IndusInd BankGold

IndusInd Legend Credit Card

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Quick facts

IndusInd Legend Credit Card

Top reward2 RP/₹150

Annual feeLifetime Free

Min income₹20,000/mo

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🌱First Card / Entry

IndusInd Bank · Gold tier

IndusInd Legend Credit Card

Points that stick

Reward points with no expiry.

Key Benefits

💳

Lifetime free

🎁

Partner offers

⛽

Reward points never expire

Annual fee

Free

Top rate

2 RP/₹150

Min income

₹20,000/mo

Eff. return

0.27%

Realistic net value (moderate user): ₹1,290/year

After ₹0 fee & ₹630 forex. Based on ₹40,000/mo spend.

12,400 users matched · Verified 2026-06-12

We earn commission if approved — at no cost to you. Zero sales calls.

Our transparency promise

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹1,920

Before fees & forex

Costs / year

₹630

Fee ₹0 + forex ₹630

Net value / year

₹1,290

0.27% effective return on spend

Category-wise breakdown

All other eligible spends

Spend ₹40,000/mo · 2 pts per ₹150 spend

₹1,920/year

₹160/mo

533 pts × ₹0.30 = ₹160/mo533 pts/mo @ ₹0.30/pt

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Points → INR Conversion Guide

Marketing says "10X points" — here's what that actually means in your pocket.

all — 2 pts per ₹150 spend

You spend

₹10,000

→

You earn

133 pts

Worth ≈

₹40

@ ₹0.30/point

Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.30/pt in calculations.

🌱First Card / Entry

Low income threshold, easy approval

Reward Structure

Source: IndusInd Legend T&Cs

All spends

Points never expire

2 RP/₹150

Excluded categories (no rewards)

EMIFuelRent

Best for

→ Points never expire
→ Lifetime free
→ ₹20K+ income

Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Lifetime free card

₹0

Annual / renewal fee

No renewal fee ever

₹0

Forex markup

3.5% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹1,920

Annual fee− ₹0

Forex cost− ₹630

Net annual value₹1,290

Eligibility Snapshot

Public criteria from IndusInd Legend T&Cs. Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹20,000/mo

Min income (self-employed)₹4,80,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierGold — mid-tier mass premium

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with IndusInd Legend Credit Card?+

At moderate spend (₹40,000/mo), gross rewards are about ₹1,920/year. After the ₹0 annual fee, net value is approximately ₹1,290/year. Use the calculator above to model your own spends.

What is the minimum income for IndusInd Legend Credit Card?+

₹20,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Fuel, Rent.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.