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IndusInd Bank
Lifetime free with a 1.8% foreign currency markup, and double points at weekends
One-time
Zero renewal fee
Uncapped rewards
Score 700+
Applying takes you to IndusInd Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
1 reward rate with their caps, taken from IndusInd Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 10 Oct 2026.
See where each figure came fromEverything else
No published ceiling on this tier
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
2% on Everything else — Weekend transactions. Weekday transactions earn 1 Reward Point per Rs. 100., with no stated cap.
Biggest limitation
Airport lounge access was discontinued on this card with effect from 7 March 2025, and older reviews still list it as a benefit.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
2 pts
uncappedEverything else
Weekend transactions. Weekday transactions earn 1 Reward Point per Rs. 100.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | Nil | — |
| Annual / renewal fee | Lifetime free | The card carries no annual fee, so there is no waiver to earn. |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Late payment | Nil up to Rs. 100 outstanding, Rs. 100 from Rs. 101 to Rs. 500, Rs. 350 from Rs. 501 to Rs. 1,000, Rs. 550 from Rs. 1,001 to Rs. 10,000, and Rs. 700 above Rs. 10,000 | — |
| Foreign currency markup | 1.8% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
No fee, ever
the rewards simply continue
This card carries no airport lounge access.
No fuel surcharge waiver is published for this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
1
spend threshold you can reach again each year
No welcome benefit is recorded.
Spend ₹1 a year — about ₹0 a month
4,000 bonus Reward Points on spending Rs. 6,00,000 within a year of card issue
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
IndusInd BankIndusInd Bank Jio-bp Mobility+ Credit CardSee fees
IndusInd BankIndusInd Bank Tiger Credit CardLifetime free
IndusInd BankIndusInd Bank Nexxt Credit CardSee fees
IndusInd BankIndusInd Bank Pinnacle Credit Card₹5,000Suryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IndusInd Bank Legend Credit Card · this card | Lifetime free | 2% everything else | No |
| IndusInd Bank ePay American Express Credit Card | Lifetime free | Up to 5% cashback | No |
| IndusInd Bank Jio-bp Mobility+ Credit Card | ₹0 | Up to 12 reward points per ₹100 | No |
| IndusInd Bank Tiger Credit Card | Lifetime free | Up to 2.4% rewards | Included |
| IndusInd Bank Nexxt Credit Card | ₹0 | Up to 1 reward points per ₹150 | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
It is a lifetime-free card — there is no annual fee.
The strongest published rate is 2% on everything else, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
IndusInd Bank publishes about ₹20,000 a month for salaried applicants, and it is usually issued above a 700 credit score. Meeting the criteria is not an approval — the issuer decides.
Redeemed as cash credit against the card balance at Rs. 0.75 a Reward Point
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Yes. IndusInd publishes no joining fee and no annual fee on this card, with no spend condition attached. That makes it one of a small number of genuinely lifetime free cards in our catalogue, and the only one of those that also carries a discounted foreign currency markup.
1.8%, against the 3.5% that IndusInd charges on its other cards and that is standard across the Indian market. On Rs. 1,00,000 spent abroad that is about Rs. 2,000 less once GST is added — on a card that costs nothing to hold, which is what makes it worth keeping purely for travel.
Weekday spending earns 1 Reward Point per Rs. 100 and weekend spending earns 2. At the published Rs. 0.75 a point that is 0.75% and 1.5%. The rate is decided by the transaction date, so a large purchase moved to a Saturday earns double — which is the one lever this card gives you.
No. IndusInd discontinued airport lounge access on the Legend with effect from 7 March 2025. Several reviews still list it, so it is worth checking the bank's own current terms. If lounge access is what you want from IndusInd, the Pinnacle and the Tiger both still carry it.
An Indian citizen, salaried or self-employed, aged at least 21 and not more than 65, with a good credit score and a minimum income of Rs. 20,000 a month. That income bar is among the lowest in our catalogue, which makes a lifetime free card with a 1.8% markup unusually reachable.
3.83% a month, which IndusInd states as 46% a year, applied initially. The bank is explicit that it may change the rate at its own discretion based on credit history, spending pattern, payment behaviour and how long you have held the card — so the rate you are offered is not necessarily the rate you keep.
Two numbers decide this card. It costs nothing to hold, ever, and its foreign currency markup is 1.8% rather than the 3.5% that almost every Indian credit card charges. Nothing else in our catalogue puts those two facts on the same card — the other low-markup cards here charge between Rs. 1,180 and Rs. 14,750 a year for the privilege.
On Rs. 1,00,000 of spending abroad the markup difference is about Rs. 2,000 once GST is added. For somebody who travels once or twice a year that alone is worth more than most entry cards return in rewards, and it costs nothing to keep the card in a drawer between trips.
Weekday spending earns 1 Reward Point per Rs. 100 and weekend spending earns 2. IndusInd publishes the point value at Rs. 0.75 in cash credit, so those rates are 0.75% and 1.5% — which means the card is worth using deliberately rather than by default.
The rate is set by the transaction date, not by what you bought. A large planned purchase made on a Saturday earns double what the same purchase earns on a Tuesday, and on a card with no fee that is the whole of the optimisation available.
IndusInd discontinued airport lounge access on the Legend with effect from 7 March 2025. The bank publishes the change on its own important-updates page, but a great many third-party reviews and comparison tables still list the benefit.
If lounge access is the reason you are looking at IndusInd, the Pinnacle and the Tiger both still carry it — the Tiger with two domestic visits a quarter and two international a year, and the Pinnacle with one international visit a quarter through Priority Pass since 13 March 2025.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
IndusInd Bank Legend Credit Card — 2% on everything else. No annual fee.