M16S / IndusInd Bank / IndusInd Legend Credit Card
mid · rewards, lifetime-free
IndusInd Legend Credit Card
The IndusInd Legend Credit Card charges no annual fee and no joining fee. Its base return is 0.5%. Accelerated earn: 2 RP per Rs 100 on weekends. The forex markup is 1.8%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 0.5%
- Forex markup
- 1.8%
- Interest
- 3.95%a month
What changed on this card
- IndusInd Bank adds 1% fee on transport spends above Rs 40,000, Jun 2026
From 15 Jun 2026 a 1% fee plus GST applies to cumulative transport transactions (MCCs 4111, 4112, 4784, 4131) above Rs 40,000 in a statement cycle. Source: IndusInd Bank, indusind.bank.in, read 28 Oct 2026
- IndusInd Legend lowers fuel fee threshold to Rs 30,000, Jun 2026
From 15 Jun 2026 a 1% fee plus GST applies on cumulative fuel transactions above Rs 30,000 in a statement cycle on Legend. The threshold was Rs 50,000 until 14 Jun 2026. EazyDiner Signature stays at Rs 50,000. Source: IndusInd Bank, indusind.bank.in, read 28 Oct 2026
- IndusInd Legend raises dynamic currency conversion fee to 2%, Jun 2026
From 15 Jun 2026 the dynamic currency conversion fee on Legend is 2% plus GST, up from a 1% mark-up fee. EazyDiner Signature stays at 1% plus GST. Figures are from the Schedule of Charges. Source: IndusInd Bank, indusind.bank.in, read 28 Oct 2026
- IndusInd Bank revises late payment charge slabs, Jun 2026
From 15 Jun 2026 slabs by outstanding balance are Rs 100 for Rs 101 to Rs 500, Rs 500 for Rs 501 to Rs 1,000, Rs 600 for Rs 1,001 to Rs 5,000, Rs 750 for Rs 5,001 to Rs 10,000, Rs 900 for Rs 10,001 to Rs 25,000, Rs 1,100 for Rs 25,001 to Rs 50,000 and Rs 1,300 above Rs 50,000. The earlier slab for Rs 501 to Rs 1,000 was Rs 350 and for Rs 1,001 to Rs 10,000 was Rs 550. Figures are from the Schedule of Charges. Source: IndusInd Bank, indusind.bank.in, read 28 Oct 2026
- IndusInd Bank ends air accident insurance cover, Dec 2025
The air accident insurance coverage feature on IndusInd credit cards was discontinued from 21 Dec 2025. Source: IndusInd Bank, indusind.bank.in, read 28 Oct 2026
- IndusInd Bank adds 1% fuel fee above Rs 50,000, May 2025
From 4 May 2025 fuel transactions up to Rs 50,000 in a statement cycle attract no fee. Above Rs 50,000 a 1% fee plus GST applies to the whole cumulative fuel spend for that cycle. Source: IndusInd Bank, indusind.bank.in, read 28 Oct 2026
- IndusInd Bank limits cash redemption to 50% of balance, Apr 2025
From 1 Apr 2025 cash credit redemption is limited to the lower of 50% of the points balance and the product monthly cap. Points earned on unpaid spends are pulled back if the Minimum Amount Due is missed by the next statement date, and points on the fractional part of spends above the base multiplier are no longer awarded. Source: IndusInd Bank, indusind.bank.in, read 28 Oct 2026
- IndusInd Bank sets Rs 149 fee on cash redemption, Apr 2025
From 1 Apr 2025 redeeming reward points as cash credit on the IndusMoments portal carries a fee of Rs 149 plus GST. The twid Pay With Rewards fee is Rs 10, Rs 15 or Rs 20 plus GST by redemption slab and Rs 50 plus GST for flights. Source: IndusInd Bank, indusind.bank.in, read 28 Oct 2026
- IndusInd Bank ends Legend lounge access, Mar 2025
Complimentary lounge access was discontinued on the Legend Credit Card from 7 Mar 2025. Source: IndusInd Bank, indusind.bank.in, read 28 Oct 2026
- IndusInd Bank ends InterMiles redemption on all cards, Jan 2025
Redemption of reward points towards InterMiles stopped on all IndusInd credit cards from 21 Jan 2025. Source: IndusInd Bank, indusind.bank.in, read 28 Oct 2026
- IndusInd Legend revises bonus points milestone, Dec 2024
From 15 Dec 2024 Legend earns 3,000 bonus reward points on spends of Rs 5,00,000 or above within one year of card issue. Low MCC spends (fuel, transport and tolls, utilities, insurance, education, telecom and government among them) do not count where the anniversary year completes after 15 Dec 2024. Source: IndusInd Bank, indusind.bank.in, read 28 Oct 2026
- IndusInd Bank changes Legend airport lounge list, Nov 2024
The list of airport lounges for Legend and Pinnacle changed from 15 Nov 2024. Source: IndusInd Bank, indusind.bank.in, read 28 Oct 2026
- IndusInd Legend caps monthly cash redemption of points, Sep 2024
From 1 Sep 2024 upper limits on cash redemption of reward points apply on various IndusInd cards. The linked reward points table lists a monthly cap of 5,000 points on Legend. Source: IndusInd Bank, indusind.bank.in, read 28 Oct 2026
- IndusInd Bank revises fuel surcharge waiver caps, May 2024
From 5 May 2024 the fuel surcharge waiver covers transactions from Rs 500 to Rs 3000. The cap per billing cycle is Rs 100 on Legend and Rs 250 on EazyDiner Signature. Source: IndusInd Bank, indusind.bank.in, read 28 Oct 2026
- IndusInd Bank revises reward points program, Mar 2024
IndusInd revised its reward points program with effect from 1 Mar 2024. The linked table on the bank site lists Legend at Rs 0.75 per point for non-cash redemption and Rs 0.50 per point for cash redemption. Source: IndusInd Bank, indusind.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining feeunverified | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Product page states no joining or annual fee amount and does not call the card lifetime free; it says welcome gifts apply only on select fee plans. Earlier reading: issuer listing labelled the card Lifetime Free, while the issuer MITC fee table prints Rs 5,000 joining and nil annual fee. Confirm the fee plan at application. |
Rewards
| Welcome benefit | Only on select fee plans: Montblanc, The Postcard Hotel, Vouchagram or Vouchagram Premium vouchers (values not on page) |
|---|---|
| Reward currency | Reward Points |
| Base earn | 1 RP per Rs 100 on weekdays (Mon-Fri); 2 RP per Rs 100 on weekends (Sat, Sun), by transaction date |
| Base returnunverified | 0.5% |
| Point valueunverified | 1 RP = Rs 0.50 cash credit (cut from Rs 0.75 on 1 Mar 2024); Rs 0.75 non-cash catalogue |
| Accelerated earn | 2 RP per Rs 100 on weekends |
| Capsunverified | Cash credit redemption max 5,000 RP per statement cycle; cash credit limited to 50% of points balance (from 25 Mar 2025) |
| Spends that earn nothing | No RP on fuel (from 1 Apr 2018). Medical, automobile and telecom spend earns 1 RP per Rs 100 on weekdays and weekends (from 1 Jan 2022). Utility bills, insurance premiums, government services and education fees earn 0.70 RP per Rs 100 (issuer notice effective 1 Aug 2019) |
| Points expiry | No expiry while the card account is live |
| Milestone benefits | 3,000 bonus RP on spends of Rs 5,00,000 or more within one year of card issue |
| Reward notes | base_return_pct = 1 RP per Rs 100 x Rs 0.50 cash credit on weekday spend; 1.0% on weekends. Redemption fee Rs 149 + GST cash, Rs 100 other. Fractional points discontinued Mar 2025. |
Transfers
| Partners | Singapore KrisFlyer, Air India Maharaja Club |
|---|---|
| Ratiounverified | Card Insider: 400 RP = 100 KrisFlyer miles (4:1), min 500 RP; Book1A lists Maharaja Club 4:1 but KrisFlyer 1:1. Sources conflict. |
Travel and perks
| Domestic lounge | None. Lounge access feature discontinued effective 7 Mar 2025 |
|---|---|
| International lounge | No complimentary visits. Lounge access discontinued effective 7 Mar 2025 (page still carries older Priority Pass copy); MITC: Priority Pass visits charged up to USD 35 |
| Lounge conditions | No complimentary visits (issuer page notice and MITC) |
| Forex markup | 1.8% |
| Fuel surcharge waiver | 1% waiver at any fuel station in India; MITC: 1% + GST fee on fuel spend above Rs 30,000/cycle |
| Other freebies | BookMyShow buy-one-get-one: one free ticket a month (from 1 Jun 2023; three before), free ticket capped at Rs 200, extra Rs 50 off F&B; concierge; Auto Assist roadside help in six metros; travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); Total Protect fraud cover up to the credit limit; Visa offers incl. Times Prime annual membership and MakeMyTrip (T&C) |
Charges and eligibility
| Interest per month | 3.95% |
|---|---|
| Late payment fee | By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 |
| Cash advance fee | 2.5% min Rs 300 |
| Fine-print notes | Issuer product page read as plain text on 2026-10-12; fields updated from it. Page gives no cash value per point, no redemption cap and no airline ratio, so point_value, reward_caps, transfer_ratio and base_return_pct still rest on aggregators. The page's savings illustration is stale (it assumes 450 points a month on Rs 30,000). Club Vistara redemption ended 31 Oct 2024, InterMiles 21 Jan 2025. Other issuer pages used: https://bank.indusind.com/pioneer/personal-banking/cards/pioneer-legacy-credit-card1.html (bank-wide Aug 2019 reduced-earn table). CONFLICTS (issuer page used; old value and source): reward_exclusions: old 'No RP on fuel, utilities, rent, education, government, insurance' (Card Insider); issuer text gives 0.70 RP per Rs 100 on utilities/insurance/government/education and no RP on fuel only | joining_fee: old 0 on the strength of an issuer 'Lifetime Free' label; product page text has no such label and no fee figure, MITC prints Rs 5,000. Earlier non-issuer data not found on the issuer page (unconfirmed): air accident cover Rs 25 lakh (Card Insider); fuel waiver range Rs 400-4,000. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other). |
Questions
- What is the annual fee of the IndusInd Legend Credit Card?
- No annual fee.
- Does the IndusInd Legend Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the IndusInd Legend Credit Card?
- 1.8% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the IndusInd Legend Credit Card?
- No RP on fuel (from 1 Apr 2018). Medical, automobile and telecom spend earns 1 RP per Rs 100 on weekdays and weekends (from 1 Jan 2022). Utility bills, insurance premiums, government services and education fees earn 0.70 RP per Rs 100 (issuer notice effective 1 Aug 2019)