SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for lifetime free, shopping, and travel.
Why it can work
It combines a low 1.8% forex markup, milestone rewards, and no annual fee.
Where value may drop
Fuel don't earn rewards.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Reward Points/yr |
|---|---|---|
| Utility bills | Rs 3,000 | 126 |
| Other spends | Rs 8,000 | 480 |
| Rent | Rs 5,000 | 210 |
| Insurance | Rs 2,000 | 84 |
| Education | Rs 3,000 | 126 |
| Tax / Government payments | Rs 2,000 | 84 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for international spends
A low 1.8% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns reward points you can put toward flights, hotels, or transfer partners.
Best as a no-fee everyday card
Lifetime-free, so there's no annual fee to recover before it adds value.
Avoid if you want pure cashback
Simpler cashback cards exist if you'd rather not manage reward points.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| Utility, insurance, government, education, real estate, and rent spends | 0.7 reward points per Rs 100 |
| Base spends (Weekdays) | 1 reward point per Rs 100 |
| Base spends (Weekends) | 2 reward points per Rs 100 |
Redemption
| Airline | Programme | Ratio |
|---|---|---|
| Singapore Airlines | KrisFlyer | 2:1 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
Exclusions
Categories that earn no rewards on this card.
- fuel
- cash advances
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- 1 complimentary golf game and 1 complimentary golf lesson per quarter
- 1% fuel surcharge waiver at all fuel stations in India
Latest updates
Recent changes to this card.
- Effective 15 June 2026, IndusInd Bank has revised credit card charges.
- Late payment fees now range up to ₹1,300 depending on outstanding balance.
- Additionally, a 1% fee (plus GST) applies to Dynamic Currency Conversion (DCC) transactions, cumulative fuel transactions exceeding ₹30,000, and utility/transport payments exceeding ₹40,000 in a statement cycle.
- Effective 7 March 2025, IndusInd Bank discontinued all complimentary domestic and international airport lounge access benefits for the Legend credit card.
Eligibility
Check this before you apply.
Salaried
- Eligibility is subject to IndusInd Bank approval criteria
Self-employed
- Eligibility is subject to IndusInd Bank approval criteria
Compare before you decide
Alternatives based on what you might want instead.
IndusInd Bank Tiger Credit Card
Best for travel, lounge, golf.
IndusInd Bank Platinum Aura Edge Credit Card
Best for lifetime free, custom reward plans, grocery.
PIONEER Legacy Credit Card
Best for premium, travel, lounge.