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A premium credit card should do more than sit in your wallet. The IndusInd Legend Signature Credit Card is built for people who travel often, spend on weekends, and want their spending to count for something. It skips the recurring annual fee and puts the focus on rewards, low-cost international spending, and a few practical covers that quietly make life easier. Think of it as a card that works in the background, earning points and keeping overseas purchases cheaper, without demanding too much attention.
Large purchases feel lighter when you can spread the cost. Use the Airtel Finance EMI calculator to see your monthly commitment before you swipe. Just punch in the amount, the interest rate and a tenure, and the tool does the maths. The figure is indicative: EMI conversion is subject to the bank’s approval, its applicable rate and any processing fee.
The IndusInd Bank Legend Credit Card benefits boil down to a few things that actually matter. The rewards programme gives you 2 points per ₹100 on weekends and 1 point per ₹100 on weekdays, your points never expire while the account stays active and in good standing, and you can redeem them for cash credit, vouchers, merchandise or air miles. A low foreign currency mark-up fee of 1.8% plus GST keeps international spending sane. You also get Total Protect, which covers unauthorised transactions up to your credit limit if the card is lost or stolen, along with travel insurance for lost baggage, passports and missed connections, both of which sit in the background until you need them. And the lifestyle privileges, from a monthly buy-one-get-one movie ticket on BookMyShow to a 24x7 concierge, add a layer that feels less like a bank product and more like a club membership.
On IndusInd Legend Credit Card lounge access, one point needs stating plainly: the complimentary lounge benefit on this card was discontinued with effect from 7 March 2025. Priority Pass membership is available on request and opens up 600-plus lounges worldwide, but visits are charged at up to US$35 per person, billed to your card, from the very first visit.
Applying for this card through Airtel Finance takes a few minutes, and the steps are straightforward. First comes the quick eligibility verification — you share a few details about your income and employment, and the system checks if you fit the bank's criteria. No guesswork, just a clear yes or no.
Once that clears, you move to document submission. Keep your PAN card, [Redacted], and a recent salary slip or bank statement handy. Snap clear photos and upload them. The final stage wraps everything up with a video KYC for application completion. A representative verifies your face against your documents, confirms a few details, and that is it. The card reaches you within days, ready to use for everything from international transactions to your daily coffee run.
You pay once when you join, and then the card runs without a recurring IndusInd Bank Legend credit card annual fee. The other charges are worth knowing before you commit. GST applies to all fees at the prevailing rate.
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹5,000 (one-time) |
| Annual Fee | Nil |
| Finance Charges | 3.95% per month (47.40% per annum) |
| Foreign Currency Mark-up | 1.8% + GST |
| Cash Advance Charges | 2.5% of transaction amount (minimum ₹300) |
| Late Payment Charges | ₹100 to ₹1,300, depending on outstanding balance |
| Reward Redemption Fee | ₹149 for cash redemption, ₹100 for other categories |
| Fuel Surcharge Waiver | 1% waiver on eligible fuel transactions, subject to the bank's cap |
Category-based transaction fees also apply on utility, rent, wallet, education and fuel spends above stated thresholds. For the full schedule, read IndusInd Bank's Most Important Terms and Conditions before you apply.
The bank keeps its credit card eligibility requirements simple. If you earn a steady income and maintain decent credit discipline, you likely qualify. Here is the breakdown.
| Criteria | Details |
|---|---|
| Age | 18 to 65 years |
| Residency | Resident of India |
| Employment | Salaried or Self-Employed |
| Income | Assessed by the bank at the time of application |
| Credit Score | No published minimum; a healthy score improves your chances |
Activating the card once it arrives is a five-minute job. No paperwork, no branch visits. Do it within 30 days of issuance, as required by RBI rules.
Head to the official IndusInd Bank website to begin the activation procedure.
Type in your registered mobile number and PAN to verify your identity.
Verify your mailing address, select your Legend Credit Card, and finish with a short video KYC call to make the card live instantly.
The moment that call ends, your card is ready for use — online, offline, anywhere.
Redeeming the reward points earned on your IndusInd Bank Legend Credit Card is a straightforward process. You can convert your accumulated points into various benefits, such as cashback, gift vouchers, or travel.
To redeem your points, you can follow these methods:
Log in to your IndusInd Bank net banking or IndusMobile app, select your Legend Credit Card under 'Credit Cards', go to 'Rewards', and choose your preferred redemption option.
Call the IndusInd Bank customer care helpline and follow the executive's instructions to complete your reward point redemption.
Earn up to 25% cashback on Airtel Mobile, Broadband & DTH recharges through Airtel App.
*T&C apply
