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SBI IndiGo vs IndusInd Legend

Compare SBI IndiGo vs IndusInd Legend across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

IndusInd Legend leads on reward rate, while SBI IndiGo has the lowest annual fee.

Card 1

SBI IndiGo

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.5.2

Card 2

IndusInd Legend

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.7.4
SBI IndiGo Credit Card
Balanced value5.2

sbi / VISA

SBI IndiGo

Annual

₹1,499

Return

3%

Lounges

6

Forex

3.5%

Card summary
  • SBI IndiGo leans travel and lifestyle with ₹1,499 annual fee, 3% headline return potential, and 6 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹1,499 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 6 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
IndusInd Legend - INDUSIND credit card
Premium stack7.4

indusind / VISA

IndusInd Legend

Annual

₹5,000

Return

4%

Lounges

12

Forex

2.5%

Card summary
  • IndusInd Legend leans travel and lifestyle with ₹5,000 annual fee, 4% headline return potential, and 12 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹5,000 annual fee.
  • 4% reward rate can outperform flat cashback for loyal users.
  • 12 lounge access adds travel utility.
Cons
  • 2.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Best when annual benefits are actively redeemed.

Full card details
Metric
SBI IndiGo
IndusInd Legend
Fees
Annual fee
₹1,499
₹5,000
Joining fee
₹1,499
₹5,000
Rewards
Cashback rate
1%
1%
Reward rate
3%
4%
Travel
Forex markup
3.5%
2.5%
Domestic lounges
4
8
International lounges
2
4
Benefits
Fuel waiver
Yes
Yes
Dining
No
Yes
Movies
No
Yes
Eligibility
Minimum income
₹6,00,000
₹12,00,000

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