Legend

IndusInd Bank Legend Credit Card

Benefit Guide
A L E G E N DA RY
LIFESTYLE
D E S E RV E S
L E G E N DA RY
T R E AT M E N T
We are proud to present the IndusInd Bank Legend Credit Card that brings with it
the exclusive payWave feature allowing you to pay for your purchases by just
tapping on the merchant terminal in addition to the best-in-class privileges in
travel, dining and lifestyle.

Please go through this benefit guide for a comprehensive update on the usage and
various benefits of your card. We thank you for selecting the IndusInd Bank Legend
Credit Card and hope that you truly enjoy the experience.
LEGEND
R E WA R D S
For someone who constantly strategizes signature moves. Whose life is an odyssey
of achievements and accomplishments. In the life of such legends, there comes a
time when they must allow themselves a few moments of luxury and indulgence.
Here’s presenting you with a Rewards Program on your IndusInd Bank Legend
Credit Card that you truly deserve. It is designed exclusively to cater to your refined
tastes, for you to enjoy the power and freedom of maximum flexibility and no
limitation.

SAVE WHILE YOU SPEND

STEP 1 I SPEND STEP 2 I EARN STEP 3 I CALL
Pay with your Get Reward Points for Dial our customer service
IndusInd Bank Legend every ` 100 spent. number to redeem your
Credit Card accumulated Reward
for purchases. Points by crediting them in
your Credit Card accounts.

Gain with every purchase you make, across all outlets.

You can avail reward points as following:

Get 1 reward point for every `100 spent on Weekdays
Get 2 reward points for every `100 spent on Weekends
REDEMPTION
O F R E WA R D S
We understand your need for choice and have tailored our redemption options to
provide you with:

• Cash credit in the ratio of 1 Reward Point = 1 of cash value

• Airline miles on partner airlines in the ratio of 1 Reward Point = 1 airline mile.
• Online Shopping portal
• Gift Vouchers and many more.

Please visit
www.indusind.com/in/en/personal/cards/credit-card/legend-credit-card.html#
for more details
LEGEND
T R AV E L
Travelling around the globe might be your passion or an absolute necessity. We make sure
that you are treated with legendary style and care.

While travelling across the country for business or pleasure, comfort and convenience
comes first. We, at IndusInd Bank, recognise this and make sure that as an IndusInd Bank
Legend Credit Card customer you get all this and more. We make travelling a pleasure for
esteemed customers like you.

With the IndusInd Bank Legend Credit Card, you can enjoy great offers on our
partner airlines.

Please visit
www.indusind.com/in/en/personal/cards/credit-card/legend-credit-card.html# for details.

With the IndusInd Bank Legend Credit Card, you can solve your travel related queries
simply by making one call.

IndusInd Bank, in association with our travel partner, is a one stop destination for:

Flight Booking Hotel Reservations Visa Services Foreign Exchange Insurance

Please call the Concierge Desk at 1860 267 7777 to avail these services.

Conditions apply. For further details, please refer to the Terms & Conditions section of this
booklet.
 LEGEND
A S S I S TA N C E

Being one among the privileged, you hold the tag of being among the INDUSIND BANK LEGEND CONCIERGE EDGE SERVICE OFFERS:
chosen few. At every step, we provide you impeccable service to Pre-trip Assistance
acknowledge the prestige and recognition that you deserve. No more pre-trip worries. Collect all the information you need to know
before you go. The concierge will provide you with all the information
Welcome to the world of IndusInd Bank Legend Personnel where your about your travel destination, like the weather, important landmarks,
personal preferences take precedence. modes of transport, etc.

24-Hour Signature Concierge Service Reservation

From making reservations in London and reserving seats for a Broadway Let the concierge handle your reservations. The concierge shall make all
show in New York to tracking down that unique gift for someone special, the arrangements in the finest hotels across the world to ensure you
a team of global experts will make sure that your needs are well taken have a pleasurable and comfortable stay.
care of. We will ensure that your desire is fulfilled.
Flight Booking With your IndusInd Bank Legend Credit Card, you can now call for
The concierge will make all the necessary flight arrangements to help help 24-Hours, all 365 days.
you get to your desired destination.
• Roadside repair - Be it mechanical or electrical, your vehicle’s fault
Personnel Sports and Entertainment Booking can now be fixed.
Whether it’s the FIFA finals or strawberry and cream at the • Emergency fuel supply - Get fuel at your stranded location.
Wimbledon, the concierge will make sure you don't miss out on your
• Flat tyre services
favourite sporting or any other event.
• Keys locked inside - No more getting locked out and stranded all
Personnel Exclusive Booking alone, on a lonely road. IndusInd Bank Auto Assist provides you
The concierge shall assist you with information on special events like with immediate help.
workshops and talks by eminent personalities. If requested by you
• Battery service - Replace your battery, anywhere, anytime.
and whenever possible, the concierge will also make reservations on
your behalf. • Emergency towing assistance - Arrange for your car to be towed
to your preferred workshop.
Personnel Flower and Gift
• Accident Management & Medical Assistance - Be safe and
Need help arranging that special gift or want to send flowers to that
worry-free, wherever you go.
special someone? Leave it to the concierge. Now, you can have a gift
delivered to anyone, anywhere in the world. So whatever it is, Swiss
For further details, please call the Concierge Desk at 1860 267 7777.
watches or French wine, the concierge ensures your loved ones have
Auto assist services are available in Mumbai, Delhi, Bangalore, Pune,
it delivered to them.
Chennai and Kolkata.
Legend Auto Assist
When on the road, there could be thousand things that could Conditions apply. For further details, please refer to the Terms &
interrupt your journey. An unwanted flat tyre, an unforeseen vehicle Conditions section of this booklet.
breakdown or any other emergency can now be tackled with Legend
Auto Assist.
LEGEND
ORGANISER
We can help propel your business further towards success. IndusInd Bank Legend
Credit Card provides you with a 360 degree approach to your finances.
ADD-ON CARD FOR BUSINESS EXPENSES

IndusInd Bank offers you twice the power of a regular card. Track your business
expenses separately and have a record segregating your business and personal
expenses.

You can now apply for an additional card for your business expenses and your
statement will show these expenses separately.

For your additional card, please call the 24-Hour Phone Banking Number at 1860 267 7777.

YEAR-END SUMMARY OF ACCOUNTS

We ensure that a record of your expenses is maintained. Your card provides you with a
year-end summary to give you an overview of your card spendings for a financial year.

Once you view your summary, you can use this benefit to help simplify your budgeting
and tax preparation. Your online year-end summary contains your transactions for the
financial year and an analysis of your spends by Month, Merchant Name, Charge
Amounts, Merchant Category, your own charges and the charges for your business
card or additional cards.
EXCLUSIVE
LEGEND
OFFERS
IndusInd Bank in association with Visa Network gives you a reason to celebrate each
day with special offers on your IndusInd Bank Legend Credit Card. Indulge yourself with
the comprehensive travel, dining and entertainment program. Get great offers and
discounts when you travel to your dream destination, dine at an exclusive restaurant
with that special someone or simply catch up with your buddies for a movie.

Whatever you do, experience the best!

Please visit
www.indusind.com/in/en/personal/cards/credit-card/legend-credit-card.html# for details.

Conditions apply. For further details, please refer to the Terms & Conditions section of
this booklet.
LEGEND
PRIVILEGES
LEGEND FUEL SURCHARGE
With your IndusInd Bank Legend Credit Card, you get a waiver of 1% surcharge at any
petrol pump across India. Waiver is applicable on transaction amount of INR 400 -
INR 4000.

LEGEND GOLF LESSONS AND GAMES

Polish your golf skills with monthly offers
Golf Games - 1 / month
Golf Lessons - 1 / month
T&C apply

LEGEND MOVIES AND ENTERTAINMENT

Get 3 BookMyShow movie tickets per month worth `200 ('First come first serve' and
'Buy one get one' available)

Get 4 Sathyam Cinemas movie tickets per month worth `120 ('First come first serve' and
'Buy one get one' available)

Conditions apply. For further details, please refer to the Terms & Conditions section of
this booklet.
LEGEND
ASSURANCE
Unforeseen events often take you by surprise. When in an emergency, allow us to help you.
With the IndusInd Bank Legend Credit Card, you can leave your worries about fraudulent
usage of your Credit Card aside.

‘Total Protect’ is the first-of-its-kind security program that covers you from unauthorised
transactions on your IndusInd Bank Legend Credit Card at merchant establishments. ‘Total
Protect’ covers you for a sum up to the credit limit on your Credit Card and is available on
add-on cards as well. ‘Total Protect’ covers the following:

UNAUTHORISED TRANSACTIONS IN CASE OF LOSS / THEFT OF CARD

We provide an insurance cover up to 48 hours prior to you reporting the loss of your
card to IndusInd Bank.

COUNTERFEIT FRAUD
It is possible that your card or card details are stolen and used unscrupulously by producing
counterfeit plastic. The IndusInd Bank Legend Credit Card offers you insurance to
protect yourself against such incidents.

With the IndusInd Bank Legend Credit Card, you also get a complimentary Personal
Air Accident insurance cover of up to `25 lakhs.

With IndusInd Bank around to lend you a helping hand, you have very little to worry about.

Please refer to the Terms & Conditions of the applicable insurance policy or
visit www.indusind.com/in/en/personal/cards/credit-card/legend-credit-card.html#
Frequently Asked Questions (FAQs)
Why do I take the IndusInd Bank Legend Credit Card when I ` 1,50,000 assigned to your credit card. You also get Personal
already have a Signature card that is free for life? Air Accident insurance of ` 25 lakhs with your IndusInd Bank
Legend Credit Card.
Privileges are abundant when it comes to the IndusInd Bank
Legend Credit Card. The IndusInd Bank Legend Credit Card is LEGEND TRAVEL
exclusive and comes loaded with benefits that no other card offers. How do I avail the offers under the Legend Travel Program?
• Your reward points on the IndusInd Bank Legend Credit Card To avail the exclusive offers under the Legend Travel program,
are unique. You can redeem these points for various exciting all you need to do is call the IndusInd Bank concierge on 1860
options. 267 7777 and provide them with the requisite details of your
desired itinerary. To avail the offer, the payment would
• You also get access to 700+ international airport lounges necessarily need to be made with the IndusInd Bank Legend
through the standard membership of the Priority Pass program. Credit Card.
A lounge usage fee of USD 27 per person per visit would be
applicable each time you visit a Priority Pass Lounge and will be What kind of travel services are provided by IndusInd Bank
charged to your IndusInd Bank Legend Credit Card. under the Legend Travel program?
• You get India’s first auto assist service and international Legend The travel desk at IndusInd Bank is operated by a travel agent and
concierge service that provides you with travel assistance and will provide all services provided by travel agents as per practice.
concierge assistance, 24-hours a day. Over and above these services, the travel desk will also provide
• With the IndusInd Bank Legend Credit Card, in addition to 5 cardholders with exclusive deals applicable only for IndusInd Bank
add-on cards, you also get an additional card for business Legend Credit Cardholders. The services provided by the travel
expenses which will help you track your expenses for business agent are as under
separate from personal expenses and will help you for tax and • Flight bookings
audit purposes. • Hotel reservations
• As an esteemed IndusInd Bank Credit Card holder, you also get • Airport transfers
a year-end summary of accounts giving you a snapshot of your • Visa services
spends month wise, merchant category details, spends on your • Foreign exchange
add-on cards, etc.
• Insurance
• With the IndusInd Bank Legend Credit Card, you get ‘Total
Protect’ which is a first-of-its-kind security program that covers How do I avail the travel services provided by IndusInd Bank?
you for unauthorised transactions in case of loss/ theft of your
card and counterfeit fraud for a sum up to the credit limit of It’s simple. All you need to do to is call the Concierge on 1860 267
7777 and we will be happy to answer all your queries.
 REWARDS PROGRAM CONCIERGE SERVICES

What is the Rewards program on the IndusInd Bank Legend What are the advantages of the Concierge Services?
Credit Card?
The concierge service provides you with 24-hour assistance, all
The Rewards program is a unique program specially designed to year through. IndusInd Bank uses the concierge service provider for
cater to the lifestyle of discerning customers like you. Savings providing concierge services to IndusInd Bank Legend
Points are reward points that you earn when you use the IndusInd cardholders.
Bank Legend Credit Card. The value of each Saving Point is ` 0.75
To avail the IndusInd Bank concierge service, you need to call a
when you redeem them against the outstanding in your account.
local number. The service can be thought of as your personal
How different is this from cash back promotions offered by assistant, a friend, who you can call for any request either for
other banks? organising birthday parties, finding a rare gift for that special
someone or even during an emergency.
The difference is that these Reward Points are valid across the year.
For example, if you need information about a country, Visa
There are no promotional periods or duration within which you have
procedures, or you want hotel bookings, restaurant reservations,
to avail the offer. This is a permanent feature on the IndusInd Bank
tickets for the Wimbledon or you want to send a special gift to your
Legend Credit Card.
child in any part of the world, you can call the IndusInd Bank
Concierge Service.
When do my Reward Points expire?
The Concierge shall be at your service 24 hours a day.
All Reward Points earned are live till the IndusInd Bank Legend
Credit Card account is live. What number do I call for the concierge service?
You can call the concierge services at our Concierge on 1860 267 7777
What is the maximum number of Reward Points I can earn in a
year? What are the various services that I can avail from the concierge?

There is no cap on the Reward Points that a cardholder can earn. You can avail of the following services from the concierge desk:
Your earning is limited by your spend. So go ahead and spend Pre-trip Assistance: With this service you can get information
more on your IndusInd Bank Legend Credit Card and earn Reward about any destination in India or abroad - information like the
Points which you can redeem against various exciting options. weather, important landmarks, modes of transport, etc. You can
plan your trip easily with this information.
Is there a cap to redeem my Reward Points?
Hotel Bookings: If you need to make a booking at any hotel across
There is a cap to redeem your Reward Points in each billing cycle. the world, you can call the concierge desk and the concierge desk
However, IndusInd Bank reserves the right to change the shall take care of the bookings.
redemption cap for every billing cycle at its discretion. Visit
www.indusind.com for updated details. Flight Bookings: Your flight bookings whether in India or abroad
can be handled by the concierge desk. The concierge will book the
tickets and deliver them to you at your doorstep.
For the IndusInd Bank International Travel offers, call the concierge AUTO ASSIST
desk and the tickets will be charged on your card and delivered to
you at your doorstep. What services do I get in the Auto Assist service?

Car Rental & Limousine Service: If you want to rent a car while Auto Assist provides you with the following services:
travelling in India or abroad, all you will need to do is call the Roadside Repair Service: In the event that your vehicle breaks
concierge and the rental shall be arranged for you. down on the road due to any mechanical/electrical fault, Auto Assist
will help in arranging for the mechanic for repair of your vehicle at
Sports and Entertainment Bookings: Restaurant Reservations: the vehicle’s breakdown location.
If you want to arrange a reservation at your favourite restaurant, just
call the concierge desk and they will arrange it for you. Emergency Fuel Supply: If your vehicle gets stranded on the road
due to lack of fuel, the Auto Assist shall arrange to deliver the fuel
Event Bookings: You can call the concierge desk for arranging for (up to 5 litres) to the location where your vehicle is stranded.
tickets to any special talks or events across the world.
Flat Tyre Services: In case of a flat tyre the Auto Assist Service
Flower and Gift Delivery: With the concierge, you can arrange to shall arrange for a mechanic to come and repair the flat tyre.
send flowers or any special gift to anyone across the world. You can
ask the concierge for the rarest of things and they will be arranged Keys Locked Inside: In case of car keys getting locked inside the
and delivered to any place that you wish. car or keys getting misplaced, we can even arrange for a locksmith
to come and either prepare a new car key or open your car for you
Will I be charged extra for using the concierge? at the time of need.
You will not be charged for using the concierge service. You
will only be charged for the actual cost of the services, e.g. Battery Service: In case the battery is dead and not functioning,
cost of the ticket if you book tickets and any delivery charges the Auto Assist shall arrange for a service provider to come for
that are applicble. battery repair at the vehicle’s breakdown location.

Can I get whichever gift that I want to get delivered? Emergency Towing Assistance: In case of a breakdown where
You can ask for the rarest of gift for your loved ones through the car needs to be towed, the Auto Assist service shall arrange for
the concierge. The concierge will search for the gift that you a towing service for taking your car to the appropriate repair shop.
have asked for across the world. However, they cannot guaran-
tee that it would be available. The service is on a best effort
basis and they would try their best to ensure that what you ask
for is fulfilled.
Accident Management and Medical Assistance Is this card free?
In the unfortunate event of an accident or emergency, the Auto Yes, the card comes complimentary for you.
Assist will assist you by co-ordinating necessary activities
Do I get a separate statement for this card?
including: emergency message transmission, arranging for
emergency medical assistance, towing of vehicles.
No, you do not get a separate statement for this card. However,
your statement will show the expenses on this card in a separate
Do I need to pay when I use the Auto Assist?
section. This can help you to submit your statement for business
expense management without having to segregate these
You do not need to pay for arrangement of the mechanic, however
transactions manually. As you receive the same statement, you can
all expenses including labour charges or any repair charges need
make one payment for all your expenses.
to be paid to the mechanic.
How will I differentiate this card from my main card?
How long does it normally take for the mechanic to come to me
in the time of emergency? Your additional card will contain an embossing – ‘Business’. Hence
you will know which card to use.
The Auto Assist service is on a best efforts basis and the time would
depend on the location of the vehicle. However, normally it would YEAR-END SUMMARY OF ACCOUNTS
take about 30 to 45 minutes to reach you within city limits and about
1 to 1.5 hours to reach you outside city limits, in case of emergency. There is something you have mentioned about “Year-end
summary of accounts”. What do you mean?
What number do I call if I want to use the Auto Assist service?
At the end of the financial year, your expenses for the financial year
To avail the Auto Assist service, you need to call the Concierge on will be sent to you.
1860 267 7777.
IndusInd Bank will send you an analysis of all your expenses
In which cities is the Auto Assist service available?
• Month Wise
The Auto Assist service is available in Delhi, Mumbai, Kolkata,
Chennai, Bangalore and Pune. • Merchant Category Details
ADDITIONAL CARD FOR BUSINESS EXPENSES • Your Business and Personal Cards and

You said that I get an additional card for business expenses. • Your Add-on Cards
What do you mean? This analysis can help you in your taxation and budgeting for the
IndusInd Bank offers you an additional card that shall be in your next year.
own name to be used for business expenses.
Will I automatically get this summary?
How can I apply for this card?
You can apply for this card at the time of application or by calling You will automatically receive this summary in the month of June
our 24-Hour Phone Banking number on 1860 267 7777. every year on your email address registered with us.
 VISA NETWORK OFFERS Is this waiver applicable on all my petrol purchases made on
my IndusInd Bank Legend Credit Card?
You mentioned a comprehensive travel, dining and Waiver of 1% fuel surcharge on transaction amount of INR 400 -
entertainment program. What does the program offer? INR 4000.
The Visa Network Offers are brought to you by Visa Network and Please note that GST levied on fuel surcharge (if any) will not be
comprises of specific time bound travel, dining and entertainment waived and will need to be borne by the cardholders.
privileges and discounts. These offers will be communicated to you
from time-to-time through our website www.indusind.com and
various other media vehicles. TOTAL PROTECT

If I have an IndusInd Bank Legend Credit Card, will I get these What is ‘Total Protect’?
discounts and privileges automatically?
Total Protect is a first-of-its-kind card security program that covers
you for unauthorised transactions on your card at merchant
As an IndusInd Bank Legend Credit Cardholder, you are entitled to
establishments. Total Protect covers you for a sum up to the credit
all the discounts and privileges offered by the Visa Network
limit of your card and is available on add-on cards as well.
Program. However, you need to specifically ask the Visa Network
Program Partner for the offer to avail the same. You have the choice What does ‘Total Protect’ safeguard me against?
to make transactions at Visa Network Program Partner outlets
Total Protect covers you for a sum up to the limit assigned on your
without availing the offers.
credit card for the following:
If I already have a discount voucher for a particular Visa
• Unauthorised Transactions in case of loss/ theft of Card - We
Network Program Partner, can I use it in combination with the
provide an insurance cover up to 48 hours prior to your reporting
Visa Network offer?
the loss of your card to IndusInd Bank.
No. The offers made under the Visa Network Legend offers
• Counterfeit Fraud - It is possible that your card or card details
program cannot be clubbed with any other offer/scheme or
are stolen and used unscrupulously by producing counterfeit
promotion that any of the Program Partners may extend to its
plastic. The IndusInd Bank Legend Credit Card offers you
customers.
insurance to protect yourself against such incidents.
FUEL SURCHARGE
Do I have to pay a fee to avail of ‘Total Protect’?
Is there a limit on the amount of fuel surcharge waiver I can No. This facility is complimentary. This facility is provided absolutely
avail? free of cost to all IndusInd Bank Credit Cardholders.

There is a cap on the amount of fuel surcharge waiver you can avail What steps do I need to follow if I lose my Legend Credit Card?
in a month. However, IndusInd Bank reserves the right to increase
or decrease the cap on the maximum value or number of fuel • Immediately call IndusInd Bank 24-Hour Phone Banking
transactions permitted in a month on the credit card without any Number and report the loss/theft of your card
prior notice.
• File a Police Report (First Information Report - FIR) for the Where can the IndusInd Bank Legend Credit Card be used?
lost/stolen credit card and send us an attested copy of the FIR
Anywhere that the Contactless payment POS Machine is
• Send the Bank a signed letter confirming the loss of your card
available, the card can be used to tap and pay. If a contactless
along with a description of the incident
POS machine is not available, the Contactless card can still be
• Statement highlighting the unauthorised transaction/s (if any) used for swipe or dip transactions. If the PoS machine has a
contactless symbol displayed on it, then it is enabled for
• Completed Customer Dispute Form
contactless payments.
What do I need to do to register an insurance claim for the lost card?
How do I use my IndusInd Bank Legend Credit Card?
You need to submit the following documents to IndusInd Bank:
• Duly filled All Risk Claim Form Look out for a retailer displaying the contactless symbol and Visa
• Customer Dispute Form logo at the point of sale (POS). Hold your card within 4 cm of the
secure contactless reader. Four green lights will appear. This takes
• Billing Statement
no more than half a second. You can then remove your card and
• Attested FIR the transaction will be complete.
CONTACTLESS CARD FEATURES
How close to the reader does the card need to be?
Legend is a chip based contactless Credit Card. This Card has a You should hold your Contactless card within 4 cm of the card
contactless feature that enables you to make fast, convenient and reader.
secure everyday purchases by simply waving your Credit Card at
merchant locations where contactless payment is accepted. It can Is there a limit on the value of goods you can purchase with
also be used at millions of Merchant locations where standard Card Contactless Credit Card?
payments are accepted.
You can use your Contactless card for any amount within the overall
What is IndusInd Bank Legend Credit Card? daily Point of Sales/Online Transaction Limit. For purchases done at
the Contactless payment POS Machine the transaction amount will
It is the new generation Credit Card from IndusInd Bank which
be limited to the per transaction limit set by the Bank in line with the
allows the users to make faster payments at merchant locations
regulatory guideline. Please visit www.indusind.com for further
with just a tap where contactless payment is accepted. It can also
details. For transactions above the contactless limit, the card holder
be used for standard shopping, online transactions and at ATMs.
will need to swipe the card and authenticate using the PIN.
What is Contactless Payment?
Will I receive a charge slip for transactions I make?
The contactless payment feature lets consumers make safe and
secure payments with a simple tap of the card on the POS A contactless payment is designed to let you make transactions
machines at the Merchant outlets. These Near Field easily and conveniently. The retailer will ask if you require a charge
Communication (NFC) enabled terminals transmit payment details slip. If you do not require a charge slip, please advise the retailer
and authenticate transactions without swiping the card. and a charge slip will not be given.
How do I know when a payment has been made? Is this a Chip Card?

Your transaction is confirmed by illumination of four green indicator Yes. This Credit Card is secured with a Contact and Contactless
lights and a display message confirming that your transaction has Chip along with Magstripe and NFC antenna. The NFC antenna is
been successful. for enabling Contactless Payments at Merchant locations
accepting contactless Payments. The Chip and the magstripe
Could I unknowingly have made a purchase if I walk past the portion is used for Credit transactions - such as usage purchases at
reader? POS/online where Contactless payments are not accepted.

Your card has to be tapped within 4 cm of the card reader for more What happens when the contactless transaction is declined?
than half a second and the retailer must have first entered the
amount for you to approve. Terminals can only process one In the rare event when the Contactless transaction on your Credit
payment transaction at a time, therefore reducing transaction Card is declined due to any reason, the Cardholder can request the
errors. merchant to make the payment by swiping or dipping the Card in
the traditional manner.
What are the features of the IndusInd Bank Legend Credit Card?
What happens when the transaction slip is not generated and
Legend Credit Card is a multi-purpose Credit Card which can be customer's account is debited?
used for the following purposes:
Generally, such situation does not arise. However, in any such stray
a) Faster day-to-day payments at merchant locations accepting cases, one may contact IndusInd Bank customer care center to
enquire about the status of the transaction.
Contactless Payments

b) POS shopping at 10 lakh merchant outlets in India and over 30

million worldwide accepting Card Payments

c) Cash withdrawal from all IndusInd Bank and other ATMs

d) Safe online shopping and e-commerce transactions

e) Utility and other Bill Payments

Will I receive a notification each time a transaction is done on

my IndusInd Bank Legend Credit Card?

Yes, like a Standard Credit Card the customer will receive an SMS
and an e-mail notification each time a transaction takes place.
Terms & Conditions
General Terms & Conditions for benefits on IndusInd Bank • These terms & conditions shall be read in conjunction
Legend Credit Card with Cardholder’s Agreement and IndusInd Bank’s terms
& conditions governing the usage of the Card and other
• The benefits under the IndusInd Bank Legend Credit Card
terms & conditions as mentioned herein. The specific
Program (“Program”) are offered by IndusInd Bank
terms & conditions of various offers under the Program
(“IndusInd Bank”) or business associates of IndusInd Bank
are set out below.
on a ‘best efforts basis’. IndusInd Bank does not underwrite
or warrant the services performed by the air carriers or other TRAVEL SERVICES
goods/services providers associated with the Program and
shall not have any liability for any defect, deficiency, delay or • The travel services are brought to you by a third party travel
imperfection in such goods/services or for any loss or agent as decided by IndusInd Bank (“Service Provider”).
damage that may be suffered, or for any personal injury to a
cardholder directly or indirectly by use or non-use of the • Both IndusInd Bank and the Service Provider shall be acting
products/services provided by such air carriers or service under instructions through specified media from the
providers. Cardholder under good faith. All services would be rendered
on a best efforts basis and shall be subject to the availability
• The benefits under the Program are applicable to such and existence of the third party providers to render the
persons who hold an active IndusInd Bank Legend Credit service.
Card ("Card") issued in India.
• IndusInd Bank and the Service Provider shall not be
• The IndusInd Bank Legend Credit Card holders responsible for delays or failures to provide services caused
(“Cardholders”) must exercise due diligence in by any strike, war, invasion, act of foreign enemies, armed
understanding specific terms that may be applicable to such hostilities (regardless of a formal declaration of war), civil
benefits. war, rebellion, insurrection, terrorism, political coup, riot and
civil commotion, administrative or political impediments, or
• Any disputes regarding delivery, service, quality or radioactivity or any other event of force majeure or Act of
performance of products/services under the Program must God which prevents the Service Provider from rendering the
be addressed in writing by the customer directly to the services.
associated service providers.
• The services shall be available to the Cardholder only if the
• Any participation/availing of the benefits by Cardholder shall Cardholder’s Credit Card is in ‘live’ status and the transactions
be purely voluntary. ordered by the Cardholders is within the available credit limit of
the Credit Card.
• IndusInd Bank and its respective business associates
reserve the right to change the terms & conditions of the • The Cardholder agrees that transaction charges and cost of
Program at any time without prior notice. the goods ordered shall be debited from his Card account.
• The transaction will be carried out by the service providers • Cardholders must exercise due diligence in understanding
based on the instructions provided to them by the Cardholder. specific terms that may be applicable to such offers.

• IndusInd Bank does not underwrite or warrant the services of • Any participation/availing of the benefits by Cardholders shall be
service providers/ goods of the vendors procured using the purely voluntary.
Legend Credit Card and shall not be responsible for any defect,
deficiency, delay or imperfection in such goods/ services or for • Any disputes regarding delivery, service, quality or performance
any loss or damage suffered or personal injury caused to the of Partners in the Program must be addressed in writing by the
Cardholder directly or indirectly by the use or non-use of the customer directly to such Partners.
goods/ services provided by the respective vendors/ service
providers. • All offers are subject to additional and separate terms &
conditions of the Partners. Cardholders can also ascertain the
• IndusInd Bank reserves the right to modify wholly or in part the applicable terms & conditions by corresponding directly with the
scope of the services being offered under this facility. Partners.

VISA NETWORK OFFERS • IndusInd Bank and Visa Network reserve the absolute right and
discretion to withdraw the Program or any offer made there
• The Visa Network Offers are brought to you by Visa Network on under by any Partner or alter any of the terms & conditions of the
a best efforts basis. Program at any time without prior notice.

• IndusInd Bank and Visa Network shall not be responsible for, • These terms & conditions shall be read in conjunction with
nor do they guarantee the quality of goods and services IndusInd Bank’s terms & conditions governing the usage of the
provided by any of the partner merchant establishments Credit Card including the Cardholders Agreement.
(“Partners”) in the Visa Network offers program, nor are they
liable for any for any defect, deficiency, delay or imperfection in • Cardholders must specifically request the Partner for the offers
such goods/services or for any loss or damage that may be under the Program. Cardholders can also make transactions at
suffered, or for any personal injury to a cardholder directly or Partner outlets without participating in the Program and availing
indirectly by use or non-use of the products/services provided the offers.
by the Partners or by refusal by the Partners to honour the offer
made under the Visa Network offers. • The offers made under the Program cannot be clubbed with any
other offer/ scheme or promotion that any of the Partners may
extend to its customers. Third party purchase/ bookings will not
• The Program is open for participation to all Cardholders, unless
be entertained for any of the offers provided by the Partners.
specified, who hold valid and current Visa Network Cards issued
in India and who make a minimum purchase from the Partners • Rates payable for goods and services purchased during the
using these cards during the period specified by Partner. Details offer validity period are subject to service charges and
pertaining to the minimum purchase and validity period of the applicable Government taxes.
offers are available in the individual offer details/ terms &
conditions of the Partners. • Offers may be subject to other restriction by law.
• Any dispute arising out of or in connection with this Program • IndusInd Bank reserves the right to modify wholly or in part the
shall be subject to the exclusive jurisdiction of the courts in scope of the services being offered under this facility.
Bangalore only.
FUEL SURCHARGE WAIVER
CONCIERGE SERVICE AND AUTO ASSIST • Waiver of 1% fuel surcharge on transaction amount of INR
• The Concierge Services and Auto Assist are brought to you by a 400 - INR 4000.
third party concierge service provider as decided by IndusInd
Bank (“Service Provider”). • The waiver is applicable across all petrol pumps in India.

• Both IndusInd Bank and the Service Provider shall be acting • The waiver can be availed only when the payment is made
under instructions through specified media from the Cardholder through the Card.
under good faith. All services would be rendered on a best
efforts basis and shall be subject to the availability and • IndusInd Bank reserves the right to modify the cap on the
existence of the third party providers to render the service. maximum value of fuel transaction permitted in a month on
the Credit Card.
• IndusInd Bank and the Service Provider shall not be responsible
for delays or failures to provide services caused by any strike, ACCESS TO AIRPORT LOUNGES WITH PRIORITY PASS
war, invasion, act of foreign enemies, armed hostilities
(regardless of a formal declaration of war), civil war, rebellion, • To avail the standard membership of the Priority Pass program
insurrection, terrorism, political coup, riot and civil commotion, for two, the cardholder needs to call the 24x7 Phone Banking
administrative or political impediments, or radioactivity or any Number at 1860 267 7777.
other event of force majeure or Act of God which prevents the
Service Provider from rendering the services.
• The Priority Pass Card will be delivered to the Cardholder at the
• The Cardholder agrees that transaction charges and cost of the registered mailing address. To get access to a Priority Pass
goods ordered shall be debited from his Card account. lounge, the Cardholder will need to have the Priority Pass Card.

• The transaction will be carried out by the service provider based • A lounge usage fee of USD 27 or applicable charges as per
on the instructions provided to them by the Cardholder. priority pass shall be applicable.

• IndusInd Bank does not underwrite or warrant the services of

• For any disputes regarding the billing of this lounge usage fee,
service providers/ goods of the vendors procured using the
Legend Credit Card and shall not be responsible for any defect, the Cardholder needs to contact Priority Pass directly.
deficiency, delay or imperfection in such goods/ services or for
any loss or damage suffered or personal injury caused to the • Priority Pass membership is complimentary for all Legend Credit
Cardholder directly or indirectly by the use or non-use of the Card holders.
goods/ services provided by the respective vendors/ service
providers.
• A usage charge of USD 27 per person is applicable each time a TRAVEL INSURANCE
cardholder visits any lounge, within or outside India. This charge
• IndusInd Bank has tied up with ICICI Lombard General
is billed to your IndusInd Bank Credit Card. Insurance Company Limited (“Insurance Company”) as a group
manager to provide Cardholders with the following insurance
cover under the Program:
• Usage charges of USD 27 for visits to any lounge within India
shall not be waived off. S No. Insurance Cover Sum Assured Upto
1. Loss of Baggage `100,000
• Usage charges of USD 27 for visits of guests of Cardholders to 2. Delayed Baggage `25,000
any lounge within or outside India shall not be waived off. 3. Loss of Passport `50,000
4. Loss of Ticket `25,000
• The usage charges for lounge access are subject to change as 5. Missed Connection `25,000
governed by Priority Pass.
The above insurance cover shall be governed by terms &
• IndusInd Bank reserves the right to change the benefits offered conditions of the applicable policy of the Insurance Company.
as part of the Travel Plus program without notice. You may obtain a copy of the insurance policy from the
Insurance Company or IndusInd Bank upon request. Salient
features of the insurance cover are outlined below:

(i) Loss of checked-in baggage - In the event of loss of property

whilst in the custody of an international airline, a Property
Irregularity Report (PIR) must be obtained from the
international airline immediately upon discovering the loss
TRAVEL PLUS which must be submitted to the Insurance Company.
Medical insurance can be availed only for person less than
• Under the Travel Plus program the following benefits are 65 years of age. No partial loss or damage shall be
provided to IndusInd Bank credit cardholders on specific terms compensated by the Insurance Company. No claim will be
and conditions listed hereunder: paid for valuable items as defined in the insurance policy.

- Travel insurance and waiver of Usage charges of $27 for (ii) Delay of checked-in baggage - Compensation for a sum not
exceeding the sum insured as specified above, for the
maximum of 8 international lounge visits per year
expenses incurred for emergency purchase of basic
outside India. essential items in the event that the cardholder suffers a
delay of baggage of more than 12 hours from the scheduled
- The Program is offered by IndusInd Bank at an annual fee arrival time at the destination for delivery of baggage that has
of `5000.
 been checked by an international airline for an international (iv)Missed connection - Compensation of a sum not exceeding the
flight. A non-delivery certificate must be obtained sum insured as specified above, in the event the Cardholder
immediately from the international airline which must be misses or fails to take a connecting domestic or international
flight of an international airline due to the delay in arrival of
submitted to the Insurance Company in the event of a claim
another international flight, in which the insured Cardholder is
hereunder. traveling, beyond 6 hours of the scheduled arrival time.

(iii) Loss of passport and ticket - Compensation for a sum not The above mentioned travel insurance benefits are valid for a
exceeding the sum insured as specified above for loss of or period of 20 days of international travel. IndusInd Bank must be
damage to passport and travel related documents due to or informed at least 48 hours prior to commencement of international
on account of confiscation or detention by customs, police travel and within 48 hours after arrival in India to activate the above
insurance benefits.
or other authority.
IndusInd Bank – your financial partner.
IndusInd Bank has successfully empowered millions of
demanding customers by pursuing excellence,
building long-term relationships, delivering
innovative solutions and leveraging unique insights.

For more information:

Please visit our bank branches
Call our 24-hour Phone Banking at 1860 267 7777
Log on to www.indusind.com
E-mail us at priority.care@indusind.com