1.5 pts / ₹100 · 5 points/₹100 on eligible travel, dining, and international
Strong data Pairwise comparison
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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.
The short answer
VerdictPick Wealth for spending abroad and lounge access.
Head-to-head
Three core metrics- Annual fee Wealth ₹0Legend ₹0
- Forex markup Wealth saves ~₹300 per ₹1L abroadWealth 1.5%Legend 1.8%
- Domestic lounge Wealth: +4 lounge visits/yrWealth 4/year (1 per quarter) Conditional · 1/quarter · requires ₹20,000 spend in the previous month (unlocks the following month)Legend No complimentary lounge access
Reward earning explained
Per card1 pt / ₹100 · Up to 2 pts / ₹100 on Weekend
Strong dataPick based on what matters
4 dimensionsStart 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 (4/year (1 per quarter) vs No complimentary lounge access).
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Travel Insufficient data Insufficient data to compare travel
Only IDFC FIRST Bank Wealth has comparable evidence here. Forex markup is 1.5%.
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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%).
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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.
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Rewards Tie Both cards are similar for rewards
IDFC FIRST Bank Wealth conservative base value ~0.4% vs IndusInd Bank Legend's ~0.5%. IndusInd Bank Legend conservative base value ~0.5% vs IDFC FIRST Bank Wealth's ~0.4%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- IndusInd Bank Legend: ~₹250/month at base rate
- IDFC FIRST Wealth: ~₹190/month at base rate
Illustrative only, using current base rates before caps.
| Field | Wealth IDFC FIRST Bank | Legend IndusInd Bank |
|---|---|---|
| Insurance — Air accident cover Only available for IDFC FIRST Wealth | ₹1 crore | Not specified |
| Insurance — Personal accident cover Only available for IDFC FIRST Wealth | ₹10 lakh | Not specified |
| Insurance — Lost card liability cover Only available for IDFC FIRST Wealth | ₹50,000 | Not specified |
| Insurance — Underwriter Only available for IDFC FIRST Wealth | Insured by New India Assurance | Not specified |
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs No complimentary lounge access | 4/year (1 per quarter) | No complimentary lounge access |
| International lounge visits 1 per quarter vs Not included | 1 per quarter | No international lounge access |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 1.5% vs 1.8% | 1.5% | 1.8% |
| Fees | ||
| Recurring annual fee | ₹0 | ₹0 |
| First-year cost Only available for IDFC FIRST Wealth | ₹0 | Not specified |
| Interest-free period Only available for IDFC FIRST Wealth | Up to 45 days | Not specified |
| Monthly interest rate Only available for IDFC FIRST Wealth | 3.85% / month | Not specified |
| Fuel benefit 1% surcharge waiver · ₹200–₹5,000 transactions · Fuel rewards excluded vs 1% surcharge waiver · Fuel rewards excluded | 1% surcharge waiver · ₹200–₹5,000 transactions · Fuel rewards excluded | 1% surcharge waiver · Fuel rewards excluded |
| Rewards | ||
| Points per ₹100 1.5 pts / ₹100 vs 1 pt / ₹100 | 1.5 pts / ₹100 | 1 pt / ₹100 |
| Conservative base value ~0.4% vs ~0.5% | ~0.4% | ~0.5% |
| Earn ceiling ₹20,000 per month vs Not stated | ₹20,000 per month | Not stated |
| 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
- IDFC FIRST Wealth Credit Card: Condition: ₹20,000 spend in the previous month (unlocks the following month)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
IDFC FIRST Bank Wealth
Verify with issuer , opens external siteIndusInd Bank Legend
Verify with issuer , opens external site