The IndusInd Legend Credit Card offers the feel of a premium card without the fee. It is lifetime free, earns double reward points on weekends, gives up to 3 free movie tickets every month on BookMyShow, and includes Priority Pass membership, travel insurance and a 1.8% forex markup. The catch is the income requirement: ₹80,000 a month for salaried applicants.
How the rewards work
| Spend | Earn |
|---|---|
| Weekday spends | 1 Reward Point per ₹100 |
| Weekend spends | 2 Reward Points per ₹100 |
| Milestone: ₹6 lakh spend within a year of card issue | 4,000 bonus Reward Points |
Good to know: the offer does not state what a Legend reward point is worth in rupees, so check the redemption options on IndusInd Bank’s site. Shifting big purchases to Saturdays and Sundays doubles what you earn.
Where the real value is
For most people, the movie offer is worth more than the points. Buy 1 Get 1 on BookMyShow with 3 free tickets every month means up to 36 free tickets a year. Even at a modest ₹250 a ticket, that is up to ₹9,000 a year for a family that goes to the movies regularly. Add Priority Pass access and travel insurance, and the card delivers a lot for zero cost.
Other benefits
- Priority Pass: membership for airport lounge access (check the visit allowance when you apply).
- Forex: 1.8% markup on international transactions.
- Travel insurance: ICICI Lombard General travel insurance.
- Dining: instant discounts on Swiggy, EazyDiner and more brands.
Partner discounts
- boAt: flat 10% off sitewide.
- BigBasket: 10% instant discount up to ₹250 on orders of ₹2,000+.
- PVR: ₹100 off food and beverage orders above ₹350.
- Lifestyle: an extra 15% off on orders above ₹1,999.
- Others: offers on Swiggy, Titan, Reliance and more through IndusInd’s offers portal.
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | Free, for life |
| Forex markup | 1.8% |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Income (salaried) | ₹80,000 a month |
| Income (self-employed) | ₹1,00,000 a month |
| Credit score | 650 or above |
| First credit card? | Allowed |
| Repayment record | No delayed payments in the last 12 months |
Note: IndusInd Bank decides which card to offer based on your profile, so you may be shown a different card from the one you came for. An existing card with a limit above ₹50,000, or a running home or auto loan, improves your chances.
Documents you will need
- Identity: PAN card (or Form 60) plus a photo ID
- Address: a valid address proof such as Aadhaar
- Income: salary slips, bank statements or ITR
How to apply
- Tap Apply on IndusInd Bank site on this page to open IndusInd Bank’s application.
- Enter your details and complete the verification process, including OTP and KYC checks.
- IndusInd Bank then shows the cards you are eligible for. Choose the IndusInd Legend Credit Card if it is offered to you.
- Submit the application and activate the card once it arrives.
Who should get it, and who shouldn’t
Get it if you earn ₹80,000 or more a month, go to the movies often, spend a fair amount on weekends and want premium perks without paying an annual fee.
Skip it if you are after high everyday rewards. At 1–2 points per ₹100 with no stated point value, a cashback card is likely to return more on regular spending.
