Which card has a lower forex fee: IDFC FIRST Wealth Credit Card or IndusInd Bank Legend Credit Card?

IDFC FIRST Wealth Credit Card has lower forex markup (1.5% vs 1.8%).

Which card has a lower annual fee: IDFC FIRST Wealth Credit Card or IndusInd Bank Legend Credit Card?

Both cards have the same annual fee (₹0).

Which card offers better lounge access?

IDFC FIRST Wealth Credit Card: 1 per quarter domestic lounge. IndusInd Bank Legend Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

IDFC FIRST Bank Wealth vs IndusInd Bank Legend Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the IDFC FIRST Bank Wealth and the IndusInd Bank Legend. Verify fees, lounge access, forex markup, and base rewards before you apply.

Forex IDFC FIRST Bank Wealth Lounge IDFC FIRST Bank Wealth

Quick comparison

Three core metrics

Wealth IDFC FIRST Bank

Annual fee ₹0 Lifetime free
Forex markup 1.5%
Domestic lounge 1/quarter Conditional · 1/quarter · requires ₹20,000 spend in the previous month

Legend IndusInd Bank

Annual fee ₹0
Forex markup 1.8%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

Wealth

6.7 pts / ₹100 on Dining (10X reward points on Dining, Travel, and Internationa…

Legend

1 pt / ₹100 on General spend

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (IDFC FIRST Bank Wealth: ₹0 vs IndusInd Bank Legend: ₹0), forex markup (1.5% vs 1.8%), or lounge access (1/quarter vs No complimentary lounge access).

Travel Insufficient data

Insufficient data to compare travel

Only IDFC FIRST Bank Wealth has comparable evidence here. Forex markup is 1.5%.

Wealth: Limited data Legend: Limited data
Forex markup IDFC FIRST Bank Wealth wins

IDFC FIRST Bank Wealth is better for forex

IDFC FIRST Bank Wealth is stronger here. IDFC FIRST Bank Wealth has a lower forex markup (1.5% vs 1.8%).
Lounge access IDFC FIRST Bank Wealth wins

IDFC FIRST Bank Wealth is better for lounge access

IDFC FIRST Bank Wealth is stronger here. Domestic lounge access is 1 per quarter.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IDFC FIRST Wealth: ~₹250/month at base rate
IndusInd Bank Legend: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Wealth IDFC FIRST Bank	Legend IndusInd Bank
Lounge Access
Domestic lounge visits 1/quarter vs No complimentary lounge access	1/quarter	No complimentary lounge access
International lounge visits Only available for IDFC FIRST Wealth	4/year	Not specified
Forex / International Use
Forex markup Limited support — verify with issuer. 1.5% vs 1.8%	1.5%	1.8%
Fees
Annual fee	₹0	₹0
Joining fee ₹0 vs ₹5,000	₹0	₹5,000
Interest-free period Only available for IDFC FIRST Wealth	Up to 45 days	Not specified
Rewards
Points per ₹100 2 pts vs 1 pts	2 pts	1 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for IDFC FIRST Wealth	₹0.25	Not specified
Point validity Only available for IDFC FIRST Wealth	2 years	Not specified

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.