IndusInd Bank Legend Credit Card

Here’s why this premium credit card is an ideal choice:

If you are a frequent traveller and want to upgrade your lifestyle, this card from IndusInd Bank may be the right fit. It offers travel perks as well as accelerated rewards on weekends to help you save as you live life to the fullest. 

Indus Moments, the rewards program of IndusInd Bank, lets you redeem points for over 6,000 products and experiences. This includes travel vouchers, merchandise, clothing, and more. You can combine points with the credit limit of your card to shop from this platform.

Here is how the rewards program works:

A. Reward points 

• You get 1 reward point per ₹100 spent on weekdays, excluding fuel transactions

• You get 2 reward points per ₹100 spent on weekends, not counting fuel transactions

• You get 1 reward point on every ₹100 you spend on categories such as medical, automobile & telecom

• You earn 0.70 reward points when you spend every ₹100 on utilities, insurance, government, education and real estate/rent

Here is an example:

Disclaimer: The above example is for illustration purposes only. 

B. Redemption process

• You can redeem your rewards by logging in to your credit card account and accessing the Indus Moments portal. You can choose from a number of brands such as Yatra, JioMart, Zepto, Abhibus, Clovia, Wakefit, and more.

• You can opt to pay with rewards at select merchant outlets, where you can use your accumulated points plus your Legend Credit Card

• You can redeem up to 25% of your bill payment amount or 25% of your reward points balance, whichever is lower

• You can redeem your reward points against InterMiles, which you can use on partner airlines. Here, 100 reward points = 100 InterMiles

• If you are a Club Vistara member, you can redeem the reward points for CV points, where 1 reward point = 1 CV point

• For non-cash redemptions (excluding air miles), the cash value is ₹0.75 per reward point

• You can convert your reward points to cash, with a value of ₹0.50 per reward point

A reward redemption fee of ₹100 is applicable on each redemption.

C. Expiration 

All the reward points you earn are valid as long as the card is active. In other words, these points do not expire.

D: Example of Savings

Using the examples taken above, here is a look at what your annual expenses and savings will look like: 

Disclaimer: The above example is for illustration purposes only. The actual rewards and savings may vary based on the policies of the issuer and on the timely payment of credit card dues. Please check with the card issuer before applying. 

This example demonstrates that you can earn more reward points on bigger spends. Here, you have earned a total of 1,254 reward points that translate into a cash value of ₹627. This is calculated as 1 reward point = ₹0.50. 

If you choose not to convert your reward points into cash and instead redeem them against items in the catalogue, 1 reward point into = ₹0.75. So, the value of 1,254 points = ₹940.50. 

On spending ₹30,000 a month, you can accumulate around 450 points.  You can save around ₹26,461 when you add these with the costs related to:

• Fuel surcharge waiver of ₹2,400

• Complimentary movie tickets of ₹2,400

• Priority Pass membership for you and your partner values at ₹16,261

Here are the fees applicable to this card based on your usage:

Note: GST of 18% is applicable on all the charges mentioned above.

Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

Go through the IndusInd Bank Legend Credit Card eligibility criteria to know if you can apply. You must be:

• An Indian citizen 

• Between 21 and 65 years

• Creditworthy, with a good credit score

• Earning at least 20,000 per month as a salaried or self-employed professional 

Here is a basic list of documents you can keep ready before applying online:

• Address Proof:

  1. Aadhaar Card

  2. Additional residential proof if the address on your Aadhaar Card is different from your current address

• Identity Proof:

  1. PAN card

• Income Proof:

  1. 3 months bank statement

  2. Form 16 or audited financials for the last 2 years (if self-employed) 

  3. Salary slips (past 3 months)

To get the IndusInd Bank Legend Credit Card, apply online on Bajaj Markets. Read the steps below to get an idea of how to apply:

1. Click ‘Check Eligibility’ and fill in the required details, including your profession, date of birth, and mobile number

2. Enter the One-Time Password (OTP) received on your number

3. Re-check the prompted details like your PAN number, PIN code, email ID, and income information

4. Apply for the card that matches your needs from the listed options

5. Click ‘Submit’ and complete your application

In case of any queries, contact IndusInd Bank's customer care team:

• Call 18602677777 from within India and 022-42207777 from outside India 

• Message “Hi” to +91 22 4406 6666 on WhatsApp

• Email: premium.care@indusind.com

Before choosing the Legend Credit Card, compare it with other cards from the same issuer:

Disclaimer: The benefits mentioned are subject to change as per the policies of IndusInd Bank. Check them before you apply for a specific card.

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.