IndusInd Bank Legend Credit Card: Features & Benefits

IndusInd Bank Legend Credit Card Features & Benefits

Summary

The IndusInd Bank Legend Credit Card provides several premium benefits created for frequent shoppers, travelers, and luxury enthusiasts. The points to note about this card are the high earning rate of 2 reward points for every ₹100 spent through all sorts of purchases- like dining out, shopping, and online transactions-makes this quite ideal for maximizing rewards users.

It awards cardholders with bonus reward points through special categories such as those for dining and travel, which further enrich the benefits. These points may be redeemed for an exciting array of such things as luxury gifts, shopping vouchers, travel discounts, and cash back.

This is not all that the IndusInd Bank Legend Credit Card offers, as it gives exclusive privileges that include free airport lounge access across India and overseas, making one’s travel smoother. Card members also get fuel surcharge waived at specific petrol stations, helping save on petrol.

Introduction

Credit cards have become an integral part of today’s modern life, which not only provides the convenience of payment to the people but also offers many benefits and conveniences. In this context, IndusInd Bank’s “IndusInd Bank Legend Credit Card” is a prominent name that is making financial management even easier and more beneficial to its customers by offering great benefits and conveniences.

IndusInd Bank’s IndusInd Bank Legend Credit Card will be offered to customers for an exceptional experience with a touch of luxury, comfort, and rewards. The IndusInd Bank Legend Credit Card is exclusively for people who seek higher standards in their lives and enjoy a luxurious life along with freedom from finance.

Legend Credit Card holders enjoy a host of features, including higher credit limits, great reward points, and unmatched travel benefits. Along with this, IndusInd Bank Legend Credit Card is especially for those customers who regularly make purchases of large amounts and expect special rewards and cashback on them.

In today’s article, we will discuss in detail about IndusInd Bank Legend Credit Card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of Legend Credit Card in this article and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not face any problems later.

What is the IndusInd Bank Legend Credit Card?

Credit Card is a prestige credit card designed for people who consider that a good lifestyle and freedom should be carried out with high standards. The IndusInd Bank Legend Credit Card offers cardholders an experience that is superior with higher credit limits, great reward points, and exclusive travel benefits.

Cardholders have enhanced welcome packages along with the higher benefits of travel insurance, discount hotel rates, discount restaurant offers, and shopping. Legend Credit Card also features enhanced services and safety through Visa or MasterCard global online.

How is the design of the IndusInd Bank Legend Credit Card?

Credit Card boasts a rich, elegant look. It sports the platinum color along with a high-class finish, with the card compact and light, thus making it very convenient for carrying.

Its neat and trendy layout comprises the bank’s logo, along with details like the card number and name of the holder, all appearing to be printed on the card. The style and professionalism would make the entire look classy, hence giving the feel of high class.

What are the benefits of the IndusInd Bank Legend Credit Card?

Here’s what you can expect:

  1. High Reward Points: You earn 2 reward points for every ₹100 you spend on your card. This probably covers most of your purchases, so be prepared to spend loads of money on this card.
  1. Bonus Reward Points: Benefit from supplementary points for certain categories such as dining, travel, and shopping.
  1. Exclusive Offers: Get exclusive discounts on brands such as luxury, fine dining, and international travel by being on this card.
  1. Milestone Benefits: You receive bonus reward points every time you hit certain spending milestones, which can be used to claim gifts or vouchers.
  1. Airport Lounge Access: Get free access to airport lounges in India and across the world for a comfortable travel experience.
  1. Fuel Surcharge Waiver: Get a waiver on fuel surcharge when you pay for fuel at select stations using the card.
  1. Priority Customer Care: it will always offer the cardholder priority customer care on issues promptly.

What are the fees for the IndusInd Bank Legend Credit Card?

Here is a simple breakup of the Legend Credit Card fees.

Joining Fee₹9,999 + GST (one-time fee when you get the card).
Annual Fee₹9,999 = GST per year. This will be waived if you spend ₹5,00,000 or more in a year.
Add-on Card FeeNo charges for additional cards for family members.
Finance Charges3.5% per month (42% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment FeeFor Statement Balance
Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an IndusInd Bank Legend Credit Card?

The following are the primary requirements:

  1. To apply for the Credit Card, you must be between 18 and 70 years old.
  • Self-Employed Professionals: A minimum Annual income of Rs.15 lakhs usually does the job.
  1. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
  1. Your credit score plays a role in the selection process. It is a tendency for IndusInd Bank to favor borrowers with a better credit score usually above 750. 
  1. You must be an Indian resident and have valid address proof within the country. 
  1. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
  1. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an IndusInd Bank Legend Credit Card?

The documents that you will have to submit to get a Credit Card are as below:

Identity ProofAadhaar card, Passport, Voter ID, Driving license, PAN card
Address ProofUtility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income ProofUtility bills like electricity, water, ancient agreement, Bank statement, or passbook with your address
PhotographThe latest passport-sized photograph

Where can the IndusInd Bank Legend Credit Card be used?

Here is the list of places where you can use it:

  • With the Legend Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
  • You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
  • You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
  • You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
  • You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
  • You can use your  IndusInd Bank Legend Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
  • The Legend Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the IndusInd Bank Legend Credit Card?

The credit amount you can spend is what you are provided with a Legend Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an IndusInd Bank Legend Credit Card?

Apply it through both these modes: 

Online Application Process:

  • Visit the official website of the IndusInd Bank, i.e. 
  • Go to ‘Cards’, followed by ‘Credit Cards’.
  • On that page, you can see numerous options for credit cards issued by IndusInd Bank; for instance, you can choose the  IndusInd Bank Legend Credit Card.
  • Just hover your cursor on the Credit Card, followed by selecting ‘Apply Now‘ from there.
  • You will be asked to fill out your details including your name, contact information, income details, and employment status.
  • Be accurate and updated with the information provided.
  • You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
  • After filling out the details and uploading the documents, review your application to make sure everything is correct.
  • Apply online through the application form.
  • The bank will check your application after submitting it. They can ask for extra documents or information if required.
  • You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

  • You can walk into the nearest IndusInd Bank branch to apply for the Legend Credit Card.
  • Request for the credit card application form of the Legend Credit Card. They will provide you with the form and proceed accordingly.
  • Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
  • Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
  • Your application will be processed, and your information will be cross-checked at the bank level.
  • In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
  • You will receive the Legend Credit Card by post at the same postal address.
  • Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the IndusInd Bank Card website, or mobile app or by calling their customer service.
  • You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an IndusInd Bank Legend Credit Card in 2025 be right?

Yes, getting an IndusInd Bank Legend Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

IndusInd Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Legend Credit Card is a great credit card that meets all the needs of today’s customers. With IndusInd Bank Legend Credit Card, the bank has offered a package that is a perfect blend of standards and features.

The benefits and features of Credit Card provide an enhanced customer experience. This includes a higher credit limit and better reward points, which give great rewards and cashback even on big spends. It makes managing your finances easy and profitable.

You experience the best services and security not only in your country but all over the world when you use the Credit Card. Legend Credit Card is recognized all over the world through Visa or MasterCard network, which means you can make any transaction anywhere without a hassle.

Frequently Asked Questions (FAQ’s)

Que: Is it possible for me can access the IndusInd Bank Legend Credit Card with international travel, too?

Ans: If you have this Credit Card, even while traveling you can use it since it is popularly accepted over the Visa or MasterCard networks.

Que: How could I earn my reward points at IndusInd Bank Legend Credit Card and where can I utilize them?

Ans: To accrue reward points, you have to use your card for regular purchases and transactions. These points are redeemable at various rewards and cashback offers. You can visit the website of the bank for details regarding the redemption procedure and options available.

Que: What do I do if I lose or get my IndusInd Bank Legend Credit Card stolen?

Ans: If your card is stolen or lost, immediately report the loss to the bank. The bank will help block your card and provide a new card to you. Details can be fetched either from the helpline number of the bank or through visiting any branch of the bank.

Que: What are the security features and fraud prevention processes for IndusInd Bank Legend Credit Card?

Ans: Credit Card has many security measures like encryption technology, real-time monitoring of every transaction, and measures against fraudulent activities. For more security about your card, use only secure websites and always keep your card information to yourself.

Que: Does the IndusInd Legend credit card give access to an airport lounge?

Ans: And that is not all. Enjoy free entry at International Lounges situated in countries outside of India through Priority Pass, courtesy of your issued Credit Card. Airport Lounge Access: Get one complimentary lounge visit each quarter on your card.

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