IndusInd Bank Legend

IndusInd Bank

IndusInd Bank Legend is one of the most rewarding credit cards in India for everyday spending, offering the highest dining reward rate in the industry at 2.5% and an excellent 2% on grocery spends. Designed for Indian families and food enthusiasts who spend significantly on dining out, food delivery, and household groceries, the card delivers exceptional value across the two largest recurring expense categories for urban households. The 2.5% reward rate on dining and food delivery (Swiggy, Zomato, and restaurant spends) is unmatched in the Indian credit card market. For an urban family spending ₹10,000 per month on dining and food delivery, this translates to ₹250 per month or ₹3,000 per year in reward points — 1.5x the annual fee just from dining rewards. The 2% reward rate on grocery and supermarket spends addresses the largest recurring monthly expense for most Indian households. At ₹15,000 per month on groceries, the 2% reward translates to ₹300 per month or ₹3,600 per year in points. Combined, dining and grocery rewards of ₹6,600 per year far exceed the ₹2,000 annual fee. Six complimentary domestic airport lounge visits per year through the Visa Lounge Access program provide meaningful travel benefits, while the 2 international lounge visits are useful for occasional overseas trips. The Buy 1 Get 1 movie ticket offer on Paytm Movies adds entertainment value throughout the year. The card requires a minimum annual income of ₹6 lakhs and is available to individuals aged 21-60 years. The ₹3 lakhs annual spending threshold for annual fee reversal is approximately ₹25,000 per month — achievable for most working professionals. Source: IndusInd Bank official website, updated May 2026.