IndusInd Bank · Premium · lifetime free
IndusInd Legend
Earns IndusInd Rewards (Legend & most cards)
Where it ranks across all 187 cards
#88 Movies & events
1.0%
direct
#88 Fashion
1.0%
direct
#89 Online shopping
1.0%
direct
#91 Groceries
1.0%
direct
#95 Dining out
1.0%
direct
#40 Wallet load
0.5%
direct
#46 EMI
0.5%
direct
#89 Jewellery & watches
0.5%
direct
#94 Gaming
0.5%
direct
#104 Mobile / broadband
0.5%
direct
#113 Train tickets
0.5%
direct
#119 Cabs & transit
0.5%
direct
#125 Health & pharmacy
0.5%
direct
#128 Other
0.5%
direct
#129 Electronics
0.5%
direct
#131 Flights
0.5%
direct
#131 Hotels
0.5%
direct
#136 Food delivery
0.5%
direct
#70 Insurance
0.4%
direct
#79 Education
0.4%
direct
#81 Utility bills
0.4%
direct
7 Mar 2025
Lounge access discontinued entirely.
Get an email if this card changes - sign in.
₹0.40/RP cash credit (bank page); 4:1 KrisFlyer transfer for premium redemptions
Points valued at ₹0.5/pt - conservative, what rankings use · transfers reach up to ₹0.63/pt via Singapore Airlines KrisFlyer at 4:1
Reward rules3 direct
Base rate - everything not covered below
0.50%base rate
1 pt / ₹100
source
Source: IndusInd Legend (indusind.bank.in) - indusind.bank.in - read 20 Aug 2026
0.7 pt / ₹100 on utilities, insurance, govt, education & rent
0.35%this rule
0.7 pts / ₹100
source
Source: IndusInd rewards program revision (bank site) - indusind.bank.in - read 22 Aug 2026
2 pts / ₹100 on weekend spends (Sat-Sun)
1.00%this rule
2 pts / ₹100
how it works & source
Doubler applies to any category on Sat/Sun by transaction date, not just these. Medical, automobile & telecom stay at 1 pt/₹100 all week.
Source: IndusInd Legend (indusind.bank.in) - indusind.bank.in - read 20 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
What 10,000 points become. The low end of each range ranks; the high end is display only.
Singapore Airlines KrisFlyer
4:1 ratio · Redeem via IndusMoments; cash credit alternative is ₹0.40/RP.
2,500 ptsworth ₹2,000-₹6,250
Air India Maharaja Club
4:1 ratio · Ratio published on the Air India Maharaja Club partner page. Credited in 2-4 working days; irreversible, own account only.
2,500 ptsworth ₹1,500-₹4,500
4 RP = 1 mile. Transfer only beats the ₹0.40/RP cash credit if you value the mile above ₹1.6 - i.e. premium-cabin redemptions.
Earns nothing on1 exclusion
Fuel
earns nothing
Fuel transactions accrue no reward points since 1 Apr 2018 (bank T&C).
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5983, 5172, 5542, 5541
Source: IndusInd fuel surcharge T&C (bank site): fuel earns no rewards since 1 Apr 2018 - indusind.bank.in - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.