One Credit Card
Rs 0Annual fee
0Domestic lounge
1%Forex markup
Best for
Lifetime Free, Metal Card, Low Forex, App Control
Top rewards
Top 2 Spend Categories Of The Month (5X Multiplier): 5 OneReward Points / ₹50 spent; All Other Retail Spends: 1 OneReward Point / ₹50 spent
Legend Credit Card
Rs 0Annual fee
0Domestic lounge
Domestic lounge conditions
- Complimentary airport lounge access discontinued effective March 7, 2025.
1.8%Forex markup
Best for
Lifetime Free, Weekend Rewards, Shopping, Travel, Golf
Top rewards
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
| Feature | One Credit Card | Legend Credit Card |
|---|---|---|
| Issuer | OneCard Partner Banks | IndusInd Bank |
| Network | Visa, Mastercard, RuPay | Visa |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | OneRewards | Reward Points |
| Best for | Lifetime Free, Metal Card, Low Forex, App Control | Lifetime Free, Weekend Rewards, Shopping, Travel, Golf |
| Top reward categories | Top 2 Spend Categories Of The Month (5X Multiplier): 5 OneReward Points / ₹50 spent; All Other Retail Spends: 1 OneReward Point / ₹50 spent | 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 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 1% | 1.8% |
| Milestone benefits | Not Listed | 4,000 bonus reward points on annual spends of ₹6,00,000 or more |
| Redemption | Statement credit: upto ₹ 0.1 per point | Statement credit: upto ₹ 0.5 per point |
| Key exclusions | Fuel transactions, Rent payments, Cash advance transactions, Wallet loading transactions, Money transfer transactions | fuel, cash advances |