IndusInd Bank Legend Credit Card vs IndusInd Bank Pinnacle Credit Card
Last Updated : April 17, 2025, 12:26 p.m.
In the realm of premium banking services, choosing the right credit card can significantly enhance your financial experience and lifestyle benefits. When examining IndusInd Bank's premium offerings, the IndusInd Bank Legend Credit Card and the IndusInd Bank Pinnacle Credit Card stand out as two distinct options catering to different customer segments and spending priorities. The Legend Credit Card positions itself as an accessible entry-level option with no joining fee and straightforward rewards on everyday spending, while the Pinnacle Credit Card represents IndusInd Bank's luxury tier, coming with a Rs. 14,999 joining fee and a suite of exclusive privileges designed for high-spenders and frequent travelers. This comparison will scrabble into the nuanced differences between these two cards, examining their lifestyle benefits, reward structures, and overall value proposition to help you decide which aligns better with your financial needs and spending patterns. After you determine which card to apply for, do a free CIBIL score check on Wishfin and know if you are able to fulfill the credit score requirements of the lender.
Features of the IndusInd Bank Pinnacle Credit Card and IndusInd Bank Legend Credit Card - A Detailed Comparison
Let us now compare the features of both the credit cards.
Fees
| Feature | IndusInd Legend Credit Card | IndusInd Pinnacle Credit Card |
|---|---|---|
Joining fee | Nil (Lifetime free) | Rs. 14,999 plus GST |
Annual fee | Nil | Nil |
Add on Card Fee | Free | Free |
Rewards Structure
| Feature | IndusInd Legend Credit Card | IndusInd Pinnacle Credit Card |
|---|---|---|
Weekday Spending | 1 reward point per Rs. 100 | 1 reward point per Rs. 100 (POS/MoTo/IVR) |
Weekend Spending | 2 reward points per Rs. 100 | Same as weekday structure |
E-commerce Transactions | Same as regular spending | 2.5 reward points per Rs. 100 |
Online Travel & Airlines | Same as regular spending | 1.5 reward points per Rs. 100 spent |
Medical, automobiles, and Telecom | 1 reward point per Rs. 100 | 1 reward point per Rs. 100 |
Utility Bill Payments | 0.70 reward points per Rs. 100 | 0.70 reward points per Rs. 100 |
Milestone Bonus | 3,000 reward points on spending Rs. 5 lakhs annually | None |
Reward Points Expiry | Never expire | Never expire |
Redemption Value
| Redemption Option | IndusInd Legend Credit Card | IndusInd Pinnacle Credit Card |
|---|---|---|
| Cash Credit | 1 RP = Re. 0.75 | 1 RP = Re. 0.5 |
| Airmiles Conversion | 1:1 ratio | 1:1 ratio |
| Pay with Points | Up to Rs. 0.75 per point | Up to Rs. 0.75 per point |
Travel Benefits
| Feature | IndusInd Legend Credit Card | IndusInd Pinnacle Credit Card |
|---|---|---|
Airport Lounge Access | Discontinued (as of March 7, 2025) | Priority Pass membership with 1 complimentary international lounge visit per quarter |
Domestic Lounge Access | None | 1 complimentary domestic lounge visit per quarter |
Forex Markup Fee | 1.8% | 3.5% |
Travel Insurance |
| Similar coverage as Legend card |
Air Accident Cover | Up to Rs. 25 lakhs | Up to Rs. 25 lakhs |
Lifestyle Benefits
| Feature | IndusInd Legend Credit Card | IndusInd Pinnacle Credit Card |
|---|---|---|
Movie Benefits | Buy 1 Get 1 movie ticket up to Rs. 200 once per month on BookMyShow | Buy 1 Get 1 movie ticket up to Rs. 200 thrice per month on BookMyShow |
FnB Discount | Rs. 50 off on FnB | Rs. 50 off on FnB |
Golf Benefits | None | 1 complimentary golf game and 1 lesson per month |
Welcome Gifts | Options include a Luxe Gift Card, Montblanc, PostCard Hotels & Vouchagram (select fee points only) | Choose from Luxe Gift Card, Oberoi Hotel voucher, Montblanc voucher, or shopping vouchers from premium brands |
Fuel Surcharge Waiver | 1% (Transactions between Rs. 500 - Rs. 3,000, capped at Rs. 100 per month) | 1% (Transactions between Rs. 500 to Rs. 4000 only, capped at Rs. 500 per month) |
Concierge Services
| Feature | IndusInd Legend Credit Card | IndusInd Pinnacle Credit Card |
|---|---|---|
Concierge Services | Personal assistance for flight bookings, hotel reservations, etc. | Premium concierge service for travel arrangements and lifestyle assistance |
Auto Assist | Available | Available |
Conclusion
IndusInd Bank Legend Credit Card is ideal for:
- Budget-conscious users looking for a lifetime free card
- Those who spend more on weekends
- International travelers (thanks to the lower forex markup fee of 1.8%)
- Users seeking solid rewards without paying a joining fee
IndusInd Bank Pinnacle Credit Card is better suited for:
- High spenders, especially on e-commerce platforms
- Frequent travelers who value lounge access
- Golf enthusiasts who want complimentary games and lessons
- Users who frequently book movie tickets (thrice per month benefit)
- Those seeking premium lifestyle benefits and concierge services
The Legend card offers excellent value as a lifetime free option, while the Pinnacle justifies its joining fee with premium benefits across travel, lifestyle, and entertainment categories.
Frequently Asked Questions (FAQs)
