Indusind Bank Signature Legend Credit Card Review

The Indusind Bank legend credit card is one of the most premium credit cards from Indusind Bank. It packs some excellent benefits like free access to domestic and international lounges, complimentary golf rounds, insurance coverage, and a ton of other travel and lifestyle-related benefits. 

Most of the high-grade credit cards feature a very high annual fee, but this card is an exception, there is no annual charge on this card. It is powered by Visa and the applicable interest rate on this card is 3.83% monthly, more indusind bank credit card details are discussed below. 

IndusInd Bank Credit Card Eligibility Criteria:

• Resident Type: Indian
• For salaried person:
  • Age: The age of the applicant should be between 21 to 60 years. 
  • Income: The annual income tax return should be greater than Rs. 40,00,000.
• For self-employed person:
  • Age: The age of the applicant should be between 21 to 65 years. 
  • Income: The annual income tax return should be greater than Rs. 40,00,000. 
• A long relationship with the bank will help you to get this indusind bank legend credit card . 
• An excellent credit score (780+) is needed to apply for this indusind bank credit card .

You can apply for indusind bank credit card online from the Indusind bank online application page. You can find more about the indusind bank credit card application process from the 100xGain FAQ page. 

Once your application is submitted successfully, you can track the status of indusind bank credit card approval process by calling the 24X7 active customer service number. 

Required Documents:

• Photocopy of Address proof (any 1)
  • Last 6 months bank account Statement
  • Aadhar Card
  • Driving License
  • Passport
  • Utility bills
• Photocopy of ID Proof (any 1)
  • Aadhar card
  • Voter Card
  • Passport
  • PAN Card
• Two recent passport-sized photographs
• Proof of income statement:
  • Salaried Person (any 1)
    • Salary Slip of last 3 months
    • ITR (Income Tax Return)
  • Self-employed person
    • Income tax return of the last year
    • Proof of business

As per new credit card rules, all new credit cards are delivered in an inactive state, and to start using this card, you need to activate it manually by generating a new indusind bank credit card pin . If you are interested to know how to generate indusind bank credit card pin ? then feel free to visit our FAQ page. 

IndusInd Bank Credit Card Fees:

• IndusInd bank credit card joining fees : Rs. 9999 + GST
• IndusInd bank credit card annual charges : Rs. 9999 + GST

IndusInd Bank Credit Card Benefits:

• Bundles of welcome benefit:

With the activation of the card, you will be welcomed with a bunch of gift vouchers of premium brands like Montblanc, Charles & Keith, Louis Philippe, Hush Puppies, Urban Ladder, etc. You can request your gift voucher by calling the indusind credit card customer care number. 

• Attractive rewards:

You will earn reward points from shopping, bill payment, movie ticket booking, etc. The indusind bank credit card reward points scheme is discussed below. 

Category of spending.	Total rewards.
Spends made from Monday – Friday	1 Reward point.
Spends made from Saturday – Sunday	2 Reward points.

The indusind reward point redemption process is very simple, you can use those points for flight or hotel booking by converting them into air miles. You can also convert them into cash or use them to get a product from the indusind bank credit card rewards catalogue.

• Attractive indusind bank credit card movie offers:

If you book a movie ticket using this card, you will get another completely free. You can also get an additional Rs. 50 off if you select the Food and Beverage option. You can get up to 3 movie tickets in an indusind bank aura credit card billing cycle.

• Free domestic and international lounge access:

Under the Priority Pass membership, you will get free access to domestic and international priority pass lounges. Also under the Travel plus program, you will get an exclusive waiver on lounge access frees. Also if you are a MasterCard user then you will get up to 2 free accesses to most of the domestic MasterCard lounges. 

If you can’t your indusind bank lifetime free credit card during your international trip, that means the international transaction feature is turned off on your card. You can turn on the option using the indusind credit card net banking account. If you are interested to know how to activate indusind bank credit card for international transactions then feel free to take a look at the 100xGain FAQ page. 

• Free golf access:

This indusind bank life time free credit card gives you free access to most of the premium golf courses in India. You will also get privileges like free golf lessons, and hole-in-one insurance, etc.

This indusind bank credit card offer is available at some of the selected golf courses including Ahmedabad, Bengaluru, Chennai, Delhi, Hyderabad, etc. You can book your free golf lessons from the Indusind bank golf portal. 

• Fuel surcharge waiver:

If you use this Indusind bank signature legend credit card to purchase fuel you can make up to Rs. 2,400 annual savings. The fuel surcharge waiver offer is available at most of the fuel stations in India. 

• Milestone benefit:

On spending Rs. 6,00,000 within a year from the date of your indusind bank credit card activation , you will get 4,000 bonus indusind rewards points.

You can check your total earned benefits from the indusind bank credit card online statement which you can download from the indusind bank credit card app.  

• Insurance coverage protection:

With this card, you will get complimentary travel and life insurance coverage. The details are given below. 

Particulars	Assured coverage amount.
Air accidental death coverage.	Rs. 25 lakh.
Loss of baggage.	Rs. 1,00,000
Delay of baggage.	Rs. 25,000
Missing passport.	Rs. 50,000
Loss o travel documents.	Rs. 25,000
Missed connection.	Rs. 25,000

• A multilingual concierge service:

Indusind ban offers you a 24X7 active concierge service with this card. You can get assistance from the concierge service team on flight/hotel booking, golf booking, gift delivery, etc. 

• Lost card liability coverage:

This credit card of indusind bank comes with lost card liability coverage protection. It minimizes your liability related to your lost/stolen card. To enjoy the benefits of the coverage, you just have to report the missing card to the Indusind bank credit card department within 48 hours. 

You can also temporarily disable your indusind signature legend credit card account from your net-banking account, or by calling the indusind bank credit card customer care number. 

• Auto-assistance service:

This indusind bank credit card offers a complementary auto-assistance service to make your road trips worry-free. You will get services like emergency fuel delivery, roadside car repair, flat tire service, etc. You can ask for assistance by calling the toll-free number – 1860-0267-7777.

• Convenient indusind bank credit card bill payment options:

You can make your indusind bank credit card payment through net banking account or by using any credit card payment app. if you don’t have access to the online indusind bank credit card payment options, you can pay your credit card bill offline via cheque, NEFT, or by visiting your nearby branch. You can find the indusind bank credit card ifsc code here.  

• Advanced contactless payment facility:

This indusind signature card is equipped with an advanced contactless payment facility. This feature allows you to make payments by waving your card at any secure reader machine. 

Due to security reasons, the contactless transaction feature is limited to Rs. 5000 per transaction. You can also set your own contactless transaction limit using your indusind bank credit card online banking account. 

IndusInd Bank Credit Card Charges :

Particulars	Payable amount
Cash Withdrawal Charge	2.5% against the withdrawn amount (min Rs. 300). Check your indusind bank credit card limit before making a withdrawal.
Finance Charges	The indusind bank credit card interest rate is 3.83% monthly or 46% annually.
Foreign currency conversion charge	3.5% against the transaction amount.
indusind legend credit card add-on card fee	Free for a lifetime.

IndusInd Bank Credit Card Contact Details:

• Call the indusind bank credit card contact number : 1860-0267-7777 / 022-4406-6666 or 022-4220-7777 (Premium Customers)
• Write to the indusind bank credit card complaints mail id: indulge.care@indusind.com 

100xGain Ratings:

8/10

 Final Opinion:

As said before it is one of the most premium credit cards from Indusind Bank. Like most other premium credit cards it packs some premium features like lounge access, golf benefit, insurance coverage protection, emergency roadside assistance service, and lots more. 

Although there are also some minor drawbacks like it does not offer anything on dining or hotel booking. This is not a deal-breaker though, since this card comes with zero annual fees. So, if you are looking for a low-cost premium credit card then the Indusind bank signature legend credit card will be a very good option for you.