IndusInd Legend
KeepThe lounge card whose lounges left in March 2025 — now a weekend-doubler and little else.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: None — ₹5,000 one-time joining fee, no annual renewal fee (frequently issued lifetime-free to existing customers)
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays from the first rupee
At ₹1,000 a month — ₹12,000 a year — on the everyday mix this card returns ₹100 gross (earn ₹100) against its ₹0 fee = ₹100 net — at or above ₹0 from the first rung we price. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · the network variants
Legend redeems IndusInd points below the ₹0.80 house value: non-cash redemptions (vouchers, flights via IndusMoments) pay ₹0.75/RP, cash credit pays ₹0.50 (cut from ₹0.75 on 1-Mar-2024, capped 5,000 points a month with a ₹149 fee), and airmile transfers — Maharaja Club and KrisFlyer alike — run at 4:1, a ₹0.25 decoy. The 1:1 Maharaja route that sets the house value is Tiger-only.
Best real exit: Singapore Airlines KrisFlyer at ₹0.28/pt (4:1 transfer).
The take
Legend was IndusInd's workhorse premium Visa: a one-time ₹5,000 to join, no renewal fee, often handed out lifetime-free, with complimentary airport lounge access as the headline. That headline is gone — effective 7 March 2025 the complimentary lounge benefit was discontinued outright, and Priority Pass now survives only "on request" with every visit charged at US$35. What remains is a modest earner: 1 reward point per ₹100 on weekdays and 2 on weekends, worth ₹0.75 against vouchers, ₹0.50 as cash (since March 2024), or a decoy 4:1 into Maharaja and KrisFlyer, plus a 3,000-point nudge at ₹5L spend in year one. With no recurring fee it's harmless to keep in a drawer for the weekend double and its low 1.8% forex, but as a card you actively use it's been reduced to a shadow. Don't pay to acquire one for the lounges — there aren't any anymore.
Your renewal — keep, downgrade or cancel
This card charges nothing at the anniversary — its one fee was taken at issue. There is no renewal decision to make; keeping it costs ₹0 a year.
Keep, downgrade or cancel
nothing due at the anniversary · 5 spend bands
The charge ₹0/yr · ₹5,000 joining (one-time)
At your spend
₹2,300 a year at ₹3,00,000 of annual spend
₹6,900 a year at ₹6,00,000 of annual spend
₹11,400 a year at ₹12,00,000 of annual spend
₹29,500 a year at ₹36,00,000 of annual spend
₹47,500 a year at ₹60,00,000 of annual spend
Everyday earn plus milestones, with no fee to subtract — the same model as the value panel above, so the two cannot disagree. run your exact spend →
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 the numbers above are the whole of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton a program these points reach
- 25 Aug 2026 Vietnam Airlines Lotusmiles opens a broad SkyTeam status match — up to Elite Plus a program these points reach
- 20 Aug 2026 IHG Hotels & Resorts becomes a Maharaja Club earning and conversion partner a program these points reach
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
- 2 RP/₹100 on weekends (≈1.5%), 1 RP/₹100 on weekdays
- One-time ₹5,000 joining fee, no annual renewal fee — often issued lifetime-free
- Low 1.8% forex markup — among the better rates on an IndusInd card
- 3,000 bonus Reward Points at ₹5L spend in the first card year
Watch out
- Complimentary lounge access discontinued 7 Mar 2025 — Priority Pass is now paid (US$35/visit)
- 0.75% on weekdays; the only real lift is the weekend double
- Cash redemption ₹0.50/RP, capped 5,000 points/month with a ₹149 fee; airmiles — Maharaja and KrisFlyer — at 4:1 (₹0.25) are decoys
- The 3,000-point bonus reads as a FIRST-YEAR offer — IndusInd's T&C says "within one year from the date of credit card issue" and pays it "within 45 days post completion of 1 year"; don't bank on it recurring
- 1% fee on utilities >₹25k, wallet loads >₹20k and fuel >₹30k per statement cycle
- 2% DCC fee (+GST) from 15-Jun-2026 on rupee-billed foreign transactions — pay in local currency to keep the 1.8% forex
What these points actually fly
You hold this — the numbers below are your own points.
These points feed 21 programmes that publish an award chart. Cheapest verified seat per cabin, priced in YOUR points with this card's own ratio already applied:
- Delhi → Singapore Economy 76,000 IndusInd Reward Points via Singapore Airlines KrisFlyer at 4:1 the play
- Bengaluru → Singapore Business 180,000 IndusInd Reward Points via Singapore Airlines KrisFlyer at 4:1
- Mumbai → Delhi First 320,000 IndusInd Reward Points via Air Canada Aeroplan at 12.8:1 (through Singapore Airlines KrisFlyer → Marriott Bonvoy) the play
What earns, what doesn't
13 sourced rules · 5 pay zero
- Fuel · excluded Zero RP; 1% surcharge waiver; 1% fee on fuel >₹30k/cycle (MITC)
- Rent & property management · excluded No RP on rent (community/flag); 1% third-party-rent fee per txn (MITC)
- Wallet loads · excluded Wallet loads earn zero (community/flag); 1% fee >₹20k/cycle (MITC)
- Utilities (electricity/water/gas) · reduced Base 1 RP/₹100 (no weekend double); 1% fee >₹25k/cycle (MITC)
per IndusInd Bank T&C (community-sourced) · rank every card by spend category →
Does your spend count toward the milestones?
not published — and we say which
₹5,00,000 a year is the bar for the first milestone. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. IndusInd Bank states what the IndusInd Legend earns and does not earn, but has not published which spend categories count toward the milestones — the ₹5,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Where the miles go
2 programs
Ratios read card points : partner miles — 2:1 means 2 points become 1 mile. Never the other way round.
every IndusInd Bank route, side by side → · the IndusInd Reward Points hub →
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.
Direct application — no invite list, no banking relationship required.
IndusInd Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official IndusInd Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Joining ₹5,000, NO annual renewal fee (frequently issued lifetime-free to existing customers). Complimentary lounge access DISCONTINUED 7-Mar-2025; Priority Pass available only on request with every visit billed US$35. 1% fee on utilities >₹25k, wallet loads >₹20k, fuel >₹30k per cycle and 1% on third-party rent per txn. Income/age not published.
per the official IndusInd Bank MITC · reviewed 10 Jul 2026
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.
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 25 Aug 2026Vietnam Airlines Lotusmiles opens a broad SkyTeam status match — up to Elite Plus
- 20 Aug 2026IHG Hotels & Resorts becomes a Maharaja Club earning and conversion partner
- 18 Aug 2026Amex India re-rates Virgin Atlantic upward — 2:1 becomes 5:4, the first MR buff in years
- 6 Aug 2026MaxCoins' full transfer catalogue surfaces — Accor at 2:1 re-prices the coin to ₹1.08
- 3 Aug 2026SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programme
- 2 Aug 2026Flipkart SuperCoins into Maharaja Club improve to 2:1
- 26 Jul 2026Air India's quiet network retreat: Tokyo moves, Paris and San Francisco go, Malé pauses
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 · the net-annual-value engine, at our house ₹/point
Every document behind this page — 7 of them, each with the day we read it
- official Product page — weekday/weekend earn; the 3,000-point bonus stated twice and inconsistently (body "within one year from the date of credit card issue", footnote "in a year")
- official Benefit guide PDF (Dec-2025)
- official MITC / fee schedule PDF
- official Bank Maharaja redemption T&C — 400 RP = 100 Maharaja Points (4:1); min 500 RP, multiples of 100, max 25,000 RP a calendar month. This is the page Legend's own product page links
- official Bank KrisFlyer redemption T&C — 400 RP = 100 KrisFlyer miles (4:1); min 500 RP, multiples of 100, max 10,000 RP a calendar month
- official Bank bonus-rewards T&C — "Legend Credit Card - Earn 3,000 bonus reward points on spends of ₹ 5,00,000* or above within one year from the date of credit card issue"
- community CardInsider review