurance of Rs 1 lakh is also available, which can help you replace essential items if they're lost or stolen during travel.

Several other travel insurance covers are also included, offering protection against a range of risks and uncertainties.

To apply for the IndusInd Legend Credit Card, you'll need to meet the eligibility criteria, which includes being between 18 and 65 years old. You can apply as a salaried individual or self-employed individual.

The bank evaluates your profile based on their prescribed eligibility standards. To comply with the eligibility criteria, you'll need a credit score of 750 or above. You must also be a resident Indian.

To apply, access the bank's website and select the 'Credit Cards' option. Fill in your basic details, including your PAN, email ID, mobile number, and pin code. After agreeing to the terms and conditions, click on the 'Verify Mobile Number' option.

If you meet the eligibility criteria, you'll be guided to the next page, where you'll need to fill up a simple application form. You'll also need to upload your KYC documents and submit the form.

Here's a summary of the eligibility criteria:

You'll also need to submit KYC documents and proof of income, which may include your voter's ID card, Aadhar card, passport, driving licence, utility bills, PAN card, passport, driving licence, or photo ID card issued by your employer.

The IndusInd Bank Legend Credit Card is a great option for those who travel frequently, with complimentary access to airport lounges and a low foreign currency markup fee that can help you save on every international transaction.

This card offers rewards programs and yearly milestone benefits, making it a decent choice for those who want an LTF credit card with multiple benefits.

You can earn 2.5% RPs on International Spends and 2% RPs on Domestic Spends, which is a good rate.

Additionally, you can earn 7% Adani Reward Points on Spends Made With Adani Ecosystem, 6 ICICI Reward Points per Rs. 200 spent on retail, grocery, education, and insurance, and 6 Reward Points per Rs. 100 on internationally and 3 Reward Points on domestic spends.

The card also offers 2X rewards on all categories for spends above Rs. 5 lakhs, which is a great perk for those who spend heavily.

Some users have asked about the specific details of the card's benefits, such as lounge access and rewards. Here are some answers to those questions:

Overall, the IndusInd Bank Legend Credit Card is a solid choice for those who want a LTF credit card with multiple benefits.