The IndusInd Legend Credit Card is a lifetime free card with no joining or annual fee that offers a range of benefits and rewards to its users. Here’s a detailed review of the card, its features, benefits, and eligibility criteria.
Key Features
Lifetime Free Card: The IndusInd Legend Credit Card comes with no joining or annual fees.
Reward Points: Earn 2 reward points on every Rs 100 spent. Each reward point is equivalent to Rs 0.75. On weekdays, Rs 100 spent equals 1 reward point, while on weekends, Rs 100 spent equals 2 reward points.
Complimentary Lounge Access: The card offers 8 complimentary lounge accesses (both international and domestic).
Priority Pass Membership: Cardholders get a priority pass membership.
Forex Markup Charge: The card has the lowest forex markup charge in the market – 1.8%.
Bonus Reward Points: Earn 4,000 bonus reward points on spending Rs 6,00,000 or more within one year from the date of issue of your credit card.
Additional Benefits
BookMyShow Offer: The IndusInd Legend Credit Card offers a ‘Buy 1 Get 1 Free’ deal on BookMyShow, allowing cardholders to get up to 3 free tickets every month. This is a great perk for movie lovers.
Instant Discounts: Cardholders can enjoy instant discounts on popular food delivery platforms like Swiggy and EazyDinner, among other brands. This can lead to significant savings on your food orders.
Partner Discounts
Ajio: Get up to Rs 400 off on orders above Rs 2000.
PVR: Get Rs 100 off on purchase of food & beverage on orders above Rs 350.
Lifestyle: Get an additional 15% off on orders above Rs 1999.
EaseMyTrip: Get up to Rs 1000 off on flight & hotel bookings.
Eazydiner: Get a 15% discount (up to Rs 500) on orders above Rs 1500.
Fees & Charges
Lifetime Free Card: No joining or annual fees.
Annual Fee Waiver: Not applicable.
Eligibility Criteria
Monthly Income: Rs 80,000 for salaried individuals and Rs 1,00,000 for self-employed individuals.
Age group: 21-65 years.
Credit Score: 650+.
Payment History: No delayed payments in the last 12 months.
Existing Loans: Existing home or auto loan.
Existing Credit Card: Existing active credit card with a limit of more than Rs 50,000 of any bank.
Documents Needed
No physical documents are required. Keep your Aadhaar and PAN number handy.
Pros and Cons
Pros
No Joining or Annual Fees: This makes the card cost-effective.
Reward Points: The reward points system is quite generous, especially for weekend spends.
Partner Discounts: The card offers a range of discounts with various partners, which can lead to significant savings.
Cons
Eligibility Criteria: The income requirement might be high for some potential users.
In conclusion, the IndusInd Legend Credit Card is a good option for those who spend a lot and can take advantage of the reward points and partner discounts. However, it’s important to consider your spending habits and needs before deciding if this card is right for you.
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