IndusInd Legend Credit Card

The IndusInd Legend Credit Card is a premium financial offering designed to cater to the sophisticated needs of high-net-worth individuals. Crafted with an array of luxurious benefits, this credit card stands out for its exclusive privileges and unparalleled services, making it an ideal choice for discerning consumers who seek both prestige and performance.

Boasting a host of lifestyle, travel, and dining benefits, the IndusInd Legend Credit Card provides cardholders with access to a world of elite experiences. From complimentary lounge access at major airports to significant discounts at top-tier restaurants and luxury hotels, this card ensures that every journey is comfortable and every meal is memorable.

Moreover, the card features an attractive rewards program that allows users to earn points on every spend, which can be redeemed for a wide range of exciting options, including travel bookings, high-end merchandise, and gift vouchers. With a focus on security and convenience, the IndusInd Legend Credit Card also offers robust fraud protection measures and seamless digital payment solutions.

Features of IndusInd Legend Credit Card

The IndusInd Bank Legend credit card offers a range of benefits and features, outlined below:

1. Reward Points : For every Rs. 100 spent on weekdays, you earn one reward point. On weekends, you earn two reward points for the same amount spent. Additionally, if you spend over Rs. 6,00,000 within a year from the date of card issuance, you can earn 4,000 reward points.

2. Welcome Benefits: With the IndusInd Legend Credit Card, you receive a complimentary stay at any Oberoi hotel across India. You can also choose from an exclusive collection of premium stationery, jewellery, and other items from top brands worldwide. 

The card grants you access to over 30 luxury and premium global brands with a special gift card. Furthermore, you can enjoy various discount vouchers from brands like Flipkart, Uber, Ola, Bata, Pantaloons, Raymond, and more.

3. Entertainment Benefits: Through BookMyShow, you can avail a buy-one-get-one free offer on movie tickets. You can get up to one free movie ticket per month and enjoy an additional Rs. 50 off on food and beverage options. These entertainment offers are valid in all major cities across the country.

4. Travel Benefits: The card provides access to over 600+ lounges worldwide with a special pass. You also receive waivers on lounge usage charges outside of India. Travel insurance is included, covering lost baggage, passport loss, missed connections, lost tickets, and delayed luggage. Additionally, you benefit from a 1.8% discount on foreign currency mark-up fees for international transactions.

5. Legend Card Concierge: Enjoy complimentary premium services for flight bookings, hotel reservations, and other support with the Legend Card Concierge. You can also seek assistance for attending events and booking shows. The concierge service allows you to arrange gifts and flowers for others.

6. Fuel Benefits: You receive a 1% fuel surcharge waiver at any fuel station in India.

7. Auto Assistance: Cardholders can access a range of auto services with a single phone call. These services include roadside repairs, accident management, medical assistance, emergency fuel supply, flat tyre services, lost key service, battery services, and emergency towing.

8. Total Protect Program: This program covers the entire credit limit of the card, including add-on cards, against unauthorised transactions and counterfeit fraud.

Contactless Card: The contactless feature, enabled by a chip-based inlay, offers easy, convenient, and secure transactions for everyday purchases.

  

IndusInd Legend Credit Card: Rewards and Benefits

1. Movie & Dining

The IndusInd Legend Credit Card offers an enticing array of rewards and benefits tailored to enhance your movie and dining experiences. With a Buy-One-Get-One (BOGO) offer on movie tickets, cardholders can enjoy one complimentary ticket each month, up to a value of Rs. 200. This perk not only provides a cost-effective way to catch the latest blockbusters but also ensures that your entertainment outings are more enjoyable and frequent.

2. Rewards Rate

The IndusInd Legend Credit Card features a dynamic rewards program designed to maximise your spending benefits. Cardholders earn 1 Reward Point for every Rs. 100 spent on weekdays, while weekend expenditures yield double the rewards, at 2 Reward Points per Rs. 100 spent. This structure encourages strategic spending, allowing you to accumulate rewards more rapidly during weekends when leisure and shopping activities are typically higher.

3. Reward Redemption

Flexibility in reward redemption is a key highlight of the IndusInd Legend Credit Card. Cardholders can convert 1 Reward Point to 1 InterMile, making it an excellent option for frequent travellers looking to enhance their flight experiences. Alternatively, rewards can be redeemed for cash credit at a rate of 1 Reward Point to Re. 1, providing direct monetary value. Additionally, those who prefer luxurious air travel can convert their points into Club Vistara Points, with 1 Reward Point equating to 1 CV Point, thus facilitating upgrades and premium services on Vistara flights.

4. Travel

Travel benefits are a significant aspect of the IndusInd Legend Credit Card. Cardholders receive a complimentary Priority Pass membership, granting access to a network of international lounges, although the card itself does not offer free international lounge visits. Domestically, users can enjoy 1 free airport lounge access per quarter, totalling 4 visits per year. This ensures a comfortable and stress-free travel experience within India.

5. Insurance Benefits

Safety and security are paramount with the IndusInd Legend Credit Card, which provides extensive insurance coverage. Cardholders benefit from a complimentary air accidental cover of Rs. 25 lakhs, offering substantial protection during air travel. Additionally, the card includes complimentary lost baggage insurance of Rs. 1 lakh, along with several other travel insurance covers, ensuring peace of mind during your journeys.

Eligibility & Documentation For Induslnd Legend Credit Card

To apply for the IndusInd Bank Legend Credit Card, applicants must meet specific eligibility criteria and provide the necessary documentation. Below are the detailed requirements:

1. Occupation: The IndusInd Bank Legend Credit Card is available to both salaried individuals and self-employed professionals. This flexibility ensures that a wide range of applicants, from corporate employees to business owners, can apply for the card, making it accessible to diverse professional backgrounds.
2. Age: Applicants must be within the age range of 21 to 60 years. This range accommodates young adults who are starting their careers and middle-aged professionals who are well-established, ensuring that the card caters to a broad demographic.
3. Minimum Income Required: The minimum income requirement to qualify for the IndusInd Bank Legend Credit Card is Rs. 20,000 per month. This threshold ensures that the card is accessible to individuals with a stable income, reflecting the bank’s commitment to responsible lending and financial inclusion.

Documents Required For Induslnd Legend Credit Card

To complete the application process, applicants need to provide certain documents. These typically include:

•    Identity Proof: Aadhar card, PAN card, passport, or voter ID card.
•    Address Proof: Utility bills, rental agreement, passport, or Aadhar card.
•    Income Proof: Recent salary slips, IT returns, or bank statements.
•    Photographs: Recent passport-sized photographs.

These documents help verify the applicant’s identity, residence, and financial status, ensuring a smooth and efficient application process.

Application Process for IndusInd Legend Credit Card

Applying for the IndusInd Legend Credit Card is straightforward and can be done online by following these steps:

1. Visit the Official Website:  Go to the IndusInd Legend Credit Card page at https://www.indusind.com/in/en/personal/cards/credit-card/legend-credit-card.html  on the IndusInd Bank website. This page contains all the necessary information about the credit card and the application process.

2. Enter Your Details: Fill out the online application form with your personal information, including your name, contact details, and any other required information. Ensure that all details are accurate and complete to avoid any delays in processing.

3. Explore Offers:  After entering your details, you will be presented with various offers that the bank has tailored for you. Review these offers carefully and choose the one that best suits your needs. Click on the Legend Credit Card option to proceed.

4. Submit Your Application: Once you have selected the Legend Credit Card, complete the application by clicking the submit button. This action will finalise your application and send it to the bank for processing.

After you have submitted your application, you will receive an acknowledgement email in your inbox. This email will confirm that your application is under process and provide any additional instructions or information if needed. Be sure to check your email regularly for updates on the status of your application.

Why You Should Choose the IndusInd Legend Credit Card

1. Attractive Reward Rates: The IndusInd Legend Credit Card offers an impressive rewards program that caters to both weekday and weekend spending. Cardholders earn 1 Reward Point for every Rs. 100 spent on weekdays and double the points (2 Reward Points per Rs. 100) on weekends. This structure encourages strategic spending and maximises the value of your purchases, particularly during weekends when leisure and entertainment activities are more frequent.
2. Flexible Redemption Options: The flexibility of the rewards program is a major advantage. Cardholders can convert their Reward Points into InterMiles, which is ideal for frequent travelers looking to enhance their flying experiences. Alternatively, points can be redeemed as cash credit, offering direct financial benefits. For luxury travelers, points can also be converted into Club Vistara Points, allowing for upgrades and premium services on Vistara flights.
3. Extensive Travel Benefits: The card includes significant travel perks, such as a complimentary Priority Pass membership, which grants access to a vast network of international airport lounges. While international lounge visits are not free, cardholders can enjoy 1 free domestic lounge access per quarter, totalling 4 visits annually, ensuring comfort and convenience during domestic travels.
4. Comprehensive Insurance Coverage: Cardholders benefit from substantial insurance coverage, including an air accidental cover of Rs. 25 lakhs. This provides peace of mind and financial security during air travel. Additionally, the card offers complimentary lost baggage insurance of Rs. 1 lakh, alongside other travel insurance covers, ensuring comprehensive protection against various travel-related risks.
5. Personalised Services: The 24/7 concierge service is a standout feature, offering personalised assistance for a variety of needs such as travel bookings, restaurant reservations, and event planning. This service is particularly valuable for busy professionals and frequent travelers who require efficient and reliable support.
6. Robust Fraud Protection: Security is a top priority with the IndusInd Legend Credit Card. It features advanced EMV chip technology to safeguard against counterfeit fraud. Additionally, the “Total Protect” program covers unauthorised transactions up to the credit limit, including transactions made on lost or stolen cards, providing comprehensive protection and peace of mind.

Comparison with Other Premium Credit Cards

• Versatile Redemption: The IndusInd Legend Credit Card offers more flexible redemption options compared to many other premium cards. Cardholders can choose to convert their Reward Points into InterMiles, Club Vistara Points, or cash credit, catering to a wide range of preferences and needs.
• Competitive Foreign Currency Markup: With a foreign currency markup fee of 1.80%, the IndusInd Legend Credit Card is more cost-effective for international travelers compared to many other premium credit cards, which often charge higher fees.
• Travel Benefits: The card’s travel perks, including the complimentary Priority Pass membership and quarterly domestic lounge access, are on par with or better than those offered by competing cards. These benefits enhance the travel experience by providing comfort and convenience.
• Comprehensive Insurance: The extensive insurance coverage, including air accidental cover and lost baggage insurance, is a significant advantage over many other premium credit cards that may not offer comprehensive protection.
• Fuel Surcharge Waiver: The 1% waiver on fuel surcharge at all fuel stations across India is a valuable benefit, particularly for frequent drivers, and is a feature not always provided by other premium cards.
• Standard Interest Rates and Fees: While the interest rates and cash advance charges are in line with industry standards, the additional perks, such as comprehensive insurance coverage and the fuel surcharge waiver, give the IndusInd Legend Credit Card an edge over its competitors.

Reward Points Program and Usage

• Earning Points: The IndusInd Legend Credit Card’s rewards structure is designed to maximise benefits. Cardholders earn 1 Reward Point for every Rs. 100 spent on weekdays and 2 Reward Points for every Rs. 100 spent on weekends. This incentivises higher spending during weekends when leisure activities and shopping are more common.
• Redemption Flexibility: The rewards program offers flexibility in how points can be redeemed. Cardholders can convert their points into InterMiles, which are useful for booking flights and other travel-related expenses. Alternatively, points can be redeemed for cash credit, offering direct savings that can offset the card’s fees or other expenditures.
• Travel Rewards: For frequent flyers and luxury travelers, the option to convert points into Club Vistara Points is particularly appealing. These points can be used for flight upgrades, premium services, and other travel benefits, enhancing the overall travel experience.
• Direct Monetary Value: The option to redeem Reward Points for cash credit provides direct financial benefits. This can be particularly useful for offsetting the cost of the card’s annual fees or for reducing other expenses, adding to the overall value of the rewards program.
• Enhanced Weekend Benefits: By offering double the reward points on weekends, the IndusInd Legend Credit Card caters to the spending habits of users during their leisure time, ensuring that they get the most out of their purchases during high-spending periods.

Exclusive Dining and Lifestyle Benefits

• Movie Ticket Offer: The card offers a Buy-One-Get-One (BOGO) deal on movie tickets, allowing cardholders to enjoy one complimentary ticket per month, up to a value of Rs. 200. This benefit makes movie outings more affordable and frequent, adding value to the entertainment experience.
• Dining Discounts: Cardholders enjoy significant discounts and special offers at a wide range of premium restaurants. These dining benefits enhance the culinary experience by providing access to exclusive deals and savings at top-tier dining establishments.
• Lifestyle Perks: In addition to dining benefits, the card offers exclusive deals and discounts at luxury stores and lifestyle events. These perks cater to cardholders who enjoy shopping for high-end products and attending exclusive events, adding value to their lifestyle.
• Curated Experiences: The dining and lifestyle benefits are curated to enhance the refined lifestyle of cardholders. From gourmet dining experiences to luxury shopping and exclusive event access, these benefits are designed to provide a superior lifestyle experience.
• Comprehensive Rewards Program: The dining and lifestyle benefits complement the robust rewards program of the IndusInd Legend Credit Card, ensuring that cardholders can enjoy a range of perks that enhance their everyday experiences while also earning significant rewards.

Financial Management and Flexibility

• Competitive Interest Rate: The card offers an interest rate of 3.83% per month (46% per annum), which, while standard in the industry, is complemented by various repayment options that provide flexibility in managing finances.
• Cash Advance Facility: The cash advance feature allows cardholders to withdraw cash up to a certain limit, with a charge of 2.5% of the transaction amount (minimum Rs. 500). This feature is particularly useful in emergencies or situations where immediate cash is needed.
• Detailed Monthly Statements: The card provides detailed monthly statements that help cardholders track their spending and manage their finances effectively. These statements provide a clear breakdown of all transactions, making it easier to monitor and control expenses.
• Online Expense Tracking: The bank’s online portal offers tools for tracking and managing expenses. Cardholders can access their account online to review transactions, track reward points, and manage their finances with ease, ensuring they stay on top of their spending.
• Financial Tools: The IndusInd Legend Credit Card includes various financial tools and features designed to enhance financial management. These tools help cardholders budget effectively, monitor spending habits, and ensure that they make the most of their card’s features and benefits.

Cardholder Responsibilities and Best Practices

To fully leverage the benefits of the IndusInd Legend Credit Card and maintain financial health, cardholders should adhere to certain responsibilities and best practices.

• Timely Payments: Ensuring timely payment of monthly credit card bills is crucial to avoid interest charges and late payment fees. Setting up automated payments or reminders can help manage due dates effectively.
• Monitor Spending: Regularly reviewing monthly statements and using the bank’s online portal to track spending can help cardholders stay within budget and identify any unauthorised transactions quickly.
• Maximise Rewards: Cardholders should strategically plan their spending to maximise reward points, particularly by taking advantage of the higher points earned on weekend purchases. Utilising reward points for travel, cash credit, or other high-value redemptions ensures that cardholders get the most benefit.
• Utilise Perks: Making full use of the card’s perks, such as lounge access, concierge services, and insurance benefits, adds significant value. Understanding and leveraging these benefits can enhance the overall cardholder experience.
• Avoid Cash Advances: While cash advances offer quick access to funds, they come with high fees and interest rates. Cardholders should use this feature sparingly and only in emergencies to minimise additional costs.

Conclusion

In conclusion, the IndusInd Legend Credit Card stands out as a premier choice for individuals seeking unparalleled luxury and convenience in their financial transactions. With its array of exclusive benefits and privileges, this card epitomises sophistication and excellence in banking services. From priority airport lounge access to personalised concierge assistance, cardholders enjoy a seamless and indulgent experience at every step. 

Moreover, the IndusInd Legend Credit Card offers unparalleled rewards programs, allowing users to earn points on every spend and redeem them for a variety of premium rewards, including travel vouchers, merchandise, and experiences. As a symbol of prestige and sophistication, the IndusInd Legend Credit Card redefines the boundaries of premium banking and sets a new standard for elite financial services.

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