IndusInd Legend Credit Card Review: Unlock Exclusive Lifestyle Benefits

Welcome to our comprehensive review of the IndusInd Legend Credit Card, a premium offering designed for individuals seeking exclusive lifestyle benefits, rewards, and privileges. Whether you’re a frequent traveler, dining enthusiast, or luxury shopper, this card has something to offer. Let’s break down the standout features of this card, starting with its fees and charges.

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Fees and Charges:

The joining fee for the IndusInd Legend Credit Card varies based on your relationship with the bank and the offer you receive. It can be ₹24,999, ₹10,000, ₹5,000 plus taxes—or even Life Time Free.

Note - Upon paying the charges within 15 working days via SMS and email, you can choose from: Essential Brand and Non Essential Brand Vouchers 

There is no Renewal Fee on this Card, After the First Joining Fee This Card Becomes Life Time Free.

Additionally, the interest rate on outstanding balances is 3.83% per month, which translates to 46% per annum, comparable to other premium credit cards.

Key Features and Benefits:

Welcome Benefits:

Your welcome gift could include vouchers from Oberoi Hotels, Luxe Gift Cards, Montblanc, and more—depending on the joining fee paid.

Essential Brands:

• Amazon, Apollo Pharmacy, Croma, Myntra, TataCliq, Zomato, and Flipkart vouchers (₹7,500 worth for a ₹10,000 fee and ₹3,500 worth for a ₹5,000 fee ).

Non-Essential Brands:

• Pantaloons, Puma, Bata, Woodland, Raymond, Arrow, Hammer, PVR, Titan vouchers (₹10,000 worth for a ₹10,000 and ₹5,000 worth for a ₹5,000 fee).

For Life Time Free membership: No vouchers are issued.

For ₹24,999 Joining Fees: You can take vouchers from Oberoi Hotels, Luxe Gift Cards, Montblanc as mentioned on their Official Website worth rupees 24,999 as per your Joining Fee.

Legend Life Benefits:

Buy 1 Get 1 Movie Ticket Free:

Enjoy a free movie ticket on BookMyShow with a limit of 3 tickets per month. Also, get ₹50 off on food and beverages (up to ₹200 on movie tickets). Food & beverage purchases must be made in the same transaction to avail the discount.

Concierge Services:

Get access to concierge services, including pre-trip assistance, hotel reservations, flight bookings, sports and entertainment bookings, flower and gift delivery, and exclusive event bookings (such as workshops or seminars by renowned personalities).

Auto Assist:

Peace of mind with services like roadside repair, emergency fuel supply, flat tire service, lost key assistance, battery service, and emergency towing. All you need to pay are the labor or repair charges to the mechanic. The service is available in major cities like Delhi, Mumbai, Kolkata, Pune, Chennai, and Bangalore. Contact the concierge service at 1860 267 7777 for assistance.

Card Liability Insurance:

The card offers coverage for lost card liability, protecting you against fraudulent transactions up to 48 hours before you report the card loss.

Legend Travel Benefits:

Domestic Lounge Access:

Enjoy 1 complimentary domestic airport lounge access every quarter. Click Here For List

Priority Pass Program:

Complimentary Priority Pass is provided with the Card, This Card Program has access to over 600 lounges worldwide and it is included for both primary and add-on cardholders. However, a fee of $27 per member per visit is charged on international lounge visit.

Travel Plus Program:

You Can Enrol for the Travel Plus Program with a ₹5,000 annual enrollment fee, in this program you can enjoy up to 8 complimentary international lounge visits. This adds to the Priority Pass program by waiving the $27 fee for 8 visits.

Forex Markup Fee:

A low foreign exchange markup fee of just 1.8% on international transactions.

Air Accident Insurance:

Coverage of up to ₹25 lakh for air travel, provided you book your flight using the Legend Credit Card.

Travel Insurance:

Comprehensive travel insurance, including:

• Lost baggage: ₹1,00,000
• Delayed baggage: ₹25,000
• Loss of passport: ₹50,000
• Lost tickets: ₹25,000
• Missed connections: ₹25,000

Lifestyle Experiences:

Access luxury dining, golf sessions, spa treatments, and other exclusive experiences right from the moment you receive your card.

Fuel Surcharge Waiver:

Save with a 1% fuel surcharge waiver, capped at ₹100 per month, on transactions between ₹500 and ₹3,000 at petrol stations across India.

Rewards Program:

Earn Rates:

• 2 reward points for every ₹100 spent on weekends.
• 1 reward point for every ₹100 spent on weekdays.
• 1 reward point for every ₹100 spent on medical, automobile, and telecom transactions.
• 0.7 reward points for every ₹100 spent on utility bills, insurance premiums, government services, education fees, and rent payments.

Note: No reward points are earned on fuel transactions.

Milestone Bonus:
Earn 4,000 bonus reward points when you spend ₹6 lakh in a year from the card issuance date.

Redemption Options:

• 100 reward points = 100 miles with partner airlines or Club Vistara points.
• 1 reward point = ₹0.50 as cash credit (effective from 1st March 2024).

Note: From 1st September 2024, the maximum reward points allowed for cash redemption will be 5,000 per month.

Pros and Cons:

Pros:

• High Reward Rate: Ideal for high spenders who can maximize reward points.
• Extensive Travel Perks: Perfect for frequent travelers with access to lounges and comprehensive travel insurance.
• Exclusive Lifestyle Offers: Enjoy premium privileges, including golf, luxury stays, and spa sessions.

Cons:

• High Annual Fee: The fee may be steep if you don’t fully utilize the card’s benefits.
• Limited Reward Redemption: Redemption options may not be as flexible as other premium cards.

ATM Withdrawals:
Cash withdrawals attract a 2.5% charge, with a minimum of ₹500.

Eligibility criteria:

Devaluation of Card:
From 1st March 2024, non-cash redemption value (excluding air miles) will be 1 RP = ₹0.75. Cash redemption value will be 1 RP = ₹0.50. Effective 1st September 2024, cash redemption is capped at 5,000 points per calendar month.

Who Should Get This Card?

• Frequent Travelers: Perfect for those who travel often and can leverage perks like lounge access and travel insurance.
• High Spenders: Those who spend significantly on luxury, dining, and travel can maximize the card’s rewards program.
• Lifestyle Enthusiasts: If you enjoy premium experiences like golf, fine dining, and wellness services, this card’s lifestyle offers are a great fit.

Conclusion:

The IndusInd Legend Credit Card is an excellent choice for high-net-worth individuals who can make the most of its travel, lifestyle, and rewards benefits. While the high annual fee might deter some, the value provided through welcome gifts, travel perks, and ongoing rewards makes it a solid investment. If luxury experiences and frequent travel are a regular part of your life, this card deserves a place in your wallet.

Use our Affiliate link to apply for IndusInd Credit Card - Click Here

And Check our YouTube Channel for IndusInd Bank Legend Credit Card Detailed Review & Benefits Video - Click Here