IndusInd Bank Landmark Gold
CancelTwo thirds of the Platinum's bookshop earn, for exactly the same price: nothing.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until IndusInd Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · why it ranks #1108
Why #1108 The cheaper Landmark rung, which is a strange thing to call it: four savings points per ₹100 at the bookshop instead of six, everything else identical, and both cards cost nothing. Carried, not valued — the points came back out only at Landmark, and Landmark is gone.
The take
The Landmark Gold is the lower of the two rungs IndusInd inherited from Deutsche Bank in 2011, and the first thing to say about it is that IndusInd priced it identically to the rung above. Nil to join, Nil to renew, Nil for add-ons — on the bank's own regulatory fee table in 2011 and again in October 2012, in the same grouped row as the Landmark Platinum. The two cards differ on exactly one line of the accrual table. At Landmark this rung earns four savings points per ₹100 against the Platinum's six. Everywhere else they are the same card: two points per ₹100 at departmental stores, two at restaurants, two on groceries, one and a half on movie tickets and on mobile bills, half a point on fuel and half on everything else, with the 2.5% fuel surcharge waived on top. Two free cards, one table row apart, and the row favours the other one — which makes this the rung to hold only if IndusInd would not give you the Platinum. What came with it was Landmark's own machinery: early word on the chain's annual sales, exclusive monthly discounts on books, music and movies, free tickets to its quiz and book-reading evenings, and free gift wrapping. IndusInd also let you pick your own statement cycle from five dates and covered unauthorised transactions up to the card's full credit limit under Total Protection. It is carried and not ranked because of a single footnote IndusInd printed in plain sight: reward points were redeemable only at Landmark stores. A closed loop, no published exchange rate, no airline at the end of it — and the Landmark chain has since closed. The travel side was never included either: Travel Plus was a ₹3,000-a-year add-on, and the Priority Pass it softened was membership with the visits charged at the door.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
IndusInd Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
What has changed under this card
- 15 Jun 2026 IndusInd doubles its DCC fee to 2% on the mass shelf, and holds 1% on the premium one issuer-wide
- 25 Mar 2025 IndusInd hikes redemption fee to ₹149, caps cash-outs at 50% issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Lifetime free — Nil to join, Nil to renew and Nil for add-ons on IndusInd's own bank-wide MITC, in two editions seventeen months apart
- Four savings points on every ₹100 spent at Landmark
- Two savings points per ₹100 at departmental stores, restaurants and groceries; one and a half on movie tickets and mobile bills
- Half a savings point on every ₹100 of fuel, on top of the 2.5% fuel surcharge being waived
- Sneak previews of Landmark's annual sales, exclusive monthly discounts and free tickets to its quiz and book-reading events
- Free gift wrapping on your purchases, with the paper of your choice
- Pick your own statement cycle from the 3rd, 5th, 8th, 12th or 18th of the month
- Total Protection against unauthorised transactions, up to the card's full credit limit
Watch out
- WITHDRAWN — no Landmark card appears on IndusInd's live credit-card range or anywhere in its current bank-wide MITC, and the Landmark chain itself has closed
- Points were redeemable ONLY at Landmark stores, in IndusInd's own words — a closed loop with no published exchange rate and no route to any airline
- THE PLATINUM RUNG COSTS THE SAME NIL AND EARNS SIX AT LANDMARK INSTEAD OF FOUR — on IndusInd's own table the two cards differ on one row, and this is the losing side of it
- Away from Landmark the card is ordinary: half a point per ₹100 on "all other spends", which is most spending
- The travel benefits were NOT included — Travel Plus was a separate ₹3,000-a-year programme, and the Priority Pass it softened was membership rather than entry, with IndusInd's own MITC pricing every visit at US$27
- Deutsche's version of this rung came with a ₹500 Landmark welcome voucher; IndusInd's page mentions no welcome gift on either rung, so none is claimed here
- Service tax on the fuel surcharge was never waived and fell on the cardholder
- Revolving cost was 3.83% a month — an APR of 46% — and foreign currency was marked up the full 3.5%
What these points actually fly
IndusInd Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. IndusInd's live credit-card range names no Landmark card, its current bank-wide MITC prices none, and the books-music-and-movies chain this card was built around is gone. The live "Landmark Rewards" cards from SBI Card and Standard Chartered are a DIFFERENT retailer — the Landmark Group's Lifestyle, Max, Home Centre and Spar — and are on this board separately.
IndusInd Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 1 Jul 2026Pioneer Legacy's quarterly lounge visit now costs ₹1.5 lakh of spend1 complimentary domestic lounge visit a quarter, no spend condition → From the Jul–Sep 2026 quarter, the visit unlocks only on ₹1,50,000 of previous-quarter spend
The spend-tracking regime IndusInd switched on in April now bites: from the July–September 2026 quarter, Pioneer Legacy's single complimentary domestic lounge visit is granted only if you put ₹1.5 lakh through the card the quarter before. Legacy sits in the same ₹1.5L tier as Pinnacle; Indulge, Solitaire and Crest need ₹5 lakh for theirs. The gate covers the domestic visit — the Priority Pass international allowance isn't part of this condition. On a private-banking card with a ₹50,000 retail joining fee, spend-gating one lounge visit a quarter is a remarkably small door to put a toll on, and IndusInd did it anyway.
- 15 Jun 2026IndusInd doubles its DCC fee to 2% on the mass shelf, and holds 1% on the premium one
- 1 Apr 2026IndusInd Pinnacle's domestic lounge access goes spend-gated
- 25 Mar 2025IndusInd hikes redemption fee to ₹149, caps cash-outs at 50%
- 7 Mar 2025Legend loses lounge access entirely1 complimentary domestic lounge visit per quarter → No complimentary lounge access at all
A year after halving Legend's lounge visits, IndusInd came back and took the rest. From 7 March 2025 the card offers no complimentary lounge access, domestic or otherwise — on a product still marketed with a ₹5,000 joining fee. The lifetime-free Legend crowd shrugs; anyone who paid for this card on the strength of its airport perks got a two-step lesson in how IndusInd sunsets a benefit.
- 1 Mar 2024Legend halves lounge visits, cuts cash value to ₹0.50
- 17 Aug 2023IndusInd launches the Avios card — BA and Qatar in one
- 3 Aug 2023IndusInd's lifetime-free Tiger prowls in
Every IndusInd Bank change we've dated → 10 events since 2016, 8 of them nerfs — worst year 2025.
Verified against IndusInd Bank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 5 of them, each with the day we read it
- official IndusInd Bank's own Landmark page, 2011 — both rungs, the full eight-category savings-points table, the Landmark privileges and the redeemable-only-at-Landmark footnote
- official The same IndusInd page ten months later (archived 01-Apr-2012) — the eight-category table, the privileges and the closed-loop footnote all unchanged
- official IndusInd Bank's bank-wide credit-card MITC, 2011 — this card in the Nil group, with 3.5% on foreign currency and US$27 charged at every lounge door
- official IndusInd's bank-wide MITC dated 23 October 2012 (archived 13-Mar-2013) — this card still Nil on a fee table where four other products' prices had already moved
- official IndusInd Bank's live credit-card range — and no Landmark card anywhere on it