Credit Card Compare

Legend Credit Card

Data last updated 23 October 2026
47.40%
Purchase rate
₹5,000
Annual fee
3,000
Bonus points
Application

CardIQ

78Strong

Strong

Overall score, out of 100 · How this works

  • Airport lounge86
  • Rewards85
  • Sign-up bonus61
  • Travel81

Customer reviews

No reviews yet. Be the first to review the Legend Credit Card.

Pros & cons

What's good

  • 3,000 bonus points to start, worth around ₹750 at our ₹0.25-per-point valuation.
  • Complimentary airport lounge access.
  • Earns 2 points per ₹1 on weekend spends.
  • No fee to add an additional cardholder.

Worth noting

  • Joining fee ₹5,000; Annual fee NIL from year 2. No spend-based waiver condition stated for Legend. Tax (GST) not included in stated fees — GST applicable at standard rates. Welcome gifts available at select fee points only. The ₹5,000 annual fee is still toward the top of the market (the median is ₹750).
  • The 47.4% p.a. purchase rate sits in the most expensive quarter of cards (the median is 45% p.a.) if you carry a balance.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Signature
Card type
Visa
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
IndusInd Bank Reward Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
Not published
Minimum income
Not specified
Residency
India
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
47.40% p.a.
Purchases
47.40% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹5,000 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
1.8%
Late payment fee
₹1,300
Over limit fee
₹500

Repayments

Interest-free period
Not published
Minimum repayment
Minimum Amount Due is calculated as 2% of Total Amount Due or such other amount as may be determined by IndusInd Bank at its sole discretion.

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
None
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
All reward points earned on Legend Credit Card are live till the credit card account is live.

Sign-up bonus

Bonus spend required
—
Sign-up bonus
3,000 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual fee₹0Tied for best (1st of 49 cards)
Overseas fee1.80%Top 10% (4th of 49 cards)
Sign-up bonus₹750Not as good as most cards (15th of 22 cards)
Purchase rate47.40%Not as good as most cards (39th of 49 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
How CardIQ scores cards
Issuer
IndusInd Bank