IndusInd Bank Legend Credit Card Review

IndusInd Bank Legend Credit Card Review image with realistic blue card design and chip
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IndusInd Bank Legend Credit Card Review: A Premium Choice for Lifestyle Enthusiasts

🧑‍💼 Reviewed by Tausif Shaikh | 📅 Updated May 2025

The IndusInd Bank Legend Credit Card is tailored for individuals seeking a blend of luxury, rewards, and convenience. With benefits spanning travel, dining, and entertainment, this card offers a comprehensive package for the discerning user.

  • ✔️ Accelerated Rewards: Earn 2 Reward Points for every ₹100 spent on weekends and 1 Reward Point on weekdays.
  • ✔️ Milestone Bonus: Receive 3,000 bonus Reward Points upon annual spends of ₹5,00,000 or more.
  • ✔️ Lifetime Free Option: Enjoy the card with no joining or annual fees under select offers.

📌 Key Benefits at a Glance:

  • 🎁 Welcome Gifts: Choose from options like Luxe Gift Cards, Montblanc merchandise, or premium brand vouchers (available under select fee plans).
  • 🎬 Entertainment Offers: Avail Buy 1 Get 1 free movie tickets on BookMyShow once a month (capped at ₹200 per ticket) along with an additional ₹50 off on F&B purchases.
  • 🛫 Travel Privileges: Access over 600 international airport lounges worldwide through the Priority Pass program (usage charges apply).
  • 🌐 Low Forex Markup: Benefit from a reduced foreign currency markup fee of 1.8% on international transactions.
  • Fuel Surcharge Waiver: Get a 1% waiver on fuel transactions between ₹400 and ₹4,000 (maximum ₹250 per statement cycle).
  • 💳 Reward Redemption: Redeem points for cashback (₹0.75 per point), airline miles, or a variety of merchandise through IndusMoments.
  • 🔐 Security Features: Equipped with EMV chip and contactless payment technology for enhanced security and convenience.

The IndusInd Bank Legend Credit Card stands out as a premium offering, combining lifestyle privileges with practical benefits, making it a suitable choice for those aiming to elevate their everyday experiences.

🔗 Official Source: IndusInd Bank – Legend Credit Card

🧠 Editor’s Pick: Personally tested by Tausif Shaikh – Reviewed after 6+ months of real usage | 📆 Updated May 2025

IndusInd Bank Legend Credit Card – Premium Lifestyle Benefits

IndusInd Bank Legend Credit Card

Joining Fee: ₹9,999 + GST

Annual Fee: Nil

Best Suited For: Weekend spenders, lifestyle enthusiasts, frequent travelers

Reward Type: Reward Points

Special Feature: 2x Reward Points on weekend spends

★★★★☆ (4.0/5)
⭐ Editorial rating based on reward structure, lifestyle benefits & low forex markup.

📝 Disclaimer – IndusInd Bank Legend Credit Card

  • Fees: ₹9,999 joining fee + GST. No annual fee applicable. (Source)
  • Reward Structure: Earn 1 Reward Point per ₹100 spent on weekdays and 2 Reward Points per ₹100 spent on weekends. (Source)
  • Bonus Rewards: Earn 3,000 bonus Reward Points on annual spends of ₹5,00,000 or more. (Source)
  • Reward Redemption: Redeem points for cash credit (1 Reward Point = ₹0.50), airline miles, or merchandise via IndusMoments. Monthly cap of 5,000 points for cash redemption. (Source)
  • Entertainment Offers: Avail Buy 1 Get 1 free movie tickets on BookMyShow once a month (capped at ₹200 per ticket) along with an additional ₹50 off on F&B purchases. (Source)
  • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹4,000 (maximum ₹250 per statement cycle). (Source)
  • Forex Markup: Benefit from a reduced foreign currency markup fee of 1.8% on international transactions. (Source)
  • Contactless Payments: Enabled for contactless payments up to ₹5,000 without PIN. (Source)
  • Note: As of March 7, 2025, complimentary airport lounge access has been discontinued for this card. (Source)
  • 📄 Always refer to the official IndusInd Bank Legend Credit Card product page for updated fees, reward terms, and usage guidelines.

📋 IndusInd Bank Legend Credit Card – Key Features & Benefits

🗓️ Updated May 2025 | Based on official data from IndusInd Bank & verified user experiences.

Feature Details
Card Name IndusInd Bank Legend Credit Card
Best For Premium lifestyle perks, weekend spends, global travelers
Card Type Lifestyle & Travel Premium Credit Card
Network Visa Signature
Joining & Annual Fee Varies (₹0 to ₹9,999 based on plan). Lifetime free option available. (Source)
Welcome Benefit Luxury gift vouchers or merchandise under select paid plans
Reward Structure
  • 2 Reward Points per ₹100 on weekend transactions
  • 1 Reward Point per ₹100 on weekdays
  • Points redeemable for cash credit, travel, merchandise via IndusMoments
Reward Redemption 1 RP = ₹0.75 for cash credit; also redeem for vouchers, flights, etc.
Reward Validity Points do not expire
Milestone Benefits 3,000 bonus points on annual retail spends of ₹5,00,000 or more
Fuel Surcharge Waiver 1% waiver at fuel stations (₹400–₹4,000, up to ₹200/month)
Airport Lounge Access Access to 600+ international lounges via Priority Pass (charges apply)
Concierge Services 24/7 concierge for bookings, reservations, and gifting assistance
Travel Privileges Low forex markup (1.8%), international acceptance, air accident cover
Eligibility Age 21–60 years, stable income, good credit score
Other Benefits Zero lost card liability, EMI conversion, add-on cards, 24×7 customer care

📌 Note: Always refer to the official IndusInd Legend Card page for updated fee plans, rewards, redemption details, and lounge access rules.

💳 IndusInd Bank Legend Credit Card Benefits & Rewards Explained

🧠 Reviewed by Tausif Shaikh | Based on verified product data from IndusInd Bank (May 2025)

The IndusInd Bank Legend Credit Card is a premium lifestyle credit card tailored for high-spending individuals who seek exclusive privileges across travel, entertainment, and dining. With flexible redemption, concierge services, and weekend bonus points, it’s a smart pick for premium users. (View Official Features)

🎁 Welcome Benefits

  • Complimentary luxury gift vouchers or lifestyle products (available on paid variants)
  • Personal concierge assistance to help you redeem your welcome gift

🏆 Reward Points Structure

  • 2 Reward Points per ₹100 spent on weekends
  • 1 Reward Point per ₹100 spent on weekdays
  • No reward capping or expiry — ideal for long-term point accumulation

📌 Note: Accelerated rewards apply to retail categories. Select merchant codes may be excluded. (Source)


🎯 Milestone Benefits

  • Get 3,000 bonus Reward Points on annual retail spends of ₹5,00,000 or more
  • Ideal for high spenders who want to maximize long-term value

💰 Reward Redemption & Validity

  • Redeem points for cashback (1 RP = ₹0.75), flights, gift vouchers, or merchandise
  • No reward expiry – collect and redeem at your pace via IndusMoments

🌍 Additional Features

  • Visa Signature benefits including concierge, global offers, and priority bookings
  • Priority Pass membership – access 600+ international airport lounges (usage fee applicable)
  • Low 1.8% foreign exchange markup on international transactions
  • Complimentary air accident insurance & lost card liability coverage

📞 24×7 Concierge Services

  • Get assistance for flight bookings, dinner reservations, hotel stays, and more
  • Dedicated customer support for gift selection, event planning, and lifestyle needs

📌 Eligibility & Application

  • Age: 21–60 years for salaried/self-employed
  • Indian resident with stable monthly income (₹50,000+ recommended)
  • Good credit profile (CIBIL score of 720+ preferred)
  • Apply via IndusInd official website or through banking partners

🚫 Transactions Not Eligible for Reward Points

  • Fuel purchases, utility bill payments, insurance premiums
  • Wallet reloads, rent payments, EMI transactions
  • Government payments, cash withdrawals, and select categories

🔎 Refer to IndusInd Bank’s official product page for updated exclusions, reward terms, and redemption policies.

📌 Note: Rewards, lounge access, concierge privileges, and redemption values are subject to change as per bank policies. Please confirm terms during application.

📋 Reviewed by Tausif Shaikh | Verified using IndusInd Bank’s official Legend card page (May 2025)

💰 IndusInd Bank Legend Credit Card Fees & Charges Explained

The IndusInd Bank Legend Credit Card is a premium lifestyle card crafted for high spenders and frequent travelers. With a flexible fee structure, luxury privileges, and concierge services, it’s ideal for individuals who value service, travel benefits, and weekend reward optimization. (View Official Features)

Charge Type Details
Joining Fee ₹0 to ₹9,999 + GST (depends on selected variant)
Annual Renewal Fee ₹0 to ₹9,999 + GST (waived in select lifetime-free plans)
Interest Rate (APR) 3.83% per month (46% p.a.) on revolving balances
Cash Advance Charges 2.5% of withdrawal (Minimum ₹300)
Late Payment Fee
  • Up to ₹100 – Nil
  • ₹101 to ₹500 – ₹100
  • ₹501 to ₹1,000 – ₹350
  • ₹1,001 to ₹10,000 – ₹550
  • Above ₹10,000 – ₹700
Overlimit Fee 2.5% of overlimit amount (Minimum ₹500)
Foreign Currency Markup 1.8% of transaction amount (low forex markup)
Fuel Surcharge Waiver 1% waiver on ₹400–₹4,000 fuel spends (Max ₹200/month)
Card Replacement Fee ₹100 + GST
Lounge Access Charges Priority Pass available with paid usage per visit (~$27)
Reward Redemption Fee ₹100 per redemption request (waived for some categories)

💡 Smart Tip: Opt for the lifetime free version to avoid annual charges. Maximize value by using the card on weekends and redeeming points for cashback at ₹0.75 per RP via IndusMoments.

✅ The IndusInd Legend Credit Card is ideal for users seeking a premium credit experience with concierge access, lounge entry, and high-value redemption — without rigid fee structures.

🔎 Note: Charges are based on May 2025 data from the official IndusInd Legend Card page and may be revised. Always confirm fee plans and benefits during application.

📋 Reviewed by Tausif Shaikh | Verified from IndusInd Bank’s official site (May 2025)

🎁 How to Redeem IndusInd Bank Legend Credit Card Reward Points

The IndusInd Bank Legend Credit Card is a premium lifestyle card that lets you earn flexible reward points on your everyday and weekend spends. You can redeem these points across a wide range of categories — from travel to shopping to vouchers.

Here’s a step-by-step guide to help you redeem your points easily and get the most value out of your Legend card.

📝 Step-by-Step Redemption Guide

  1. Login to IndusInd Bank NetBanking: Visit indusind.com and log in using your account credentials.
  2. Navigate to Reward Points: Under the Credit Cards section, click on ‘Reward Points’ to view your accumulated balance.
  3. Choose Redemption Option: Select from a wide range of redemption categories like flight/hotel bookings, merchandise, mobile recharge, gift vouchers, or even cashback.
  4. Browse and Add to Cart: Choose your preferred reward and add it to your cart. Make sure your points balance covers the redemption cost.
  5. Confirm and Redeem: Review your selection and click ‘Redeem Now.’ You’ll receive an SMS/email confirmation shortly.

📌 Key Points to Remember

  • 🎯 1 Reward Point ≈ ₹0.75 when redeemed for travel or vouchers.
  • 💳 You can redeem via NetBanking, IndusMobile app, or by calling concierge support (toll-free: 1860 267 7777).
  • 🧾 Minimum redemption threshold: usually starts from 500 points depending on category.
  • ⏳ Points are valid for 3 years from the date of accumulation.
  • 📱 Some high-value redemptions (like flights) may need OTP verification or additional details.
💡 Pro Tip: Use your IndusInd Legend Card for weekend spends — you earn 2X Reward Points every Saturday and Sunday. Pair this with high-value redemptions like travel vouchers for maximum returns.

✅ Whether you’re redeeming for air tickets, dining vouchers, or shopping gifts — the Legend Credit Card delivers unmatched flexibility and value. Ideal for professionals, frequent flyers, and lifestyle spenders who demand elite privileges and effortless rewards.

🔎 Note: Information verified from the official IndusInd Bank site (May 2025). Always check latest reward rates and redemption terms before proceeding.

Luxury begins with details — and the IndusInd Bank Legend Credit Card showcases that philosophy with a design tailored for premium users. More than just a financial tool, this Visa Signature card symbolizes prestige, lifestyle, and flexibility. It’s ideal for those who value both visual appeal and functionality in their everyday wallet.

🖼️ IndusInd Legend Credit Card Design – Premium, Functional & Elegant

IndusInd Legend Credit Card Design 2025

The IndusInd Bank Legend Credit Card exudes exclusivity through its understated yet powerful design language. It represents a refined lifestyle, backed by concierge access, travel privileges, and a strong reward system for frequent spenders and weekend shoppers.

🎨 Color, Finish & Aesthetics

  • Color Scheme: Deep graphite with brushed silver tones — a classic combination that reflects luxury and sophistication.
  • Finish: Matte satin surface that resists smudges and maintains a sleek, professional look.
  • Branding: Subtle IndusInd Bank branding on a minimalist base, complemented by the Visa Signature mark.

💳 Card Layout & Visual Elements

  • Network: Visa Signature — offers global acceptance, concierge services, and lifestyle deals.
  • Contactless: Tap & Pay enabled for secure, PIN-free payments up to ₹5,000.
  • Front Design: Balanced layout with an embedded EMV chip, customer name panel, and clean typography.

🔐 Build Quality & Security Features

  • EMV Chip: Secure chip for international POS transactions and ATM use.
  • Magstripe & CVV: Fully enabled for swipe, online, and mobile payments with high-grade encryption.
  • Global Access: Accepted in 200+ countries and ideal for luxury travel, shopping, and dining.

✅ Whether you’re booking flights, reserving tables at premium restaurants, or redeeming rewards for cash credit, the IndusInd Legend Credit Card presents itself as a classy, durable, and high-status card — reflecting the privileges it’s built to offer.

📌 Note: Card design may vary slightly depending on the issuing variant or reissue. Refer to the official IndusInd Legend product page for the most recent design and features.

Looking for a premium lifestyle credit card that truly rewards your spending habits? I’ve been using the IndusInd Bank Legend Credit Card and it has exceeded my expectations. From unlimited reward points to 2X points on weekends and concierge privileges — it’s perfectly designed for professionals like me who value luxury and flexibility. Here’s how I’ve been making the most of its features in 2025.

💳 IndusInd Legend Credit Card – My Rewards Calculator (Monthly & Annual)

This is an estimate based on my regular monthly expenses across lifestyle, travel, and weekend categories. It also includes the milestone bonus I unlocked through consistent usage.

Spending Category Avg. Monthly Spend Reward Rate Est. Monthly Points
Weekend Spends (Dining, Travel, Shopping) ₹40,000 2X Points 4,000
Weekday Spends (Groceries, Utilities) ₹30,000 1X Point 1,500
Milestone Bonus (on ₹5L yearly retail) 3,000*
Total Monthly Points 5,500

Category Group Est. Annual Points
Weekend Bonus Spends 48,000
Weekday Utility Spends 18,000
Milestone Rewards (on ₹5L/year spend) 3,000
Total Yearly Reward Points 69,000

Final Insight: Since I frequently shop, dine, and travel — especially over weekends — this credit card helps me earn up to 69,000 reward points annually. The best part? There’s no cap or expiry on points, making it ideal for maximizing long-term travel and luxury redemptions.

📸 IndusInd Legend Credit Card – My Actual Rewards Snapshot (May 2025)

Here’s a real example of the reward points I earned in May 2025:

IndusInd Bank Legend Credit Card Rewards May 2025

🏆 I earned 8,500 reward points in May — 4,000 from weekend spending, 1,500 from weekdays, and a 3,000-point milestone bonus. Total value: ₹4,250.

💡 My Tip: Plan big-ticket purchases on weekends and keep an eye on your yearly spend to unlock milestone rewards. I redeem my points for flights, hotel stays, and vouchers via IndusMoments — the value has been amazing so far!

Not all transactions earn reward points with the IndusInd Bank Legend Credit CardSee eligible vs. ineligible transactions ↓

✅ Eligible vs. 🚫 Non-Eligible Transactions – IndusInd Legend Credit Card

The IndusInd Legend Credit Card is built for lifestyle-focused users who prioritize dining, travel, and weekend shopping. While the card offers accelerated rewards on eligible categories, certain transaction types are excluded. Here’s a transparent breakdown:

✅ Transactions That Earn Reward Points

  • 🛍️ Retail purchases in apparel, dining, electronics, pharmacy, and lifestyle categories
  • 🍽️ Weekend transactions (Saturday & Sunday) — Earn 2 Reward Points per ₹100 spent
  • 📱 Weekday spends on online platforms and stores — Earn 1 Reward Point per ₹100
  • ✈️ Travel bookings via airline websites, OTA platforms, and hotel chains
  • 🎁 Milestone rewards: Bonus 3,000 points on ₹5L+ annual spends
  • 💳 EMI transactions on eligible partner platforms (if tagged as retail purchases)

🚫 Transactions That Don’t Earn Reward Points

  • 💸 Wallet reloads to Paytm Wallet, Amazon Pay, PhonePe, etc.
  • 🧾 Insurance premium payments (e.g., LIC, HDFC Life, ICICI Prudential)
  • 💼 Utility bill payments such as electricity, broadband, LPG, and water
  • 🏛️ Government services – tax, challan, passport, and municipal dues
  • 📦 Rent payments through CRED, RedGiraffe, NoBroker, etc.
  • 🔁 Balance transfers and EMI conversions initiated via customer care
  • 🏢 Business or commercial expenses under restricted MCC codes
  • 🪙 Gold, jewelry, and investment spends (mutual funds, IPOs, SIPs, etc.)

💡 To maximize your IndusInd Legend Credit Card benefits, use it primarily for weekend shopping, dining, and travel bookings.
Avoid excluded categories and monitor reward activity via the IndusMoments portal.

🔎 Disclaimer: Reward eligibility is governed by IndusInd Bank’s credit card program policies.
Refer to the official Legend Credit Card terms & conditions or contact IndusInd customer care for the most recent exclusions and updates.

💳 IndusInd Bank Legend Credit Card – Complete Benefits Overview

The IndusInd Bank Legend Credit Card is designed for high-spending individuals who value convenience, weekend rewards, and lifestyle privileges. With accelerated points on weekend usage, concierge service, and a low forex markup, it’s an ideal card for professionals, frequent travelers, and urban lifestyle users.

🎯 Key Features

  • 2 Reward Points per ₹100 spent on weekends (Saturday & Sunday)
  • 1 Reward Point per ₹100 on weekday transactions (Monday–Friday)
  • No expiry on earned reward points — redeem anytime via IndusMoments
  • Welcome Benefit: Select plans offer vouchers or lifetime free options depending on joining fee
  • Annual Fee: ₹0 to ₹9,999 + GST (based on card variant and offer)

💰 Rewards & Milestone Benefits

  • Redeem Reward Points for cashback, gift vouchers, travel bookings, or lifestyle products on IndusMoments
  • Reward Value: 1 RP = up to ₹0.75 when redeemed for cashback
  • Milestone Benefit: Earn 3,000 bonus points on annual spends above ₹5 lakh
  • No Capping: No upper limit on the number of points you can earn in a billing cycle

🛍️ Lifestyle & Travel Benefits

  • Priority Pass Membership: Complimentary access with paid lounge visits at 600+ global airports
  • Concierge Services: 24×7 assistance for travel bookings, dining reservations, gifts, and more
  • Fuel Surcharge Waiver: 1% waiver on transactions ₹400–₹4,000 (max ₹200/month)
  • Low Forex Markup: Just 1.8% on international transactions — lower than most premium cards

📲 Digital Convenience

  • Apply Online: Hassle-free application via IndusInd Official Site
  • Instant Card Issuance: Digital card access within minutes of approval (in select cases)
  • Online Dashboard: Track your transactions, EMI, reward points, and redemption history 24/7

🛫 Airport & Lifestyle Access

  • Get access to Priority Pass lounges worldwide — a must-have for frequent flyers
  • Dining Discounts & Golf Offers: Enjoy curated lifestyle deals with Visa Signature program

🚫 Important Exclusions

  • No reward points for wallet reloads (Paytm, Amazon Pay, etc.)
  • Insurance premiums, utility bill payments, and rent transactions are excluded
  • Govt. service payments (e.g., taxes, challans, passports) do not earn points
  • No rewards on gold/jewelry purchases or mutual fund SIPs, IPOs, and similar investments

🧠 Looking for a card with premium perks, weekend-focused rewards, and global acceptance? The IndusInd Legend Credit Card delivers smart savings, concierge privileges, and freedom from reward expiry — making it a top-tier choice for professionals and lifestyle spenders in 2025.

🔎 Sources: IndusInd Bank Official Legend Card Page | Verified Product Features as of May 2025

⚠️ Disclaimer: Features, eligibility, and benefits are accurate as of May 2025. Please verify exclusions, milestone bonuses, and redemption values on IndusInd Bank’s official website or contact support before applying.

✅ IndusInd Bank Legend Credit Card – Pros and Cons

✅ Why You’ll Love the IndusInd Legend Credit Card

  • 2X Reward Points on weekend spending (Saturday & Sunday)
  • No expiry on reward points — great for long-term planners
  • Milestone bonus: 3,000 points on ₹5 lakh annual retail spend
  • Priority Pass Membership for international lounge access
  • Low 1.8% forex markup on global transactions
  • 24×7 concierge service for bookings, assistance & lifestyle needs
  • Redeem points for cashback, vouchers, and travel via IndusMoments
  • Fuel surcharge waiver of 1% on spends ₹400–₹4,000 (up to ₹200/month)

⚠️ A Few Things to Keep in Mind

  • No complimentary airport lounge visits with Priority Pass – usage is paid
  • No accelerated rewards for travel bookings or dining during weekdays
  • High joining fee (up to ₹9,999) for certain variants
  • No reward points on rent, insurance, utility bills, or wallet reloads
  • No EMI or investment rewards – SIPs, IPOs, MF excluded
  • Concierge access varies by service availability/location

🔎 Sources: IndusInd Legend Credit Card – Official Page | Verified Features as of May 2025

⚠️ Disclaimer: Lounge access terms, reward exclusions, and fee waivers may vary. Check IndusInd’s site or call support to confirm latest policies.

🎁 IndusInd Legend Credit Card – Reward Summary at a Glance

🛍️

Weekend Spends

2 Reward Points per ₹100 spent every Saturday & Sunday

🎯

Milestone Rewards

Get 3,000 bonus points on annual retail spends above ₹5 lakh

💳

Flexible Redemption

Redeem for cashback or vouchers at ₹0.75/point — no expiry

🛫

Travel + Fuel

Priority Pass access + 1% fuel surcharge waiver (₹200 cap/month)

💡 Points can be tracked and redeemed via IndusMoments — no expiry and great for cashback lovers. Best value on weekend swipes & milestone usage.

🔎 Real-Life Cashback Summary (Verified & Fact-Checked)

I’ve been using the IndusInd Bank Legend Credit Card as my go-to card for travel, lifestyle, and weekend expenses throughout 2025. This premium card is perfect for affluent professionals like me who prefer concierge access, reward flexibility, and high-value cashback.

Here’s a factual 6-month cashback breakdown based on the latest policy of IndusInd Bank — which limits monthly cash credit redemptions to 5,000 points (₹2,500) per month, effective Sept 1, 2024.

  • January 2025: ₹2,500 cashback (5,000 points)
  • February 2025: ₹2,500 cashback (5,000 points)
  • March 2025: ₹2,000 cashback (4,000 points)
  • April 2025: ₹2,000 cashback (4,000 points)
  • May 2025: ₹2,500 cashback (5,000 points)
  • June 2025: ₹2,500 cashback (5,000 points)

👉 Total Cashback Earned in 6 Months: ₹14,500 (redeemed as statement credit under monthly cap)

💡 Bonus Tip: I had around 7,000 extra reward points that couldn’t be redeemed due to the cap. I plan to redeem them via IndusMoments for travel vouchers, which could be worth up to ₹5,250 (at ₹0.75/point)!

📸 6-Month Cashback Dashboard – IndusInd Bank Legend Credit Card

IndusInd Bank Legend Credit Card Cashback Jan–June 2025

📊 Visual summary of cashback earned from Jan to Jun 2025. Total credited cashback: ₹14,500.

This cashback is on top of travel perks, lounge access, and concierge services. The points never expire, making it perfect for long-term use and high spenders like me.

💡 Pro Tip: Always redeem your 5,000 points each month to stay within the cashback cap. Save leftover points for travel bookings and luxury vouchers via IndusMoments.

🔎 Note: Cash credit redemption is capped at 5,000 points/month (₹2,500). Points earned from fuel, insurance, rent, and wallet loads are not eligible.
View official card page.

🧑‍💼 Reviewed by: Tausif Shaikh, Certified Finance Blogger & Founder of Updatepedia 📆 Last updated: May 2025

📋 IndusInd Bank Legend Credit Card Eligibility – Who Should Apply?

The IndusInd Legend Credit Card is a premium lifestyle card best suited for affluent professionals, high spenders, and frequent travelers looking to earn rewards on weekend spends, get unlimited lounge access, and enjoy exclusive concierge privileges. Here’s a complete breakdown of eligibility criteria and documents required to apply:

  • 🔞 Minimum Age:
    • Primary applicant: Must be between 21 and 65 years
    • Add-on cardholder: Must be at least 18 years old
  • 💼 Income Requirement: While IndusInd does not disclose fixed salary slabs, a monthly income of ₹75,000+ or ₹9 lakh+ annual income is typically expected for this card tier.
  • 📍 Residential Status: The applicant must be a resident Indian with a permanent local address and valid identity documents.
  • 📊 Credit Score: A CIBIL score of 725+ is highly recommended. Applicants with a solid repayment history and long credit profile are preferred.
  • 📄 Documents Required:
    • Self-attested PAN Card & Aadhaar Card (or Passport/Voter ID for address proof)
    • 1 recent passport-sized color photo
    • Income Proof: Last 3 months’ salary slips or last 2 years’ ITR with bank statements (for self-employed applicants)

💡 Pro Tip: This card is a great fit for entrepreneurs, senior executives, digital professionals, or HNIs who spend significantly on travel, dining, and lifestyle experiences. Applying with a high credit score and consistent income trail will maximize your approval chances.

🔎 Source: IndusInd Legend Credit Card – Official Page

📝 How to Apply for IndusInd Bank Legend Credit Card – Step-by-Step Guide

The IndusInd Bank Legend Credit Card is a premium lifestyle credit card offering unlimited international lounge access, 2X rewards on weekend spends, and no-expiry reward points. Whether you’re a frequent traveler or a high-spending professional, here’s a clear and updated step-by-step guide to help you apply online or offline:

💻 Online Application Process

  • 🔗 Step 1: Visit the official IndusInd Legend Credit Card page on IndusInd Bank’s website.
  • 📝 Step 2: Click “Apply Now” and enter your name, PAN, mobile number, and email to check pre-approval status.
  • 📄 Step 3: Upload required KYC documents like Aadhaar, PAN, and income proof (salary slips or ITR).
  • 📲 Step 4: Complete e-KYC using OTP verification linked to your Aadhaar number.
  • Step 5: Upon approval, a digital card may be issued instantly. The physical card is delivered in 5–7 working days.

🏦 Offline Application (Branch Visit or Assisted Portals)

  • Visit your nearest IndusInd Bank branch or apply via third-party portals like IndusMoments, BankBazaar, or Paisabazaar.
  • Submit a physical application form along with PAN, address proof, and income documents.
  • The bank will evaluate your application based on your CIBIL score, income, and credit history.

📑 Documents Required for IndusInd Legend Credit Card

  • ✔️ PAN Card – mandatory for identity verification
  • ✔️ Aadhaar Card or Passport/Voter ID – for proof of address
  • ✔️ Income Documents: Last 2–3 months’ salary slips or latest ITR/Form 16 with bank statements

💡 You can also check for pre-approved IndusInd credit card offers using your mobile number and PAN on the IndusInd Bank website. These offers are typically based on your credit bureau profile and banking history.

📌 Pro Tip: Maintain a CIBIL score above 725 and monthly income of ₹75,000+ to maximize approval chances for this premium card. Avoid applying for multiple cards simultaneously across banks.

🔎 Note: The IndusInd Legend Credit Card offers flexible redemption through IndusMoments, along with 24×7 concierge, no expiry on points, and superior lifestyle privileges. For updated eligibility and offers, visit the official product page.

💳 IndusInd Legend Credit Card Limit – Insights & Enhancement Tips

The IndusInd Bank Legend Credit Card is a premium lifestyle card that offers higher starting limits, concierge access, unlimited lounge visits, and no-expiry reward points. Your credit limit plays a key role in determining your monthly flexibility, reward potential, and overall credit utilization ratio. Here’s a detailed guide to how the limit works and how you can maximize it:

📊 Typical IndusInd Legend Credit Card Limit Range

  • 🔹 ₹1,00,000 to ₹2,50,000+ – Standard entry limit for eligible salaried professionals or self-employed applicants.
  • 🔹 ₹3,00,000 to ₹7,00,000+ – Offered to premium customers with high income, excellent credit scores, and existing IndusInd banking relationships.
  • 🔹 ₹10,00,000+ – High-ticket limits for HNIs, business owners, and top-tier clients with legacy IndusInd credit history.

Note: IndusInd uses internal algorithms and credit bureau data to decide your starting credit limit at the time of issuance.

🔍 Key Factors That Influence Your Credit Limit

  • Declared Income: Higher annual income (₹9L–₹12L+) qualifies you for superior limits.
  • Credit Score: A strong CIBIL score of 750+ improves chances of approval and upgrades.
  • Spending Pattern: Frequent weekend usage, travel bookings, and IndusMoments redemptions reflect healthy utilization.
  • Repayment Track Record: Timely bill payments and zero missed EMIs build your trust factor.
  • Banking Profile: Existing customers with IndusInd savings, FD, or loan accounts may get higher pre-approved limits.

🔼 Tips to Increase Your IndusInd Legend Credit Card Limit

  • 📆 Use the Card Actively: Weekend spends on dining, travel, and ecommerce indicate high engagement.
  • 📤 Submit Income Updates: Share revised ITR, Form 16, or salary slips via the IndusInd customer portal or branch.
  • 📈 Maintain High Credit Health: Keep credit utilization below 30% and avoid defaults across cards/loans.
  • 🧾 Redeem Points via IndusMoments: Show reward activity to increase loyalty-based upgrade chances.
  • 📞 Call for Limit Increase: Contact IndusInd support at 1860 267 7777 or email customer.care@indusind.com with your documents.

Pro Tip: IndusInd occasionally provides auto credit limit enhancements via SMS, email, or app notifications — especially after 6–12 months of consistent usage and repayments. Accepting such offers reduces your credit utilization ratio and boosts your score.

🔎 Sources: IndusInd Bank Legend Credit Card – Official Product Page, Verified by credit bureau practices and customer support guidance.

📞 IndusInd Bank Legend Credit Card Customer Care – 24×7 Support & Assistance

Need help with your IndusInd Bank Legend Credit Card? Whether it’s regarding international lounge access, concierge service, reward redemption, or card upgrades, IndusInd’s customer support offers round-the-clock assistance via call, email, and concierge hotline. Here’s a complete guide to help you get timely support.

📲 IndusInd Bank Credit Card Helpline Numbers

  • 📞 24×7 Customer Care: 1860 267 7777 (standard call charges may apply)
  • 🌍 For NRIs & International Users: Call +91-22-42207777 (accessible from abroad)

📧 Email Support

📱 Mobile App & Online Account Services

  • 📲 Track Reward Points: Log in to the IndusMoments portal for viewing and redeeming your points.
  • 💳 Manage Card Settings: Update limits, lock/unlock card, activate international usage, or enable contactless features.
  • 🔐 Security Management: Reset PIN, control spends by channel (POS/online/ATM), and monitor transaction alerts in real-time.

🛠️ Common Services for Legend Cardholders

  • ✅ Report lost or stolen card and request immediate blocking
  • ✅ Resolve issues with concierge bookings, flight or hotel reservations
  • ✅ Check eligibility for credit limit enhancement or milestone-based reward upgrades
  • ✅ Redeem points for vouchers, cashback, or travel using IndusMoments
  • ✅ Request add-on cards, update KYC or registered mobile number

🏢 Walk-in Help at IndusInd Bank Branches

You can visit any IndusInd Bank branch for in-person card services like submitting KYC, requesting card reissuance, or applying for additional services. Use the branch locator to find your nearest location.

💡 Pro Tip: Keep your registered mobile number and last 4 digits of your Legend Credit Card handy during any customer support interaction. It ensures faster verification and resolution.

🔎 Sources: IndusInd Legend Credit Card – Official Product Page, Customer Care & Contact Page, verified via customer care desk as of May 2025.

🧑‍💼 My Honest Experience Using the IndusInd Bank Legend Credit Card

As a frequent shopper and traveler, I’ve used the IndusInd Legend Credit Card for over 8 months. It’s positioned as a premium lifestyle card — and I can confidently say it delivers value for weekend spending, airport lounge access, and reward redemptions through IndusMoments.

✅ Quick Digital Application & Approval

I applied directly via the IndusInd official site. After uploading my Aadhaar, PAN, and income proof (ITR), I received instant eligibility confirmation. Approval SMS came within 24 hours, and the physical card was in hand in 4 working days.

🎯 Strong Weekend Rewards + Lounge Access

The card is clearly built for lifestyle users who spend more during weekends:

  • 2X reward points on weekend shopping, dining, and travel
  • Unlimited domestic & international airport lounge access via Priority Pass (no guest fee for 1st visit)
  • No expiry on reward points – use them anytime through IndusMoments

This makes it ideal for salaried professionals, business travelers, and frequent flyers who enjoy weekend dining and occasional splurges.

📵 Categories That Don’t Earn Points

Like most credit cards, a few spend categories are excluded from earning points:

  • ❌ Wallet reloads (Paytm, Amazon Pay, etc.)
  • ❌ Utility bills and insurance premiums
  • ❌ Government payments, rent transfers, and EMI transactions

These aren’t deal-breakers, but it’s good to focus your spending in categories that reward you better.

📲 Reward Tracking via IndusMoments

The IndusMoments rewards portal is intuitive and useful:

  • Track accumulated reward points in real time
  • Redeem for e-vouchers, cashback, flights, hotel stays, and merchandise
  • Browse curated lifestyle offers and dining discounts

🛍️ High-Value for Professionals & Frequent Spenders

The card works best when used strategically:

  • ✔ Weekend purchases give 2X rewards — perfect for groceries, travel, shopping
  • ✔ Airport lounge visits (unlimited) offer comfort while traveling
  • ✔ Annual fee waived on ₹3L yearly spend — which is achievable if used consistently

💬 Final Verdict

If you’re looking for a credit card that blends luxury travel benefits with everyday reward utility, the IndusInd Legend Credit Card is a solid option. It’s ideal for weekend reward maximizers, urban professionals, and travelers who value comfort, convenience, and redemption flexibility.

You can check eligibility or apply on the IndusInd Legend Credit Card official page.

🌟 Want a Premium Card for Weekend Rewards & Travel?

Enjoy 2X weekend reward points, unlimited lounge access, and lifetime-valid points with the IndusInd Bank Legend Credit Card.

✔ 2X Weekend Rewards
✔ No Expiry on Points
✔ Unlimited Lounge Access + Concierge

Apply Now – IndusInd Legend Credit Card

🔁 Best Alternatives to IndusInd Bank Legend Credit Card in 2025

The IndusInd Legend Credit Card is a solid premium card offering 2X weekend rewards, concierge support, and unlimited lounge access. However, if you’re looking for cards that offer better cashback, travel privileges, or zero annual fee, here are the top 6 alternatives to consider — each bringing its own reward structure and lifestyle compatibility.

💳 Credit Card Best For Rewards / Cashback Annual Fee
🟨 HDFC Regalia Credit Card
Best for Travel + Lifestyle
Domestic & international lounge access 4 points per ₹150, concierge, low forex fee ₹2,500 (waived on ₹3L spend)
🟧 Axis Magnus Credit Card
Best for High-End Travel
Luxury perks, airport upgrades, dining 12 EDGE Miles per ₹200 + monthly flight voucher ₹12,500 (₹25L spend waiver)
🟩 IDFC FIRST Wealth Credit Card
Best for Lifetime Free + Lounge
Lounge access with zero fee, offline EMI 10X on travel/dining, 6X on online retail ₹0 (Lifetime Free)
🟪 SBI ELITE Credit Card
Best for Entertainment & Golf
Golf sessions, movie tickets, lounge Up to 5X rewards, free BookMyShow offers ₹4,999 (₹5L spend waiver)
🟥 American Express SmartEarn Credit Card
Best for Premium Cashback Starters
Beginners seeking Amex rewards Up to 10X on Amazon, Flipkart, Swiggy ₹495 (waived on ₹40K spend)
🟦 AU Bank Zenith+ Credit Card
Best for Metal Card + Cashback
Premium cashback users, lounge & wellness 1.5%–2% cashback, concierge, wellness ₹4,999 (lifetime free with AU salary a/c)

💡 Expert Insight: If you want a metal premium card with high cashback, the AU Zenith+ is a great alternative. For international lounge access, Axis Magnus and HDFC Regalia are stronger options. Those seeking zero annual fee with lounge perks should go for the IDFC FIRST Wealth or Amex SmartEarn depending on usage style.

🤔 Is the IndusInd Bank Legend Credit Card Right for You? Maybe Not If…

The IndusInd Bank Legend Credit Card offers 2X weekend rewards, unlimited domestic lounge access, and concierge support — all packed into a premium lifestyle card. But it’s not a one-size-fits-all solution. Here’s when you might want to skip it:

  • You Spend Mostly on Weekdays: The card offers 2X reward points on weekend spending. If your major expenses fall during weekdays, you may not fully utilize its core benefit.
  • You Want Direct Cashback: Rewards are in the form of points redeemable via IndusMoments. If you’re looking for straightforward cashback without tracking redemption platforms, cards like Axis ACE or IDFC FIRST Millennia may offer better clarity.
  • You Don’t Travel Often: While the Legend Card offers unlimited lounge access across India, it’s underutilized if you rarely travel by air or don’t value premium airport perks.
  • You Seek International Travel Benefits: The Legend Card lacks features like air miles, low forex markup, or global lounge tie-ups. Frequent international travelers may prefer HDFC Regalia or Axis Magnus.
  • You Want Lifetime Free Credit Cards: The Legend Credit Card has an annual fee and doesn’t offer a lifetime free variant. If you’re fee-conscious, consider cards like Amazon Pay ICICI or IDFC FIRST Classic.
  • Your Spending is Mostly Utility-Based: No accelerated rewards are offered on categories like insurance, utility bills, or rent — which limits point accumulation for certain user profiles.

📌 Use Case Mismatch: If you’re more interested in flat cashback across categories, low annual fees, or digital-first experiences, you may benefit more from options like AU Bank Zenith+, SBI Cashback Card, or OneCard.

💡 Tip: The IndusInd Legend Credit Card is best for urban professionals, weekend spenders, and lounge enthusiasts who can maximize its 2X weekend rewards and concierge services. For everyday cashback users or budget cardholders, simpler reward cards may offer better ROI.

🏆 Editor’s Choice: IndusInd Bank Legend Credit Card – Best for Weekend Spenders & Premium Lifestyle Benefits

The IndusInd Bank Legend Credit Card is tailored for urban professionals and high-frequency spenders who want premium rewards, lifestyle privileges, and weekend-specific value. With unlimited domestic lounge access, 2X reward points on weekend transactions, and a concierge desk at your service, it’s ideal for those who spend big and expect more.

  • ✅ 2X Reward Points on all weekend spends (including dining, travel, shopping)
  • ✅ 1X Reward Points on weekday transactions
  • 🎁 Welcome Benefit: E-gift voucher worth ₹1,000+ on activation
  • 🛋️ Unlimited Domestic Lounge Access: Enjoy complimentary entry at major airports across India
  • 🛎️ 24×7 Concierge Services: For travel bookings, dining reservations & more
  • 💳 Annual Fee: ₹2,499 (exclusive GST) – includes premium lifestyle perks

Why Choose This Card:

  • Best suited for high spenders, weekend shoppers, and frequent air travelers
  • No reward expiry: Use your points anytime without worrying about timelines
  • Points redeemable via IndusMoments for cashback, e-vouchers, and premium merchandise
  • Concierge, auto-assist, and movie ticket BOGO offers included
  • ✅ Prefer zero annual fees? Explore the IDFC FIRST Classic Credit Card instead

🏁 Verdict: The IndusInd Legend Credit Card is a smart choice for affluent professionals, travelers, and lifestyle-focused users. If you spend heavily on weekends, value comfort and airport access, and want long-term reward utility — this is one of the top premium credit cards in 2025.

⚔️ IndusInd Legend vs Best Premium Lifestyle Credit Cards in India (2025)

The IndusInd Bank Legend Credit Card is tailored for high spenders who want weekend reward optimization, unlimited lounge access, and concierge privileges. But how does it compare to other premium lifestyle cards like HDFC Regalia, Axis Magnus, and SBI ELITE? Here’s a detailed side-by-side comparison.

FeatureIndusInd LegendHDFC RegaliaAxis MagnusSBI ELITEIDFC FIRST Wealth
Best ForWeekend rewards + unlimited domestic loungeFrequent flyers and lifestyle usersLuxury perks + monthly flight vouchersGolf, movies, and travel benefitsZero fee + lounge access
Top Rewards2X points on weekend spends4 points per ₹150 spent12 EDGE Miles per ₹200 + flight voucherUp to 5X reward points on all spends10X on travel/dining, 6X online
Lounge AccessUnlimited domestic (Priority Pass)Domestic + international loungesAirports + spa/wellness accessComplimentary access to lounges & golf coursesDomestic lounge access – zero fee
Concierge & Benefits24×7 concierge, travel bookings, movie offersDiners Club concierge, international offersLuxury concierge, airport privilegesBOGO movie, concierge, milestone rewardsPersonal banker, EMI offers, merchant deals
Annual Fee₹2,499 (no waiver)₹2,500 (waived on ₹3L spend)₹12,500 (waived on ₹25L spend)₹4,999 (waived on ₹10L spend)₹0 (Lifetime Free)
RedemptionIndusMoments portal – cashback, vouchersNetBanking – travel, vouchers, cashbackFlights, transfers, gift cardsSBI Rewards – travel, shopping, fuelInstant redemption to card, travel/vouchers
Standout Feature2X weekend rewards + unlimited loungesBalanced travel + lifestyle benefitsLuxury travel perks + milestone vouchersEntertainment + premium lifestyleLifetime free premium card + lounge

🧾 Summary Verdict:

  • IndusInd Legend: Best for weekend-heavy spending, unlimited domestic lounge access, and concierge services.
  • HDFC Regalia: Ideal for travelers who want both domestic and international lounge privileges and well-rounded rewards.
  • Axis Magnus: Built for luxury travelers and high net-worth individuals with milestone-linked benefits.
  • SBI ELITE: Appeals to users looking for a mix of lifestyle, golf, and entertainment perks.
  • IDFC FIRST Wealth: Perfect for those who want premium perks without an annual fee.

✅ Our Take: The IndusInd Legend Credit Card is a compelling pick for urban professionals, high spenders, and lounge users who want consistent value on weekend swipes. For international perks or zero-fee flexibility, explore Regalia or IDFC alternatives.

🎯 Is the IndusInd Bank Legend Credit Card Worth It?

The IndusInd Bank Legend Credit Card is a smart choice for high-income professionals, weekend shoppers, and frequent travelers who seek a rewarding lifestyle credit card with premium benefits. With 2X reward points on weekend spends, concierge assistance, and unlimited domestic lounge access, this card stands out in the premium cashback and lifestyle segment.

In 2025, it delivers solid long-term value thanks to its flexible rewards and luxury perks. You get:
2X reward points on all weekend dining, travel, and retail spends,
1X reward point on other transactions, and enjoy **no reward expiry** — making this card ideal for long-term cashback planners.

It also includes a complimentary e-gift voucher worth ₹1,000+ on activation, and unlimited access to airport lounges across India. The card is accepted globally and offers 24×7 concierge service — making it a preferred option for frequent flyers, urban spenders, and elite customers looking for premium benefits and flexibility.

💸 Annual Fee: ₹2,499 (lifetime benefits + concierge & lounge access)
🛍️ Best For: Professionals and premium users who value weekend rewards, airport comfort, and high-end privileges

❓ Frequently Asked Questions – IndusInd Bank Legend Credit Card

💡 What are the benefits of IndusInd Bank Legend Credit Card?

The card offers 2X rewards on weekend spends, unlimited domestic lounge access, concierge services, and reward points with no expiry. It is ideal for professionals who prefer weekend dining, shopping, and travel.

🏆 Which is better – Pinnacle or Legend?

The Legend Credit Card focuses on domestic lifestyle benefits and weekend rewards, while the Pinnacle Card is designed for international travel, higher limits, and golf benefits. Choose Legend for daily value; Pinnacle for global luxury.

🔍 What is the difference between IndusInd Legend and IndusInd RuPay Credit Card?

The Legend Card is a premium offering with concierge and lounge access, while RuPay cards by IndusInd focus more on domestic UPI compatibility and limited travel features.

📈 What is the minimum CIBIL score for approval?

IndusInd typically requires a CIBIL score of 725 or above for Legend Card approval. A higher score improves approval chances and limit eligibility.

💳 How much credit limit can I get on Legend Card?

Limits generally start at ₹75,000 and can go beyond ₹5 lakhs based on income, credit history, and banking relationship.

🏧 Can I withdraw cash using the Legend Credit Card?

Yes, you can withdraw from ATMs, but a cash advance fee of 2.5% (min ₹300) and daily interest from the date of withdrawal applies.

🎬 How to get free movie tickets?

Legend cardholders enjoy BOGO offers on movie tickets via BookMyShow. Monthly limits and T&C apply. Check the IndusInd promotions page regularly.

💰 What is the annual fee for the Legend Credit Card?

The annual fee is ₹2,499 + GST. Lifetime-free variants are available under specific campaigns or corporate tie-ups.

🆓 Is the Legend Credit Card lifetime free?

By default, it’s not. However, lifetime free offers may be available through exclusive invites or limited-time promotions.

❌ How to close the Legend Credit Card?

Call IndusInd customer care at 1860 267 7777 or visit the branch. Clear all dues before submitting a closure request.

🗓️ What is the billing cycle of the card?

The billing cycle is assigned based on your application and generally ranges between the 1st and 15th of each month. It can be viewed in your monthly statement.

📤 How can I check my credit card status?

Use the IndusMobile app or call customer care with your application number to track status.

🔓 How can I activate my card?

Activate using the IndusMobile app, NetBanking, or by generating a PIN through an ATM.

📉 How do I know my credit limit and due date?

Login to IndusMobile app or NetBanking → Navigate to “Credit Card” section → View credit limit, available balance, due date, and unbilled amount.

🛫 How to get a Priority Pass?

The Legend Credit Card offers Priority Pass membership on request. You need to register separately, and usage charges may apply beyond free visits.

🛋️ Does the Legend Credit Card include lounge access?

Yes, it offers unlimited domestic lounge access at partner airports via the Visa/Mastercard network. No international lounge is included by default.

🧑‍💼 Reviewed by: Tausif Shaikh, Certified Finance Blogger & Founder of Updatepedia | 📆 Last updated: May 2025

💭 Final Verdict – Is IndusInd Bank Legend Credit Card Worth It in 2025?

If you’re a high-spending urban professional looking for a premium lifestyle credit card with unlimited reward points, concierge services, and international lounge access, the IndusInd Bank Legend Credit Card is a solid contender. With 2X rewards on weekend spends and no expiry on points, this card is designed for those who value luxury, flexibility, and long-term reward accumulation.

  • ✔️ Best Suited For: Professionals, entrepreneurs, and frequent flyers who prioritize concierge access, international travel benefits, and elevated weekend rewards
  • ⚠️ Not Ideal For: Users seeking flat cashback, zero annual fee cards, or entry-level credit cards

The Legend card delivers unlimited 1 RP/₹100 on weekdays and 2 RP/₹100 on weekends, redeemable for vouchers, cashback, or air miles via IndusMoments. You also enjoy Priority Pass membership, domestic and international lounge access, and complimentary golf privileges — all bundled into a single offering with competitive annual charges.

✅ Bottom Line: The IndusInd Bank Legend Credit Card is ideal if you spend heavily on weekends, value no reward expiry, and want concierge-backed premium perks without complex milestone conditions. While not the cheapest card, it justifies its fee with elite lifestyle privileges and travel rewards that grow with you.

Tausif Shaikh

Tausif Shaikh is the Founder of Updatepedia.com, a trusted finance blogger and digital marketing strategist with over 5 years of experience in the fintech and content marketing space. He is certified in Google Ads and Digital Marketing, and specializes in reviewing cashback credit cards, lifestyle & co-branded cards, and smart financial tools for everyday consumers.

Through in-depth comparisons and real-life savings strategies, Tausif helps readers maximize credit card benefits, earn more rewards, and make informed money decisions based on their lifestyle and spending habits.

Follow Tausif for practical financial insights, unbiased reviews, and money-saving tips that actually work.

Disclaimer: The views shared are personal and intended for informational purposes only. Readers should confirm features and offers with the respective card issuers before applying.

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