Legend credit card
Often lifetime free: 1 point per ₹100 on weekdays, 2 on weekends, lounge access.
Source: IndusInd Bank – Legend product page · last reviewed 2026-09-19
Why it fits – and what to watch
hover any tile for the detail! Lounge access needs ₹1,50,000 spend per quarter – your spend does not qualify.
Where the money comes from
₹1,816/yr · 0.6%UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).
- How ₹1,816/yr is calculated
- Legend
- + Reward value on your spendat ₹0.5/IndusInd Reward Points realistic value
- ₹1,456
- + Fuel surcharge waiver1% up to ₹250/month
- ₹360
- + Annual fee incl. 18% GSTlifetime free
- ₹0
- = Recurring net savings
- ₹1,816/yr
- ÷ card spend counted UPI-only rupees excluded on non-RuPay cards
- ₹3,26,640
- = Effective savings rate
- 0.6%
How the score of 30 is built
weights total 100% · methodologyAirport lounges with this card
Open Lounge Finder →How you get in: issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.
DEL Delhi 4 lounges
- ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
- ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
- ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
BOM Mumbai 3 lounges
- ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
- ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 2 lounges
- ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
- ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 2 lounges
- ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
- ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
HYD Hyderabad 2 lounges
- ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
IXA Agartala 1 lounge
- ✈Main Agartala Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
AMD Ahmedabad 1 lounge
- ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
ATQ Amritsar 1 lounge
- ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
AYJ Ayodhya 1 lounge
- ✈Main Adani Lounge (Ayodhya) Adani Airports · via issuer programme (bank / operator app) check at desk
IXB Bagdogra 1 lounge
- ✈Main Bagdogra Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BHO Bhopal 1 lounge
- ✈Main Bhopal Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BBI Bhubaneswar 1 lounge
- ✈T1 Bhubaneswar Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
+ 30 more airports in the Lounge Finder.
What changed on this card
- DevaluationIndusInd Bank
IndusInd links lounge access to quarterly spend (₹1.5L, ₹5L on premium cards)
IndusInd Bank announced on 1 April 2026 that complimentary domestic lounge visits become spend-linked, with the benefit applying from July 2026: ₹5 lakh spend in the previous quarter on premium cards such as Pinnacle, ₹1.5 lakh on other variants. CardLens now applies that gate when it counts usable lounge visits.
Card facts
At a glance
- Lifetime free when offered
- 1.8% forex
- Weekend earn boost
- 0.6% base
- Lounge needs ₹1.5L quarterly spend since Jul 2026
- ₹9,999 if not LTF
Compare Legend with
Community Q&A on the Legend
Threaded questions from cardholders · the Advisor can add a computed answer.
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Frequently asked questions
What is the annual fee of the IndusInd Bank Legend?
It is lifetime free – no joining or renewal fee.
Does the Legend give airport lounge access?
4 domestic/yr. 1 domestic per quarter on ₹1.5L quarterly spend (from Jul 2026). Access needs ₹1,50,000 spend per quarter.
How much can I save with the Legend?
For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹1,816 a year, an effective savings rate of 0.6% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.
What are the Legend's reward exclusions and caps?
No rewards on fuel, rent, utilities, insurance, education. No monthly caps on the main earn rates.
Sources
Reviewed 2026-09-19. Point values are our realistic estimates – see methodology. Also: Legend lounge access by airport · all IndusInd Bank cards · change log.