IndusInd BankVisa Network

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Direct Bank Application via Official Issuer Portal

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4.3/5 Editorial Score

IndusInd Legend Credit Card

Lifetime Free Premium Lifestyle — Complimentary Lounges, BMS BOGO & Weekend Multipliers

Best Suited For

Young professionals, occasional travelers, and leisure spenders looking for a zero-fee credit card with complimentary airport lounges and movie discounts.

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Joining Fee

Free

One-time upfront

Annual Fee

Free

Lifetime Free — no renewal fee

Base Rewards

1 Reward Point per Rs 100 on weekdays, 2 Reward Points on weekends

On eligible spends

Forex Markup

3.50% + GST

Cross-currency spends

Apply Now Compare Card Official Terms

Last verified 17 Sept 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.3/5 Editorial Score

The IndusInd Legend Credit Card has earned widespread popularity in India as one of the very few genuine **Lifetime Free (LTF / ₹0 fee)** credit cards that bundles legitimate airport lounge access alongside monthly entertainment privileges. Unlike entry-level cards that levy recurring maintenance fees, IndusInd Legend requires **zero joining fee and zero annual renewal fee**, making it an entirely cost-free asset to hold in any wallet. The card's lifestyle suite is surprisingly generous for a zero-fee product: cardholders enjoy **1 complimentary domestic airport lounge visit per calendar quarter (4 visits per year)** at participating airport lounges across India. Entertainment spenders receive **Buy 1 Get 1 free movie tickets on BookMyShow (up to ₹200 discount)**, usable once per calendar month, allowing for up to ₹2,400 in direct movie savings each year. Rewards are skewed toward weekend discretionary spending: cardholders earn 1 Reward Point per ₹100 spent on regular weekdays, which doubles to **2 Reward Points per ₹100 on weekend spending** (where 1 point = ₹0.75 for air miles or cash credit). Because it carries zero recurring annual maintenance fees and zero spend waiver hurdles, IndusInd Legend is an effortless recommendation for anyone seeking a zero-maintenance secondary card for travel and cinema.

Ideal For:Young professionals, occasional travelers, and leisure spenders looking for a zero-fee credit card with complimentary airport lounges and movie discounts.

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Card Strengths

100% Lifetime Free (₹0 joining fee and ₹0 annual fee) with no recurring charges
4 complimentary domestic airport lounge visits per calendar year (1 per quarter)
Buy 1 Get 1 free movie tickets on BookMyShow up to ₹200 off every month
2X Reward Points on weekend shopping, dining, and retail spending
High reward redemption value of ₹0.75 per point against cash statement credit

Things to Keep in Mind

Weekday base reward rate is modest at 1 point per ₹100 (~0.75% return)
BookMyShow movie ticket discount is capped at ₹200 once per month
No complimentary international airport lounge access included
Standard foreign currency markup of 3.50% applies on foreign transactions

Additional Cardholder Privileges

Rewards

1 Reward Point/₹100 for Spends on Weekdays (~0.50%) and 2 Reward Points/₹100 for Spends on Weekends (~1%)

Welcome

Welcome Benefit 1

N/A

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: Legend Rewards
Reward Currency: Reward Points
Base Earn Rate: 1 Reward Point per Rs 100 on weekdays, 2 Reward Points on weekends
Point Value (INR): ₹0.5000 per point
Redemption Channels: Refer to bank rewards portal
Reward Point Expiry: Refer to bank rewards program terms

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Weekend Spends	2 Reward Points per Rs 100 spent on weekends (1.00% value return at Rs 0.50/pt)	No Cap	Standard terms apply
Weekday Retail Spends	1 Reward Point per Rs 100 spent on weekdays (0.50% value return at Rs 0.50/pt)	No Cap	Standard terms apply

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Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

Open Rewards Calculator

Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

Reward Calculator

Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Weekend Spends2.00%

No published cap

₹

Weekday Retail Spends1.00%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Weekend Spends	₹6,000	2 Reward Points per Rs 100 spent on weekends (1.00% value return at Rs 0.50/pt)	—	None	Calculating...	Under cap
Weekday Retail Spends	₹6,000	1 Reward Point per Rs 100 spent on weekdays (0.50% value return at Rs 0.50/pt)	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

₹0

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds (fee waived).

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Milestone Spend Progression

Bonus vouchers and annual fee waiver milestones unlocked as your total spend increases

Tier 1 Target

₹6 lakhper year

Worth ₹2,000

Annual Milestone Bonus

Earn 4,000 bonus reward points (worth Rs 2,000) on achieving Rs 6,00,000 annual spend.

*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.

Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): Free
Annual / Renewal Fee (2nd Year Onwards): Free
Annual Spend Fee Waiver: Lifetime Free — no renewal fee
Fee Terms Notes: Lifetime Free (₹0 joining fee and ₹0 annual fee) under standard digital application.

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): Refer to official schedule of charges
Annualized Interest Rate (APR): Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Joining Fee: ₹0 (Lifetime Free / Nil joining fee under standard digital applications). • Annual Renewal Fee: ₹0 (Lifetime Free; zero annual maintenance charges). • Domestic Airport Lounge Access: 4 complimentary domestic airport lounge visits per calendar year (1 visit per calendar quarter). • Entertainment Privileges: Buy 1 Get 1 free movie tickets on BookMyShow up to ₹200 off per booking (valid once per calendar month). • Weekend Spend Rewards: 2 Reward Points per ₹100 spent on Saturday and Sunday retail transactions (approx 1.50% value back). • Weekday Spend Rewards: 1 Reward Point per ₹100 spent on Monday to Friday retail transactions (approx 0.75% value back). • Reward Redemption Value: 1 Reward Point = ₹0.75 when redeemed for air miles or statement cash credit. • Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions between ₹400 and ₹4,000 (maximum waiver ₹250 per month). • Foreign Currency Markup: 3.50% + GST on foreign exchange transactions.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.

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Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding IndusInd Legend Credit Card application, fees, reward redemption, and eligibility

Is the IndusInd Legend Credit Card truly Lifetime Free?

Yes. When applied for through online digital channels, the IndusInd Legend Credit Card is issued with zero joining fees and zero annual renewal fees for life, without any annual spending conditions.

How do I claim the BookMyShow movie offer on IndusInd Legend?

Book at least two movie tickets on the BookMyShow website or mobile application. In the payment step, select 'Credit Card Offers', choose IndusInd Bank, and enter your Legend card details to apply a discount of up to ₹200 on the second ticket.

How many domestic airport lounge visits are included?

Cardholders receive 1 complimentary domestic airport lounge visit per calendar quarter (total 4 visits per year) at participating lounges across India simply by presenting the card.

What is the cash value of IndusInd Legend reward points?

Each Reward Point is worth ₹0.75 when redeemed as direct cash credit against your outstanding statement balance, or when converted to partner airline frequent flyer miles.

What is the joining and annual renewal fee for IndusInd Legend Credit Card?

The joining fee for IndusInd Legend Credit Card is Free (one-time), and the annual renewal fee is Free from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on IndusInd Legend Credit Card be waived?

IndusInd Legend Credit Card is a Lifetime Free credit card with no annual renewal fee, so no spend-based waiver is required.

What are the primary rewards and cashback earn rates on IndusInd Legend Credit Card?

IndusInd Legend Credit Card offers 1 Reward Point per Rs 100 on weekdays, 2 Reward Points on weekends. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does IndusInd Legend Credit Card offer complimentary airport lounge access?

No, IndusInd Legend Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.