The Legend Credit Card by IndusInd Bank is among the top premium contactless credit cards offered by the bank. It is curated for customers to provide them with best-in-class luxury features and benefits across various categories such as lifestyle, dining, rewards, and travel. The Legend Credit Card comes with a joining fee of Rs.9,999 and an interest rate of 3.83%.
|Concierge Benefits||With the card, avail concierge benefits of a team dedicated to book travel, hotel reservations, movie tickets, etc.|
|Insurance Benefits||Total Protect Cover available with the card offering a cover equivalent to the credit card limit.|
|Auto Assist Benefits||
The limit of the IndusInd Bank Legend Credit Card is given at the discretion of the bank. The IndusInd Bank will be considering a number of factors before assigning the credit limit for the card. Some of these factors are the annual income of the primary applicant, the credit score, and the repayment habits of previous debts.
|Type of Charge||Fee|
|Add-on card fee||Nil|
|Finance charges||3.83% monthly (46% per annum)|
|Late payment fees||
Outstanding balance up to Rs.100 - Nil
From Rs.101 to Rs.500 - Rs.100
From Rs.501 to Rs.1,000 - Rs.350
From Rs.1,001 to Rs.10,000 - Rs.550
Above Rs.10,000 - Rs.700
|Over limit charges||2.5% of Over Limit Amount subject to a minimum of Rs.500|
|Cash advance charges||2.5% of the advance amount subject to a minimum of Rs.300.|
|Balance Enquiry charge||Rs.25|
|Foreign Currency mark-up||1.8%|
|Nationality||You must be a citizen of India or a non-resident Indian.|
|Employment status||You should be salaried or self-employed having a steady source of income.|
|Age||You must be at least 18 years old. For some banks, the minimum age to apply for a credit card can be 21 years.|
|Income||IndusInd Bank will require you to meet their minimum income requirement before the card application is approved.|
|Credit Score||A good CIBIL score, with no history of default is very important in making sure that the application is approved.|
|Identity Proof||Proof of Address||Income Proof|
|Voter ID||Ration Card||IT Returns|
|Aadhaar Card||Aadhaar Card||Salary Slips|
|Driving License||Passport||Form 16|
The above-mentioned list of documents is indicative. The bank can ask you to furnish additional documents during the process of application if and when required.
You can do so by logging in to your IndusInd credit card net banking account and selecting the option of ‘cards’. Select your credit card and click on the option of ‘Generate Statement’. You can get an overall statement or for specific dates as well.
The interest-free period for the Legend Credit Card is up to 50 days. However, the interest-free period will not be given if the total amount due is not paid.
Yes, while the foreign currency mark-up for other IndusInd Bank credit cards is at 3.5%, for the IndusInd Bank Legend Credit Card, the mark-up is at 1.8%.
No, the Legend Credit Card comes with a one-time joining fee of Rs.9,999 and will not carry any annual fees.
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