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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Research coverage — 9/16 categories
IndusInd

Legend Credit Card

Best forDining
Earns2 RP/₹100 on dining
1st Year / Joining Fee
Not recorded
Annual fee ₹0
Renewal Fee
Not recorded
Fee waiver
None
Network
Not recorded

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on dining, where it earns 2 RP/₹100

How you earn

Reward rates at a glance — exactly as recorded for this card.

Dining2 RP/₹100
All 16 reward categories · 9 of 16 categories verified
CategoryRateCapCondition
Rent——Standard verified retail earn rate
Details
Status
Verified
Issuer note
Standard verified retail earn rate.
Education——Standard verified retail earn rate
Details
Status
Verified
Issuer note
Standard verified retail earn rate.
Insurance——Standard verified retail earn rate
Details
Status
Verified
Issuer note
Standard verified retail earn rate.
Utilities——Standard verified retail earn rate
Details
Status
Verified
Issuer note
Standard verified retail earn rate.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Bank-wide policy effective 01-Apr-2018: Fuel transactions do not accrue reward points. 1% fuel surcharge waiver applies.
Groceries——Standard verified retail earn rate
Details
Status
Verified
Issuer note
Standard verified retail earn rate.
Dining2 RP/₹100—Standard verified retail earn rate
Details
Status
Verified
Source
S-IND03-01
Issuer note
Standard verified retail earn rate.
Food Delivery——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Shopping——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Travel——Standard verified retail earn rate
Details
Status
Verified
Issuer note
Standard verified retail earn rate.
Government——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Wallet——Standard verified retail earn rate
Details
Status
Verified
Issuer note
Standard verified retail earn rate.
Railways——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
FASTag——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Jewellery——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Telecom——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
Not recorded
Annual fee ₹0
Renewal Fee
Not recorded
Fee waiver
None
Reward caps

No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.

Spending thresholds
  • Spend ₹25,000 per year 1 → Spend ₹25,000 in Year 1 -> 4,000 bonus RP (valued at ₹0.50 = ₹2,000)

Key benefits

Rewards
2 RP/₹100 on dining
Foreign-currency markup
1.8% forex
Milestone benefit
Spend ₹25,000 in Year 1 -> 4,000 bonus RP (valued at ₹0.50 = ₹2,000)

Important to know

Limits and exclusions that change what you earn.

  • No reward on: Fuel
  • Spend ₹25,000 per year 1 → Spend ₹25,000 in Year 1 -> 4,000 bonus RP (valued at ₹0.50 = ₹2,000)
  • Research pending: Food Delivery, Shopping, Government, Railways +3 more — not counted

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in dining
△ Less useful if
  • Much of your spending is in fuel, which earn nothing
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 0 caps · 1 no-reward categories
Caps

No cap recorded.

Categories with no reward or not eligible
  • Fuel — No reward.
Milestones · 1 recorded
  • Spend ₹25,000 per year 1 → benefit worth ₹2,000 — Spend ₹25,000 in Year 1 -> 4,000 bonus RP (valued at ₹0.50 = ₹2,000).
Eligibility

Subject to IndusInd's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: Not recorded
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: 1.8% forex
Other categories recorded for this card
  • Online Shopping — —. Standard verified retail earn rate
  • Offline Shopping — —. Standard verified retail earn rate
  • Flights — —. Standard verified retail earn rate
  • Hotels — —. Standard verified retail earn rate
  • UPI — Not a good fit. Visa/Mastercard credit card rails unsupported for Credit on UPI per RBI/NPCI regulatory framework
  • International — —. Standard verified retail earn rate
  • EMI — —. Standard verified retail earn rate
What DhanChakshu couldn't fully verify · 10 areas

10 areas need further verification. None of these are counted as zero.

  • • Food Delivery — research pending
  • • Shopping — research pending
  • • Government — research pending
  • • Railways — research pending
  • • FASTag — research pending
  • • Jewellery — research pending
  • • Telecom — research pending
  • • Lounge benefit — not recorded; check the issuer terms
  • • Fuel surcharge waiver — not recorded; check the issuer terms
  • • Payment network — not recorded

Sources & verification

Verification & sources · last checked 2026-09-26

Verification coverage: 9 of 16 categories verified · 7 still being verified

Card record last checked: 2026-09-26

Documents used
Official card page · S-IND03-01 · 2026-09-26
IndusInd Bank Official Fuel Surcharge Waiver T&C · S-BW-15 · 2026-09-26
Legend Credit CardAnnual fee ₹0