IndusInd Legend Credit Card: Lifetime Free, 2X Weekend Rewards & BOGO Movies
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Apply for the IndusInd Legend Credit Card with lifetime free terms (₹0 joining & annual fee). Enjoy 2X weekend rewards, discounted 1.8% forex markup, and BookMyShow movie perks.
Key Highlights at a Glance
| Feature | Details |
|---|---|
| Fees | Lifetime Free ⚠️ Verify fees before activating: final fees are confirmed at application. Check the fee shown in your application and welcome communication, and make sure no joining or annual fee is charged before you activate the card. |
| Reward rate | 1 RP per ₹100 on weekdays, 2 RP per ₹100 on weekends |
| Real value | Weekdays 0.50%–0.75%; weekends 1.00%–1.50% (depends on redemption route) |
| Milestone bonus | 3,000 RP on ₹5 lakh spend in the first year [verify: one source says 4,000 RP at ₹6 lakh] |
| Movies | BookMyShow Buy 1 Get 1: one free ticket a month, up to ₹200 |
| Forex markup | 1.8% + GST |
| Fuel | 1% fuel surcharge waiver (GST not waived); no reward points on fuel |
| Lounge | Priority Pass on request, paid per visit (up to US$35); no free visits |
| Points expiry | None while the account is active |
Lifetime Free Offer
IndusInd Legend Credit Card: 100% Lifetime Free (₹0 Annual & Joining Fee)
🎬 Perks: Buy 1 Get 1 Free on BookMyShow (up to 3 free tickets/month) + 2X rewards on weekend spends.
Apply Now on IndusInd Bank →Rewards & Benefits Fact Sheet
🎯 Reward Rates (with real ₹ value)
- Weekdays: 1 RP per ₹100.
- Weekends: 2 RP per ₹100.
- Value per point depends on how you redeem:
- Pay with Rewards / IndusMoments: 1 RP ≈ ₹0.75 (issuer’s stated value)
- Statement cash credit: 1 RP ≈ ₹0.50 per third-party sources
- Airline miles: 1:1 per aggregators
| Spend type | Points rate | Real value at ₹0.50/RP | Real value at ₹0.75/RP |
|---|---|---|---|
| Weekday | 1 RP / ₹100 | 0.50% | 0.75% |
| Weekend | 2 RP / ₹100 | 1.00% | 1.50% |
The points rate is not the cashback percentage. At best, weekends return 1.5%.
🧮 Spend Examples
- ₹10,000 on a weekday: 100 RP, worth ₹50–₹75.
- ₹10,000 on a weekend: 200 RP, worth ₹100–₹150.
- ₹5 lakh in a year, all on weekdays (an illustrative assumption): 5,000 RP + 3,000 bonus RP = 8,000 RP, worth ₹4,000–₹6,000, or about 0.8%–1.2% overall.
🎁 Annual Milestone
- 3,000 bonus RP (worth ₹1,500–₹2,250) on spends of ₹5 lakh or more within one year of card issue. Primary and add-on spends count.
🚫 Zero-Reward / Excluded Categories
- Fuel: no reward points (since April 2018).
🎬 BookMyShow Offer
- Buy 1 Get 1 free: one free ticket per month
- The free ticket is capped at ₹200. Any excess is paid on the card.
- Extra ₹50 off on the F&B option. Valid at BookMyShow-registered theatres.
- Maximum benefit is about ₹2,400 a year (12 × ₹200).
🌍 Forex Markup
- 1.8% + GST on foreign currency transactions (primary and add-on cards). Other IndusInd cards charge 3.5%.
- Dynamic Currency Conversion (INR transactions abroad, or at overseas-registered merchants): 2% + GST, applicable from 15 June 2026.
⛽ Fuel Surcharge Waiver
- 1% waiver at fuel stations across India, on payments made with the card. GST on the surcharge is not waived.
- IndusInd can cap the value or number of fuel transactions.
- ⚠️ From 15 June 2026, 1% + GST applies to cumulative fuel spend above ₹30,000 per statement cycle.
🛋️ Airport Lounge
- No complimentary lounge visits. Priority Pass membership is available on request, and every visit is charged at up to US$35 per person (including in India, and for guests).
🛡️ Travel Insurance
- ICICI Lombard cover for checked-in baggage loss and delay (over 12 hours), passport and ticket loss, and a missed connection (over 6 hours).
- Valid for 20 days of international travel. Inform the bank at least 48 hours before departure and within 48 hours after arrival. Tickets must be booked on the card.
⚠️ Fine Print: Fees That Add Up
- 1% + GST on rent payments through third-party merchants.
- 1% + GST on cumulative spends above these limits per statement cycle: utilities ₹25,000, wallet loads ₹20,000, education ₹45,000, and transport (MCCs 4111, 4112, 4784, 4131) ₹40,000.
- Redemption fees:
- ₹149 for cash redemption.
- ₹100 for other redemption categories.
- Twid “Pay with Rewards”: 5% + GST, minimum ₹5 and maximum ₹100 + GST.
- Small redemptions lose value to these fees, so redeem in bulk.
- Cash cap (statement credit): third-party sources report a limit of 5,000 RP per statement cycle
- Cash advance: 2.5% (minimum ₹300). Over-limit: 2.5% (minimum ₹500).
- Interest: 3.95% a month (47.40% a year). Pay in full to avoid it. Interest-free credit applies only if there is no balance carried over from the previous statement.
- Late payment fee (current slabs):
| Outstanding | Fee |
|---|---|
| Up to ₹100 | Nil |
| ₹101–₹500 | ₹100 |
| ₹501–₹1,000 | ₹500 |
| ₹1,001–₹5,000 | ₹600 |
| ₹5,001–₹10,000 | ₹750 |
| ₹10,001–₹25,000 | ₹900 |
| ₹25,001–₹50,000 | ₹1,100 |
| Above ₹50,000 | ₹1,300 |
- Returned payment: ₹250. Replacement card: ₹100.
- The bank may withdraw benefits if it detects misuse of rewards or offers.
🛍️ Partner Offers (time-bound:)
boAt 10% off, BigBasket 10% off (up to ₹250 on ₹2,000+), PVR ₹100 off on F&B above ₹350, Lifestyle extra 15% off above ₹1,999, plus IndusMoments offers (Ajio, IGP, FlixBus, Spotify and others).
Eligibility Criteria & Required Documents
- Age: 21 to 65 years
- Employment Type: Salaried or Self-Employed (New to Credit / First-time applicants allowed)
- Monthly Income:
- Salaried: Minimum ₹80,000/month
- Self-Employed: Minimum ₹1,00,000/month
- Credit Score: 650+ (No delayed payments in the last 12 months)
Documents Needed:
- Identity Proof: PAN Card or Form 60
- Address Proof: Officially valid document (Aadhaar, Passport, Utility Bills)
- Income Proof: Latest salary slips or bank statements
How to Apply Online
- Start Your Application:
- Verify Mobile & PAN: Enter your mobile number and PAN details to view your pre-approved offers.
- Complete Digital V-KYC: Carry out your quick Video KYC session using your physical PAN card.
- Instant Virtual Card: Generate your virtual card right after approval and start transacting online immediately.
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