INDUSIND

IndusInd Bank Legend Credit Card

Good fit when rewards, fees, and forex fit your spend pattern — no complimentary lounge access.

Top reasons to choose this card

Low 1.8% forex markup

What you'd do with it

Strong fit when no recurring annual fee matters; upfront joining fee is ₹5,000.

Moderate forex 1.8% forex markup

Suggested comparison Similar low-forex profile Compare with IDFC FIRST Bank Select →

Choose another card to compare →

Annual fee ₹0 no annual fee · ₹5,000 joining

Forex markup 1.8% moderate

Lounge access 0 no lounge

Rewards / ₹100 1 pt ₹100

The catch Base earn is 1 points per ₹100, but reward caps, excluded categories, and redemption rules are not fully structured. Check the effective reward rate before applying.

Annual fee known
Forex markup known
No lounge access
Monthly interest known

At a glance

Snapshot · usage · fit

Fast facts

Annual fee: ₹0 among the lowest (20 cards)
Joining fee: ₹5,000
Forex markup: 1.8% lower than 89 of 111 cards
Lounge access: No complimentary lounge access
Reward rate: 1 pt / ₹100

Not a fit for

No domestic lounge access

Still worth it?

Evidence-backed snapshot

Good fit if

Good if avoiding recurring annual fees matters; upfront joining fee applies.
Forex markup is low at 1.8%.
Use this when the base earn rate is enough after checking caps, exclusions, and redemption terms.

Watch out for

No lounge access.

Verify before applying

Annual fee known
Forex markup known
No lounge access
Monthly interest known

Welcome benefit timing and claim process.
Annual fee waiver terms and eligible spend exclusions.
Issuer fees, GST, finance charges, and late-payment terms.
Reward terms to verify: base earn is 1 points per ₹100, but caps, excluded categories, and redemption rules are not fully structured.

Next best move

Open the ranking that matches your constraint, or compare this card with the closest alternative.

Compare with IDFC FIRST Bank Select Similar low-forex profile Low forex credit cards Cards under the low-forex threshold. Forex ranking (verified) Compared on verified forex markup, then annual fee. No annual fee cards Cards with zero published annual fee.

Is this good for lounge access?

No lounge access.

Is this good for international spends?

Forex markup is 1.8%, which can be useful for international spends if the annual fee and usage pattern still make sense.

Is the annual fee easy to recover?

Joining fee is one-time; no recurring annual fee. Check GST and whether benefits require separate eligibility.

When do welcome benefits arrive?

No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.

Fees confidence: High Forex confidence: High Rewards confidence: High · issuer terms Lounge confidence: High Waiver confidence: Unknown

Card facts refreshed 11 July 2026.

Spending requirements

Spend gates · caps · milestone thresholds

Milestone spend₹3,000yearMilestone benefittrivialdirectional

Reward reality

Point value · limits · exclusions

Point valueNot published by issuer — varies by redemption

Base earn1 points per ₹100

Reward rules

Structured earn rates · eligibility · caps when they bind

General spend1 pt / ₹100——

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: ~500 pts/month (base earn · uses base/general earn rate)
Forex cost ~₹900 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Not specified

Rewards

Points per ₹100: 1 pt value depends on redemption

Fees & charges

Fees

Monthly interest rate: 3.95% / month
Annual fee: ₹0
Joining fee: ₹5,000

International Use

Forex markup: 1.8%

4 sources agree · verify issuer terms before applying

Where to verify

IndusInd official page
CardInsider
IndusInd official Legend Credit Card Doc Indusind Bank In Doc Indusind Bank In page
Issuer site (verified manually) (opens in new tab)
Issuer site (verify current terms) (opens in new tab)