New: Indusind Bank Signature Legend Credit Card Review

By | October 19, 2018

Indusind Bank has recently launched a new credit card to their portfolio under Visa Signature variant and called it as Legend Credit card, in some places they also mentioned it as Signature Legend credit card. This appears to be positioned anywhere between Pinnacle credit card and Signature credit card variants but is infact better than Pinnacle credit card if used with a strategy as mentioned below.

Its a Paywave/Contactless Card and it seems the card number is not embossed on top of the card, that’s what their image says atleast, as below,

Indusind Bank Signature Legend Credit Card

  • Joining Fee: Rs.10,000+GST (no vouchers (or) Rs.25,000+GST with Vouchers

Indusind is not transparent when it comes to joining fee, but i came to know that this card is available for Rs.10k or Rs.25k and you get equivalent shopping vouchers. You may loose what you pay as taxes though. They seems to be issuing below vouchers now,

  • 10K Pantaloons voucher
  • 10K UCB voucher
  • 10K Woodland voucher
  • 10K voucher
  • 10K Hidesign voucher

Good to see new set of brands with indusind these days. Yatra voucher is best fit for those who fly often, else, Pantaloons/UCB/Woodland gives good value for money as well.

Note: They no longer issue vouchers on 10k Variant.

Indusind Bank Legend Credit Card Reward points:

  • Weekdays: 1RP/Rs.100 (1% value)
  • Weekends: 2RP/Rs.100 (2% value)
  • 1 RP = Rs.1
  • 4000 bonus reward points on spends above 6 lacs from the card issue date. The bonus points will be credited post completion of 1 year.

So if you can spend 6 Lakhs in a year, all on weekends, this is what you get: Rs.16,000 as cash credit (Rs.12,000 Regular points + Rs.4,000 Bonus Points)

That’s about ~2.6% Reward rate which is almost equal to Pinnacle credit card that’s issued @ a whooping Rs.50,000 Joining fee. So if you can spend with the above strategy, you no longer need the Pinnacle card. Simply get the Legend card 🙂

Airport Lounge Access:

Though they’ve mentioned “You can also enjoy free visits in a year to international Lounges located within India and abroad.” in their website, there is no proper info on that. In meantime, they’ve recently added free Priority pass visits to Pinnacle card.

Foreign Currency Mark-up Fee:

Enjoy a partial wavier on Foreign Currency Mark-up on your Foreign Currency Transactions till 31st Dec 2017.

  • Foreign currency mark up will be charged at 1.8%
  • Discounted Foreign Currency Mark-up is applicable for transactions done till 31st Dec 2017
  • The foreign currency markup will be charged at 3.5% and the differential amount will be credited end of calendar month on the cardholders card account.

That’s a nice move on Forex Markup fees, this feature makes this card to the list of best credit cards for international use.

Other Benefits: Golf Access, Roadside Repair Service, Concierge service

Features of Indusind Signature Legend Credit Card:

  • CardExpert Rating: 4/5 [yasr_overall_rating]
  • Reward rate: 1% to Upto 2.7%
  • Complementary Airport lounge access: Yes, at Visa Signature Lounges (2 free access/quarter)
  • Foreign Exchange Markup fee: 1.8%+Tax until Dec 2017 (3.5%+tax after that)
  • Fuel Surcharge Waiver: Enjoy 0% surcharge (Transactions between INR 400/- to INR 4000/-)

With a decent reward rate and a nice spend based bonus, Indusind Bank Signature Legend Credit Card is a pretty nice offering with the kind of joining fee they have. However, you need to spend only on weekeneds to get the maximum value back, which makes it little bit tricky.

What’s our take on the new Indusind Bank Signature Legend Credit Card? Share your thoughts in comments below.

142 thoughts on “New: Indusind Bank Signature Legend Credit Card Review

  1. balaji

    For me, it seems Iconia is better than this in terms of joining fee and reward rate. What is your say Sid?

    1. Siddharth Post author

      It is indeed.
      But if there is a reasonable upcoming spend on these voucher brands, its good to go on this as well, mainly for low markup fee.

      1. Darshdeep Singh Grewal

        I am getting this for 15000+GST with vouchers of 15000 of Amazon. Shall I go for it?

        1. Siddharth Post author

          For most, Pinnacle is better than this. You’ve to decide based on your usage.

  2. Jay

    Bank guys called asking me to upgrade to this card even though I upgraded to Iconia Amex just last month. They offered me to convert my existing 5k points on Iconia Amex as a joining fee for this Signature Legend Card. Plainly refused!!!

    1. Siddharth Post author

      Nice, Whats the special feature you’re enjoying with Iconia?

      1. Jay

        Iconia has better rewards compared to this however only ripe is AMEX is not accepted like VISA everywhere and doesn’t accept AMEX cards issued by other banks

        1. Unlimited Lounge Access for Both Primary and Addon Card Holders
        2. Separate Business Card Addon for your Business
        3. Reward Points of 2% for spends on weekends
        4. Low joining fee compared to this new Signature Legend card.

        1. Anil

          You can always load prepaid cards by Amex & then use on Amazon
          Load Oxigen wallet, generate VCC & use on Amazon

          1. Ram

            One additional benefit in Legend is 4000 bonus points for 6 lakhs+ spend every year which makes up for one time fees and also .5% you get extra for Iconia

  3. Ramanathan Srinivasan

    Got a call , they offered to upgrade my platinum to legend for 7500+ tax and no voucher . They said 10k scheme is not there only 25k with jet voucher . Also, lounge access is only domestic and not for international. The 4000 reward point for 6 lakhs is applicable every year and not one time. Seriously thinking of upgrading instead of signature card which is 10k without vouchers

    1. Siddharth Post author

      Yes it seems 10k introductory offer expired last month. Instead spending here, you can also get Yes Preferred card/Regalia for free.

      1. Ram

        Hi Sid,
        My average spend is around 20 lakhs a year as I use it for business purpose too. I like using rewards to pay back card balance then storing miles etc. Does Yes Bank or Regalia offer better cash back reward than this?

        1. Siddharth Post author

          Checkout the super premium cards article 🙂

        2. Pradeep

          Spending more than 2 lakhs..on Credit cards would initiate AIR Na how come u use for business can u please explain…how u handle IT guys …curious to get answer from u…

  4. Manikandan

    Cash Advance fee is zero. For international travellers this will be very good. No need of forex card. You will be paying 1.8% extra above the spot rate.

    1. Siddharth Post author

      But Finance charges applicable on cash withdrawal.

  5. Ram

    The legend card is now available either at 9999 + ST or 25K with Jet Airways voucher, all other offers removed. Though I had opted for 7500, they are now asking me to pay 10K+ ST, seriously thinking of closing indusind and moving out

  6. AS

    Hi Sid,
    I had a question about Indusind credit card. I got a call from their sales guys and he offered me a LTF card for Indusind Platinum credit card. He sent me a brochure and the card looked good.
    Do you have any knowledge about this card? I combed through the website, but I did not find a review. Very little is available elsewhere too.
    Due to the bad reputation of IndusInd, I’m hesitating about it.
    Do let me know!

    1. Siddharth Post author

      Its a basic card. Will review it shortly.

    2. Mohamed Moin

      Hi I use the Platinum Aura Card. Features are limited. But since it’s a life time fee card you can go ahead with it. Even better go for HSBC Credit Card. Besides being free they have a lot to offer.

  7. himanshu garg

    I want to know, if the existing credit cards scheme once taken can be abolished by the bank anytime or tthis will continue for lifetime
    i am considering to buy signature legend card but they are asking for 24k to join i as lifetime fees
    shall i join

  8. Prabhakar Agarwal

    I have a indusind legend card and I m using it for business purposes, I heard it from somewhere that’s its not good to use it for business purposes as Income Tax Department can ask questions, is it so?

    1. Siddharth Post author

      Ofcourse! Will explain more in detail in a separate article.

      1. abhishek Indore

        Hi Sid. Please explain consequences related to Income Tax Department because of High Usage of Credit Card. Thanks.

        1. Siddharth Post author

          Long time pending one. Will do shortly. Thanks for reminding.

  9. Arjun Mahajan

    Just applied for the Legend card today. IndusInd is running a promotional offer where all new cards and existing IndusInd credit cards (lower variant) can be upgraded to the Signature Legend at Rs 6,999 + taxes (18%) as a one time joining fee. No welcome benefits provided though.
    Joining fee with welcome benefits remains same at 25k + taxes (18%).

    Got it from the home branch directly. Was not able to check if it works for the online application as well.

    1. Siddharth Post author

      7k+GST is too much for this card!
      Any particular reason you opted for this?

  10. Arjun Mahajan

    1. The cash credit is quite rewarding in the current landscape after various devaluations from other banks. Effectively a little over 2.5% if done on weekends and achieving 6L spends a year.
    2. Plan to split the overall expenses between the cards I hold currently i.e. YesFirst preferred, Amex Gold & Platinum and the applied Legend.
    3. Cash credit on Fuel spends as well along with a Fuel surcharge waiver. Handy for the heavy fuel consumptions I have in a month.
    4. I use the golf benefits regularly given by the Mastercard powered YesFirst preferred. Plan on using the golf benefits given by the Visa powered Legend for a few other golf courses not covered under Mastercard occasionally.
    5. BOGO tickets on Bookmyshow (3+3 in a month) is a handy feature to take the family/friends out for a Movie.
    6. Support from Indus Exclusive customer support is prompt and apt if ever needed. Not as courteous as the Amex people but they get the job done. Also, the physical bank is walking distance from my place of work, if any support is ever needed.
    7. Entry to Visa Signature with the hope to upgrade to Visa Infinite in the future.

    1. Joining fee is indeed extremely high. Convinced myself to get it cause of the cash credit I had generated over the last one year from Indus Exclusive Platinum Debit card.
    2. The online/offline tie-ups for cashbacks and rewards are less in comparison to other banks. Hopefully, they get aggressive soon with it in future.
    3. Their lounge program is a mere formality. But the YesFirst preferred & Amex Platinum are there to balance it out for both Domestic/Internation lounges.

    Will be able to share a better review after having used the Legend card.

    1. Siddharth Post author

      I get it. But it seems they’re removing cash credit option on credit cards. They’ve already removed for debit cards from August 2017.

      1. Imran

        Can you please give me suggestions
        Indusind bank is offering me to upgrade from my aura platinum to legend card with 10000 joining is it a good idea to upgrade or should i stick with aura platinum
        If i should upgrade why?

  11. jitendra saraogi

    i am having indusind platinum select card with Rs.3 lacs limit since 2013.
    which indusind card should i try for upgrade.
    please suggest.

  12. Anish

    Is there an annual fee apart from the joining fees? The executive told me there is only joining fee and no annual fees, is that true?

  13. Ashish Nikhare

    Upgraded from Indusind Iconia AMEX to Indusind Legend. Will receive the same within 8 days. Got almost Rs. 14000 /- last year with Iconia Amex 2% weekend rewards, a real gem of a card. However fed up of the non acceptence of AMEX at POS in Nagpur, Petrol stations, Amazon, Snapdeal sale etc. Upgrading to Legend with heaps of benefits for me. Though joining a bit higher (10 K + GST without gifts), but worth the benefits. Advantages over Iconia AMEX – Weekend 2 % rewards (same as Iconia AMEX), 3 free tickets in a month on BMS with additional 50 Rs. off on F&B option (current offer – max 300 off on thu, fri, sat & sun), Foreign currency markup 1.8% till mar 2018 (I Travel atleast once a year international), No ATM cash withdrawl fees for lifetime ( great in emergencies), Fuel waiver 1% with reward points applied (Iconia AMEX not accepted at Fuel stations even not on HPCL in Nagpur), Contactless card, 2 RP at weekends, 1 RP at Weekdays, 1RP = 1 Rs., Bonus 4000 RP on crossing 6 lakhs spends in 1 year. I think i did the right thing upgrading to Legend. Comments are invited !

    1. Siddharth Post author

      I don’t think is a right choice as you need to spend a LOT to get the value back. You could’ve instead used some other visa/mc as backup card like SBI prime or Yes First preferred.

      Its anyways fine if you get value back through BMS.

  14. Vikram

    Seems like the number is not engraved on the card. How do you make online purchases then?

  15. Ashish Nikhare

    Discounted Foreign Currency Markup fees of 1.8% extended till 31 Dec 2018.

  16. Ashish Nikhare

    I got my account upgraded to Indusind SELECT Savings account on basis of having a Legend Credit Card. Also, no need to maintain an Average Quarterly Balance (ie. a Zero balance account). They do this if you are holding the following credit cards – Legend, Signature, Odyssey Credit Card.

    Select account is one step below Exclusive account. Some features are – Enhanced Insurance, Emergency Card replacement & cash disbursement International, Free Platinum Select Debit Card, Free ATM withdrawal Domestic + International, Fuel surcharge 1% waiver, 6X Rewards structure, 1% Markup fee, 365 days banking. On holidays also, Concierge, Doorstep Banking, Cashback credit 1RP=50paise or 2RP=1JPmile

  17. kiran

    I have HDFC Diners Black card and SC titanium super value.

    I am looking forward to have one more premium card but on visa/MasterCard to balance my diners.

    I am not sure which card should i go for. Please can someone advise.

    P.s Yes bank has rejected my application for yes preferred credit card, which i am negotiating with them. Hope, they will re consider.

    1. Points Guy India

      You can simply ask SC to upgrade your SC titanium cuper value to Ultimate, It has exact ly same reward rate of 3.3% and better redemption options.

  18. Satish Kumar Agarwal

    Dear Sid

    Indusind cc team is offering this Legend or their Signature credit card on 10K joining fee+ gst, with equivalent vouchers as mentioned in the above post. Is it worth to accept the offer considering I am new to Indusind with no relation so far.

    Or can I get better offers if I wait little more.

  19. Ashish Nikhare

    Hello Siddharth ! Card limit on my existing Indusind Legend Credit Card has increased to 7.1 Lacs. Can this limit help me achieve the following things :-
    1. Upgrade to Diners Black from existing Clubmiles.
    2. Acquire new SC Ultimate Card.
    3. Acquire new YF Exclusive Card.

  20. Ashish Nikhare

    Indusind Credit Cards are running a month long festival named “The Rewardz Festival” starting 10th October to 10th November. However, one must register to receive the offer. I recieved such an sms stating the communication. Those who haven’t received the sms may simply type JOIN and send it to 5676757. You will be enrolled and be given a registration reference number. And, await the offers starting 10th October. Offers are not yet disclosed, only T&Cs are disclosed.

  21. Ankur Pathak

    Hi Siddharth,
    Can you connect me with person who gave you this card for 10K + Tax along with vouchers.
    They are telling me its not availabe at above deal and telling me to connect with the person
    who got it.. And we will do if free for you. Now they are asking 25K + Tax along with vouchers
    or 10K + Tax without vouchers.

    1. Siddharth Post author

      They’re correct. No vouchers on 10K variant for now.

  22. Poornith Ninan

    I just got a call where the Legend Card was offered for ₹9999/- as an one time fee wherein I would receive
    ₹5000/- Flipkart Voucher plus
    ₹10000/- Voucher redeemable at either Tanishq/GRT or Joy Alukas Jewellers.

    The executive also mentioned that the joining fees would be reversed within 3 months from the date of joining provided I spend minimum of ₹300-400. Based on my Diners Club Miles card, they promised a credit limit up to ₹7,50,000/-
    The offer seems to good to be true. How can I verify the authenticity of these claims since all the information is shared over call and I don’t have it in writing. Thoughts ?

    1. Sharathkumar Anbu

      I don’t think such offer would be legit. First of all no bank will give welcome gift more than what you pay. You pay 10K and getting 15K welcome vouchers doesn’t sound legit to me.

      I have IndusInd credit card too, they won’t reverse the joining fee AFAIK. How the bank will get benefit if they give you welcome benefit as well as reverse the joining fee?

      Could be a fraudulent attempt to gather your personal information.

    2. Amann

      All calls are recorded and can be relied upon. Also you may try to get the same on email/ in writing but I’m quite sure that won’t happen.

      Just be sure to ask for T&Cs during the call and that there no surprises.

  23. zubin

    Hi sir.

    I have a legend card and i wann to know if we use in a city like dubai so what will be the extra charge and can i be applicable to get reward point.

  24. Maulik Soni

    How Much Credit Limit Required To Get Legend Credit Card, Card On Card Basis…I’m Having SBI Signature Elite With 3L Limit, Is It Enough..?

    1. Akarsh

      Maulik, just curious, why do you want to go for Legend if you already have SBI Elite? I also hold SBI Elite and for a spend of ~6L per annum I think Elite provides better value. Yes, if the 2 free movie tickets you get every month in Elite is getting wasted, then probably switching to Legend might make sense. If I am missing something please let me know and I’ll also consider switching to Legend. Thanks 🙂

  25. abhishek Indore

    Yes It is perfectly enough for that. You will probably get limit of Rs.3,30,000/- in Indusind Bank Credit Card . But there are many other factors also to decide it. If all goes well, you will get 110% limit of current credit card. The approval rate of Indusind Bank Credit Card is also very high. So you can go ahead.

  26. Gagandeep Singh

    I applied for this credit card and for me it has been great for cashback. The cap on cash back is Rs 10,000 per month but the excess can be carried forward to next month. For me, it has been great for electricity bills (running into lakhs for me routed through Paytm) and have 2 percent cash back. On new application i got 3 options –
    1. 9999 plus tax for no benefit
    2. 25000 plus tax for 25k worth of vouchers (Oberoi/Yatra)
    3. 50000 plus tax for 50k worth of vouchers( Oberoi 2 nights)
    Also, one of the best features of this card that you have missed is advance payment to card to dynamically increase your credit limit and pay higher amounts with no over limit charges.
    Also, I like that the 1.8 percent foreign currency markup has been extended till 2020.
    While I also have the ICICI Amazon pay CC which also earns me 2 percent cash back on electricity bills (through amazon pay) and has no weekend condition with no cap which i feel is better for cash back. The biggest difference is that –
    1. No overlimit charges on Indusind card with dynamic credit limit with advance payment
    2. The cashback is on amazon pay ( which I don’t mind at all) it is as good as cash.
    3. The Amazon Pay CC is without joining fees.

  27. Akarsh

    Hi All, they are offering me this card for 10k joining fees along with vouchers. I’m currently holding SBI ELITE and annual spends are around 6L on that. I also hold few other cards like Icici Amazon, Yes Prosperity Edge etc. Will this be a good replacement for ELITE as there won’t be any annual/renewal charges on this? . I usually go for movies once a month so ELITE has been serving me well in that respect. Also my spends are mostly on weekends so Legend seems like a good option. Sid and others please do share your thoughts. Thank you.

    1. Shirish

      Hi Akarsh,
      I also got the call with same offer. 10k one-time fee, no fee for life time , also 10k vouchers. But I had not wet confirm the sales team.

      So do you got your new card. Is the limit increase. Please share your experience, so I can think.

  28. Shivi

    Legend credit card offered LTF Via website. Applied, approved and card dispatched same day! Awaiting delivery. No idea what triggered the offer. Maybe their system spiked.

    1. Ramesh Kumar

      Great, which website indusind or some other third party website?

        1. Ramesh Kumar

          I enquired about this to IndusInd CC sales person, he confirmed it’s being issued for selective IndusInd saving account holders.

          1. Shivi

            Oh the irony! I was running after their Iconia AmEx for over 1 year after opening an account with them and they refused it even with full fee option and here we are now; Legend for LTF! I’ll keep it just for the heck of it!

      1. Shivi

        There is no link. It’s when you log into their internet banking the pre-approved LTF offer shows up

  29. Sunil

    I am not able to see an option to apply via their website, can you send me the link

  30. Shivi

    Card arrived. Credit limit given 2 lakhs. No documents asked for; not even a verification call.


  31. Arun

    Applying through Bankbazaar showed this card as LTF for me. Haven’t applied though. Received a call with credit score and list of offerings. Had this one and few others.

    1. ankit verma

      I checked with bank Bazaar and it isn’t being issues ltf to.anyone.

      1. SaurabhN

        Just got upgraded to Legend card and is issued as LTF to me. Though it’s a secondary card in my list but any LTF upgrade is welcomed. I only use IndusInd cards when some offer is running.

    1. Shivi

      @ Jambui
      ~ Indus Exclusive variant.
      ~ Avg balance less than Rs.500/month since the past 1 year.
      ~ I was the initial account holder though, currently, I am not the main account holder.

      On a side note – There was a CIBIL enquiry AFTER card approval.

  32. Kanuj G.

    Hi Sid,
    Indusind has such bad service. At the time of applying for Indusind Legend, I was promised Oberio vouchers against the joining fee of 25k + taxes.
    Later I was simply denied the Oberio vouchers & only given the option of only vouchagram. The reason for this was their executive didn’t tick the right boxes.
    Now after 5 months I get a message that my card has been cancelled because of internal review & moreover the bank is unable to assign any reason for it.
    I’m already using other premium cards from other banks but what a pathetic service.
    Kanuj G.

    1. Siddharth Post author

      Internal review? interesting! Did any bitcoin purchase or something like that?

    2. Shivi

      Did you use your card on any B*tcoin/ p*rn/ g*mbling/c*sino related activities?

  33. Shivi

    For those holding this Legend variant or any other IndusInd card – Kindly explain what the following points mean ~ taken as it is from cardholders agreement & MITC:

    – “When the Card is cancelled, or the Card Account is closed at the request of the Cardholder, it is the cardholders responsibility to destroy the card and linked cards. Subject to the foregoing provisions, the obligations arising out of these terms and conditions of Cardholder will not hold the Bank liable in case of improper/fraudulent/ unauthorised/ duplicate/ erroneous use of the Card and/or the PIN, through the Card falling in the hands of any third party or through the PIN coming to the knowledge of any third party”.

    – “The Card and the Card Number are valid from the first day of the ‘Valid From’ date on the Card, as the case may
    instructions. be, until it expires or until the facility is cancelled or until the Card Account is closed for whatever reason. If the Bank processes a Card Transaction after the Card and/or Card Number has expired or the facility has been cancelled, it does not mean that the Bank has extended the validity term of the Card and/or the Card Number”.

    – “Such termination shall also be deemed a termination of all facilities accorded by the Bank to a Cardholder. In the event charges are incurred on the Card after the closure of card account & after the Cardholder claims to have destroyed the Card, the Cardholder shall be entirely liable for the charges incurred on the Card whether or not the same are the result of misuse and whether or not”

    I sure hope it does not mean what I think it means! Another “WTF?” moment!

    1. Praveen Katiyar

      @ Shivi
      It means that,
      1) if you close the account i.e cancel the card, it’s still your liability that no transaction is done, as they assume you ‘only’ were party to the card no./cvv etc hence you have not shared this with others and obviously destroyed the card.

      2) If the card company processes the trxn even after your closing/expiry the account, that does not mean that they have extended the card facilities/expiry date.

      I hope I am making some sense.

      1. Shivi

        You are making perfect sense Parveen, but i already understood that. Let me put my query in a simplified manner:

        Does it mean that IndusInd can & maybe will process a charge on a blocked/cancelled/closed credit card account and hold us liable to pay for the charges?!?!

        I have never ever heard of this clause in other bank’s cards’ TnC! Food for thought.

  34. Farhana banu

    Hi I was getting continues back to back calls on upgrading my card to legend with joining fee of 10k and apart from that the rewards they are offering are said example I have 1 lakh limit and I use it then make payment and use for second time they dont benefit with reward points only on the 1st open limit they will benefit us with reward points then what’s the point of upgrading to high level card if any one hold this card please explain are u facing the same

  35. Arnab Chaudhuri

    I just minted 4kINR by spending 2 lakh INR on sat and sun. Best part they don’t even charge redemption fee for cash credit. Best part, even in this lockdown, 24×7 customer care works. I called them at 3am morning. Unlike HDFC and ICICI my call got through in one go. So far loving this card.

  36. Ashish Gupta

    Is anybody really using golf lessons on indusind legend card. If anyone even tried, Can you share what will be charges I have to pay other than green fee which is complimentary ?

  37. karun

    GOT THIS CARD LIFE TIME FREE AND JOINING FEE WAS NIL. What is the special about this card.. already have diners black and standard chartered ultimate they are pretty giving good rewards.

      1. DIPAK KUMAR

        i also got LTF legend card, just got a call and received the email and sms with application no. and it says approved and you will get your card in 2 days in indus mobile app. and agent informed me that it will be diapatched via bluedart in 3 days . i got 2 lac limit. i have indus upstox 3 in 1 zero balance account. i have never used my card after i received the card , i generated atm pin using indus mobile app and kept the card . i dont know how i got the offer . i just used my account to transfer funds to upstox account .

    1. SaurabhN

      For me also my existing Platinum card was converted to Legend card and thats to LTF. Though I only use this card on rare basis as my primary cards are HFDC Infinia, Amax Plat Travel and SBI Prime cards.

    1. Mahesh S. Panicker

      Are you sure? The email offer I received yesterday, says 1 RP equals Rs. 1. IndusInd seems to have devalued point rates for certain cards, but the legend card section still is saying 1-1.

      1. Rishabh

        On the website when you click on Redeem Rewards option, it says for Cash Credit 1RP = 0.75

  38. Mahesh S. Panicker

    Hi Siddharth,
    I have just received an email offer to upgrade to IndusInd Legend card from IndusInd Platinum. The Platinum card is LTF for me as I got the joining fee waved off with spend of 25000 in the first 60 days. The mail is not saying anything about joining fees. The rewards are certainly better. Have come across comments suggesting the upgrade is offered as LTF. In that case, I feel it good to go for it, what do you think of opting for an upgrade with a joining fee? I have HDFC Millennia and Flipkart Axis that offer lounge access, and Amazon Pay ICICI and SBI Simplyclik giving decent, rewards.


      Yup , i got LTF legend card with 2 lac pre approved limit with indus stox 3 in 1 zero balance account , and account is just opened online during lockdown in july 2020 with video kyc and i never visited the branch till now.

    2. Siddharth Post author

      But seems its only for pre-approved accounts. Isn’t it so?

      1. Shivi

        Yes; it’s under pre-approved offers via the ‘Easy Credit” link on their site. You can also get pre-approved loan there.

        Offer popped up for new Exclusive account within 8 months of account opening.


    I find this bank is run by frauds. Initially IndusInd Bank local Manager called on my residence and made tall claims regarding Legend Visa Credit card issued by IndusInd bank. Got some papers signed hurriedly and when I wanted to see what the papers are, he said nothing to worry about , copy of all the papers would be made available. But nothing happened. I believed that man because , I understand an organization can not be run with frauds. Then came the surprise, said I have to cough up 50K plus GST in lieu of a trip to their predefined destination. OK…agreed. They sent two coupons validity till May ’20. Due to lockdown I requested to extend the time. They extended it till November 20. Since senior citizens are advised by the government machineries, not to travel for fun, I requested to extend time further till government declares normalcy or refund the money. They did not agree to it. Further I wrote them to send copies of all the documents on which I put my signature. They did not answer. I wrote to their Area Head, Regional Head, Country Head. Even then there is no response. As such I believe this bank is run by a bunch frauds.

  40. Praveen Katiyar

    Received my Legend Credit Card today. When the Indusind team called me for upgrade, they assured that no joining fee/annual fee will be charged for my upgrade from Plat. Aura to Legend.
    If I wanna confirm again and for my record, how to ask this No Joining fee/Annual Fee fact, how to do that ?
    I have read here, that few people have got Legend LTF.

    1. Vivek Agrawal

      Hi i got the same offer on call today. They told they’ll upgrade my platinum aura to legend for ltf free. I just have to spenf 10,000 rupees in my existing card. Plz tell me have you gotten ypur upgraded card and is it ltf? And do you also need to spend 10k?

      1. Praveen Katiyar

        No spend based condition.
        Got mine, and I believe it’s LTF.
        Haven’t been charged fee yet in last one month.

  41. Devesh Sharma

    Got Legend Visa card LTF via the Paisabazaar platform. Initially, IndusInd guys messed up and sent over Aura Edge. After calling them they acknowledged the same and are sending the Legend variant. Doubly cross checked with the phone banking officer that it is indeed issued LTF (0 joining fees, 0 annual fees).

  42. nandha kumar

    Upgraded aura edge credit card to legend credit card today…card is not received still but card details show in application..
    10k joining fee with 8k voucher…


    I already have Indusind Platinum Master Credit card LTF. Few days ago in Paisa Bazaar website I saw I was eligible for Pinnacle and Legend both LTF ,NO JOINING FEES.
    I applied but when I received the call from PAISABAZAAR team. They informed me I can not apply Pinnacle or legend as I already have IndusInd credit card.
    Is it true that we can have only 1 card with IndusInd?

    1. Gagan

      Yes – one can have only 1 card from IndusInd Bank – via documents.

      The other card can be issued basis FD or so.

      Source: Chat with Customer Care

  44. Ramesh Kumar

    No, customer can hold two credit cards with Indusind bank.

  45. Dhruv Chandhok

    I got a call from the bank saying they wold upgrade my existing Aura card to Legend card without any joining or annual fees if I spend 10000/- on my existing card . I asked them to give that in mail from official id. Got the following :

    “Dear Sir,

    Greetings from IndusInd Bank!!

    Thank you for showing interest for upgradation of IndusInd bank Legend signature credit card.

    As discussed with our executive , We are upgrading IndusInd bank Legend signature lifetime free credit card without any joining and annual fees on the condition basis spend greater than above Rs.10000/- on your existing IndusInd bank credit card before 31st May 2021 .

    Kindly send SMS with shortcode “UPG” to 5676757 from your registered mobile number.”

    1. Dhruv Chandhok

      Since there are only 3 days left, wanted to check if anyone know adding balance in Amazon pay/Mobikwik would also count towards the 10k spends?

      1. DIPAK KUMAR

        Simply buy amazon gift voucher if you are confused.

  46. Anirban Sen

    I have upgraded my IndusInd Platinum to IndusInd Legend in June. I paid 15K + GST and I was told I would get 2% on weekend transactions and 15K as Amazon vouchers via Gyftr. When I tried to look up the fine print regarding product details on the bank website, the link was broken.
    I am still awaiting the Gyftr points (request raised). However, what struck me was that there are many restrictions and exceptions to the 2% rule rewards on weekends rule. Government fees, insurances don’t earn anything. One electricity bill through Paytm earns 1%, another earns 0.07% which is also arbitrary. Payment to Fasttag is 0.08%. Payment to Olacabs is 0.06%, Zomato is 1%. All transactions through PayPal in USD is 1%. Payments in foreign currency (Skype, etc.) also 1%. Paying to a .gov (US) site is 0%.

    I wish the exceptions were made clear to me as a majority of my transactions fall into this bracket. I have raised a request claiming the additional points but I doubt the will give additional points.

  47. Ayush Bhargava

    As indusind pinnacle is not available now so is it worth to apply for indusind legend credit card? I am getting this lifetime through paisabazaar.

  48. Andy

    Did anyone get the offer of upgrading Aura Mastercard to Signature/Legend recently? I received an email yesterday asking me to spend 10,000 INR by Sep end to get an upgrade to Legend.

    I have not even used my Aura card ever since last 2 yrs or so. For the first time i tried getting in touch with their customer care since yesterday but in vain. The IVR keeps me waiting forever.

    Is it worth? Shall i go ahead and grab this upgrade?

    1. Gagan

      I will suggest sending an email to their customer care and getting reconfirmation of the finer T&C before upgrading.

    2. Santosh

      I got this offer around March I guess and successfully used it. Legend is way better than Aura.

    3. Ankur S

      Its an upgrade. You can take the path for keeping credit line with Indus Ind.

    4. Sud

      I got a free upgrade from Platinum Aura Edge to Signature Legend. I opted for it and got the new card last week. I’m planning to use it mainly for weekend spends as it gives 2 RP/ 100 Rs.

  49. Anirban Sen

    There appears to be a huge product push. The question is why would you want to use either card? Is there any particular feature you’re interested in?

    1. Andy

      Hey Anirban…nothing specific actually…as i said that i havent even used Aura ever… but if a LTF upgrade doesnt cost me anything and give me an additional lounge access i think it would be wise to not let it go the opportunity in vain..

  50. Kishor

    I got call from IndusInd Bank stating that free card upgrade of my current aura platinum card to legend card with no joining fee and annual fee. I accepted it. I believe it is absolutely free upgrade without joining fee, right?
    Any comments on this.
    Moreover the call was recorded call.

    1. Akash Burnwal

      I got a message from Indusind for the same, I called them and they confirmed it. No joining fees as well as no annual fees

  51. Sateesh guptha

    Hey I have got this card LTF…. Temporary offer is going on. Those who are having 75k+ salary per month will get this card for LTF. I have not even applied for this card. But I have got a call from their executives and they informed this and I said ok.
    P.s I have agreed for this card after seeing Sidharth sir review on this website only. Again thank you sir

  52. Ashwin

    Hi Sid,
    Pizzabasar is giving this indusind legend card with no annual fee and joining fee. In the site on card benefits I don’t see BMS offer.
    I read travel Plus program is not free of cost. Do I have option to not opt this travel program benefit?
    I have other credit cards for lounge access so.

    Thanks ,

  53. Sooraj Harindran

    Hello Everyone,
    Even I got the offer from paisabazaar for LTF legend card. They went through the application, but couldn’t process as the video kyc was pending. This happened 2 weeks back. 1 week back I got call from indusind support for the credit card application. They insisted a lot for the legend LTF card , I asked for written confirmation from the bank , that the card is LTF, even after getting that, I didn’t feel it right and went on with aura edge card, got the card in a week

    Called customer support to enquire about fees on my aura edge platinum card, I was informed it was a LTF card , the catch here was They were giving me an upgrade offer to legend card with fees 10k + gst and 8k vouchers.

    This is for the legend card , which the bank was ready to give as LTF free and suddenly for upgrade they wanted money.

  54. Bhavik

    I have been using this card for almost 3 years now.
    I used to redeem reward points as cashback by calling customer care. However I was informed today that I need to visit Indusmoments website in order to redeem.
    The catch is they have started to charge 100rs + GST per redemption request. Better to go for card like Axis Ace for better cashback ecosystem.

  55. Punit Bihani

    I got a call from a finance company for indusind signature legend credit card and they are providing it for lifetime free should I accept or its fake they provided me every information of them and their company

  56. Omprakash

    Spend on Paytm rent payment and cred rent payment can get reward point of indusind legend cc?

  57. dev007

    They have resumed card upgrades again it seems.
    Got a call now to upgrade my platinum aura to legend by paying 10k fee and getting 8k vouchers.

    1. Vamsi Krishna Chendika

      Same here, today I have also got a call from Indus Ind customer care to upgrade my iconia amex card to legend by paying 10k fee
      and in return will get vouchers worth 8k.

  58. Reni

    The cash redemption is reduced to 0.75 paise per point. So effectively it is a 0.75% (weekday) and 1.5% (weekend) card now. So this one goes to sock drawer now.

  59. Anu

    Got call to upgrade today with same limit as my platinum card.
    Joining fee:
    5k +gst – you get 5k offline voucher
    10k+gst – you get 8k online amazon voucher / 10k online brand vouchers

  60. Mahesh S. Panicker

    Got an upgrade offer to this card from my Platinum Master Contactless card and took it as it was an LTF upgrade. The card got devalued recently and so doesn’t hold much attraction in terms of rewards, but the lounge access that wasn’t there on Platinum made me go for this card. There are too many exceptions for the 2x weekend reward points. Think they should have kept it simple and kept the reward rate at 1and 2 percent, anything less than that, just doesn’t cut it for a premium card particularly when you have some brilliant products from Axis, ICICI and even IDFC First right from the entry level.

  61. duckhunter44

    Received a WhatsApp message from Paisabazaar today to get this card as Lifetime Free.

  62. Harsh Jharwal

    Got a message from an executive (most likely from Paisabazaar) to get this card as lifetime free with no documentation. Should the same be applied considering the recent downgrades in reward points.

  63. Sat

    Got indusind legend signature LTF last month through my relationship manager with 2L limit.. But book my show buy 1 get 1 is first come first which means rarely u get it.. Though priority pass is free, but no lounge access.. 70 paise is reward rate..


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