SimplifyCards take:A good fit if you want a card built for lifetime free, shopping, and travel
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Best for international spendsBest for
A low 1.8% forex markup keeps overseas and forex transactions cheaper
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Avoid if you want pure cashbackWatch out
Simpler cashback cards exist if you'd rather not manage reward points
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Good fit if you want a card built for lifetime free, shopping, and travelBottom line
It combines a low 1.8% forex markup, milestone rewards, and no annual fee
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate |
|---|---|
| Utility, Insurance, Government, Education, Real Estate, And Rent Spends | 0.7 reward points per ₹100 |
| Base Spends (Weekdays) | 1 reward point per ₹100 |
| Base Spends (Weekends) | 2 reward points per ₹100 |
Redemption
Statement balanceupto ₹ 0.5 per point
Airmile transferupto 0.5 airmile per point
| Airline | Programme | Ratio |
|---|---|---|
| Singapore Airlines | KrisFlyer | 2:1 |
Important conditions
1
Milestone4,000 bonus reward points on annual spends of ₹6,00,000 or more
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
IndusInd credit card charges revised15 May 2026
- 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
Complimentary airport lounge access discontinued7 Mar 2025
- 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
Exclusions
Spending that does not earn reward points
- fuel
- cash advances
Compare before you decide
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