IndusInd Bank Legend Credit Card
1 point/full ₹100 eligible weekday spend; 2 on weekends (not scored). Live cash conversion ₹0.50/point; one claim limited to 50% of balance. ₹5,000 joining, nil recurring fee.
Try your spend →How this estimate works
One Reward Point per full ₹100 eligible weekday purchase or two on weekends; the generic spend finder uses the conservative weekday rate because it does not ask which day the transaction occurs. The estimate repeats one entered ordinary purchase in each of 12 months. The bank’s live Legend cash-credit terms say ₹0.50 per point effective March 2024, superseding the older Legend benefit guide’s ₹0.75 cash claim. An April 2025 issuer update permits at most 50% of the entire points balance in one claim, alongside a 5,000-point monthly card cap. Cash redemption needs at least 500 points. The model makes just one annual cash-credit claim when half of modeled yearly points reaches 500, then deducts one ₹149+GST redemption fee. Unredeemed points are not counted as usable one-year cash. This conservative one-claim model can understate later redemption value. The current bank MITC lists ₹5,000 joining and nil recurring annual card fee: rankings deduct no recurring card fee but omit the substantial first-year joining charge. Fuel, utilities and special merchant/payment routes are not scored without dependable chip-specific treatment. Weekend acceleration, milestone and ancillary perks are omitted. Card points remain live while the account is open; conversion, eligibility and fees can change.
Issuer terms
Legend product and earn rate · Current ₹0.50 cash conversion and monthly cap · April 2025 50%-balance and claim-fee update · 500-point minimum · Current joining and annual fees · Older ₹0.75 guide (superseded for cash)
Terms checked 30 September 2026. First-year joining cost is outside the year-two ranking.