- Joining fee
Nil
- Annual fee
Nil
- Best suited for
Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
1 Reward Point/₹100 for Spends on Weekdays (~0.50%) and 2 Reward Points/₹100 for Spends on Weekends (~1%)
- Reward redemption
1 RP = ₹0.50 for Redemption Against Cash Credit
Benefits
- Movie & dining
BOGO on Movie Ticket Bookings Up to ₹200 (Once Each Month)
- Insurance
Complimentary Lost Baggage Insurance of ₹1 Lakh and Other Travel Covers
Fees & charges
- Rewards redemption fee
For Cash Redemption – ₹149 + GST
- Foreign currency markup
1.8% + GST
- Interest rates
3.95% Per Month (47.40% Per Annum)
- Fuel surcharge waiver
1% Fuel Surcharge Waiver
- Cash advance charges
2.5% of the Transaction Amount (Minimum Charge of ₹300)
Product highlights
- Buy 1 Get 1 Free (BOGO) offer on movie tickets via BookMyShow.
- 3,000 bonus Reward Points under the milestone benefits.
- Lower foreign currency markup fee of 1.8%.
- Get 1 Reward Point per ₹100 you spend on weekdays.
- You get 2 Reward Points per ₹100 you spend on weekends.
Pros & cons
Pros
- This is a lifetime free credit, which comes with no annual charges.
- One can keep this card for bank-specific offers and promotions.
Cons
- There is only one BOGO offer per month with this card.
- There are no dining offers provided along with this credit card. After the devaluation, even airport lounge access has been removed from the Legend Credit Card.
FAQs
Do I get Accidental Insurance with this card?
Yes, you get air accident insurance for ₹25 lakhs.
What is the markup fee charged for foreign transactions?
This credit offers a low markup fee of 1.8% for all foreign transactions.
Does this card offer any bonus reward points?
Yes, you can earn 3,000 bonus reward points on spending ₹5 lakhs or more within a year.