codenerd
TF Ace
Hi,
I recently got Indusind LEGEND CC LTF and was exploring its rewards structure.
Even though its LTF (I didnt pay even a single rupee as renewal and hence didn't get any joining benefits) but it still is very useful.
Its reward rate as I checked:
On weekdays - 1 RP/100 rs
On weekend - 2 RP/100 rs
This means on weekends it basically gives 1RP/50rs spent. This is same as AMEX Gold charge card/AMEX Smart Earn and other AMEX variants.
But the catch is that in case of AMEX, if we consider the worst redemption method - cash redemption of points, then we only get 0.25p/point whereas in case of IndusInd, on weekend spend u get 0.75p/point.
This means by spending 100rs, you get 0.50p return in AMEX for cash redemption
AND
by spending 100rs on IndusInd LEGEND, you get 2 RPs per 100rs which means 0.75p*2 = 1.5rs/100rs spent.
Basically 1.5% returns on legend on any offline/online spend on weekends. This according to me is a good rewards return as compared to amazon icici card which gives flat 1% CB on all online offline spends but not as good as Axis Ace's 2%return.
But again not everyone gets Axis ACE.
So in my opinion, the rewards structure of Indusind Legend, plus lounge offer plus the ability to keep Indusind Select account at 0MAB by linking Indusind Legend credit card to your savings account makes it a very good to have card.
Please share your views about this comparison if I am missing any card like SBI cashback card or anything.. I dont have much idea about that..
NOTE:
If you get this card as LTF, dont expect to get Priority Pass which means no International Lounge. You wont get any lucrative benefit which is mentioned on the website which you can only get if you pay the joining fees.
They do mention movie offers (BOGO) which you will actually get with LTF card also, but I personally was never able to use IndusInd's movie offers as they always are some weird quota based on BMS. I wonder if anyone ever was able to use movie offers from IndusInd Cards.
Legend Rewards Redemption T&C:
www.indusind.com
IMPORTANT:
www.indusind.com
Do check out airline transfer options also. Looks lucrative as compared to AMEX where
I recently got Indusind LEGEND CC LTF and was exploring its rewards structure.
Even though its LTF (I didnt pay even a single rupee as renewal and hence didn't get any joining benefits) but it still is very useful.
Its reward rate as I checked:
On weekdays - 1 RP/100 rs
On weekend - 2 RP/100 rs
This means on weekends it basically gives 1RP/50rs spent. This is same as AMEX Gold charge card/AMEX Smart Earn and other AMEX variants.
But the catch is that in case of AMEX, if we consider the worst redemption method - cash redemption of points, then we only get 0.25p/point whereas in case of IndusInd, on weekend spend u get 0.75p/point.
This means by spending 100rs, you get 0.50p return in AMEX for cash redemption
AND
by spending 100rs on IndusInd LEGEND, you get 2 RPs per 100rs which means 0.75p*2 = 1.5rs/100rs spent.
Basically 1.5% returns on legend on any offline/online spend on weekends. This according to me is a good rewards return as compared to amazon icici card which gives flat 1% CB on all online offline spends but not as good as Axis Ace's 2%return.
But again not everyone gets Axis ACE.
So in my opinion, the rewards structure of Indusind Legend, plus lounge offer plus the ability to keep Indusind Select account at 0MAB by linking Indusind Legend credit card to your savings account makes it a very good to have card.
Please share your views about this comparison if I am missing any card like SBI cashback card or anything.. I dont have much idea about that..
NOTE:
If you get this card as LTF, dont expect to get Priority Pass which means no International Lounge. You wont get any lucrative benefit which is mentioned on the website which you can only get if you pay the joining fees.
They do mention movie offers (BOGO) which you will actually get with LTF card also, but I personally was never able to use IndusInd's movie offers as they always are some weird quota based on BMS. I wonder if anyone ever was able to use movie offers from IndusInd Cards.
Legend Rewards Redemption T&C:
Terms and conditions: Signature Card Rewards Program - IndusInd Bank
Redeem your reward points on Signature Rewards Program at IndusInd Bank easily. Read all the terms & conditions carefully.
Revision Indusind Bank Credit Card Rewards Program effective 1st August 2019
Earn credit card reward points everytime you spend on various merchant categories. Make the most of IndusInd Bank’s credit card rewards. Check Now!
- 3 Amex MR Points = 1 Club Vistara Point (transfer ratio)
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