What is IndusInd Bank Legend Credit Card?

Legend is a new-generation credit card from IndusInd Bank that allows users to make faster payments at merchant locations accepting contactless payments. It can also be used for online shopping and transactions, and at ATMs.

What is contactless payment?

The contactless payment feature allows customers to make safe and secure payments with a simple tap of the card on the PoS (Point of Sale) machines at compatible merchant outlets. These NFC-enabled terminals transmit payment details and authenticate transactions without the need for swiping the card.

Where can I use my IndusInd Bank Legend Credit Card?

Your IndusInd Bank Legend Credit Card can be used at any merchant outlet that has a contactless payment PoS machine. If the PoS machine has a contactless symbol displayed on it, it can process contactless payments. In case such a machine is not available, the contactless card can still be used for swipe or dip transactions.

How do I use my IndusInd Bank Legend Credit Card?

You can use your card at a retailer displaying the contactless symbol and the Visa/Mastercard logo at the PoS. Hold your card within 4 cm of the secure contactless reader until four green lights appear. This should not take more than half a second. You can then remove your card and the transaction will be successfully completed.

How close to the reader does the card need to be?

You should hold your contactless card within 4 cm of the card reader.

Is there a limit on the value of goods you can purchase with a contactless credit card?

You can use your card to pay using the Contactless feature for any amount within the overall daily transaction limit of ₹ 5,000. Please note, the daily transaction limit for Contactless purchase is decided by the RBI and may change from time-to-time.

Will I receive a charge slip for the transactions I make?

Contactless payment is designed to make your transactions swift and convenient. The retailer will ask if you require a charge slip. Please advise the retailer accordingly.

How do I know when a payment has been made?

A successful transaction is confirmed by the illumination of four green indicator lights and a display message on the PoS machine.

Could I unknowingly have made a purchase if I walk past the reader?

No, you cannot unknowingly make any purchase on your card. Your card has to be tapped within 4 cm of the card reader for more than half a second and the retailer has to first enter the amount for you to approve. Terminals can only process one payment transaction at a time, thereby reducing transaction errors.

What are the features of the IndusInd Bank Legend Credit Card?

IndusInd Bank Legend Credit Card is a multipurpose international credit card that offers a wide range of features and can be used for: Faster day-to-day payments at merchant locations accepting contactless payments. PoS shopping at 10,00,000 merchant outlets in India and over 30 million outlets worldwide that accept card payments.

Credit Cards

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IndusInd Legend Credit Card

Flat 4% rewards for consistent high spenders

Annual fee₹0

Rewards1.00%1 Reward Point per ₹100

Forex markup1.5%1.8% discounted foreign currency mark-up fee on your international transactions

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Welcome benefits

Choice of welcome gifts including Montblanc products, Post Card hotel collection, Vouchagram vouchers, or Vouchagram Premium vouchers

Type: Choice
Partner: Montblanc, Post Card, Vouchagram

Rewards

Base earn rate

₹ 100 spent = 1 reward point on weekdays

Excludes: Fuel, Medical, Automobiles, Telecom

Category	Rate	Cap
Weekend	2 Reward Point/₹100	—
Medical	1 Reward Point/₹100	—
Automobiles	1 Reward Point/₹100	—
Telecom	1 Reward Point/₹100	—

• Redemption fee: ₹100

Milestone benefits

A special bonus offer awaits you. Earn 3,000 bonus reward points on spends of ₹ 5,00,000* or above within one year from the date of credit card issue.

Lounge access

International

Priority Pass

—complimentary visits

Fees & charges

Joining fee: ₹5,000
Annual / renewal fee: ₹0
Interest rate: 3.95% per month (47.4% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹300
Overlimit fee: 2.5%, min ₹500
Payment dishonour: ₹250
Forex markup: 1.8% discounted foreign currency mark-up fee on your international transactions
DCC markup: 1%
Reward redemption: ₹100 per redemption
Fuel surcharge: 1% waiver

View official MITC →

Insurance covers

Fraud liability

Total Protect covers you for the following: Unauthorised transactions in case of loss/theft of card: We provide an insurance cover up to 48 hours prior to you reporting the loss of your card. Counterfeit fraud: There is a possibility of your card or card details to be stolen and misused to produce counterfeit cards. We offer you insurance to protect you against such incidents.

Travel insurance

₹1L

Baggage loss

₹1L

Eligibility

Salaried: minimum ₹25,000/month income. Self-employed: ₹6,00,000/year ITR. Age 21–65. CIBIL 700+.

Features

✓ Contactless✓ Chip & PIN✓ International usage✓ Concierge service

Additional features

Auto Assist - Roadside repair service, emergency fuel supply, flat tyre service, lost keys, battery service, emergency towing assistance, accident management and medical assistance (available in Mumbai, Delhi, Bangalore, Pune, Chennai, and Kolkata)

No rewards on

Fuel