Side-by-side · honest numbers
IDFC FIRST Select Credit Card vs IndusInd Legend Credit Card
Honest side-by-side comparison of IDFC FIRST Select Credit Card, IndusInd Legend Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
IDFC FIRST Select Credit Card
IDFC FIRST Bank
IndusInd Legend Credit Card
IndusInd Bank
Your adjusted comparison
| Feature | IDFC FIRST Select Credit Card IDFC FIRST Bank | IndusInd Legend Credit Card IndusInd Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | Lifetime free |
| Fee waiver threshold | Lifetime free | Lifetime free |
| Min income | ₹30,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,381/yr | ₹936/yr |
| Top reward rate | 3X reward points | 1 reward point/₹100 |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | 2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Cap-aware split: ~₹1,393/yr combined NAV (₹12 vs best solo). Both annual fees apply.
Share this comparison
https://cardhungry.com/in/en/compare/idfc-first-select-vs-indusind-legendReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, IDFC FIRST Select Credit Card leads IndusInd Legend Credit Card by about ₹445/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | IDFC FIRST Select Credit Card IDFC FIRST Bank | IndusInd Legend Credit Card IndusInd Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | Lifetime free |
| Fee waiver threshold | Lifetime free | Lifetime free |
| Min income | ₹30,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,381/yr | ₹936/yr |
| Top reward rate | 3X reward points | 1 reward point/₹100 |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | 2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Select Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- IDFC FIRST Select Credit Card leads with an estimated ₹1,381/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IndusInd Legend Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
More IDFC FIRST Select Credit Card comparisons
- IDFC FIRST Select Credit Card vs 811 Dream Different Credit Card
- IDFC FIRST Select Credit Card vs AU Altura Credit Card
- IDFC FIRST Select Credit Card vs AU Altura+ Credit Card
- IDFC FIRST Select Credit Card vs AU LIT Credit Card
- IDFC FIRST Select Credit Card vs AU Zenith Credit Card
- IDFC FIRST Select Credit Card vs American Express Gold Card
- IDFC FIRST Select Credit Card vs American Express Platinum Travel Card
- IDFC FIRST Select Credit Card vs American Express SmartEarn Credit Card
- IDFC FIRST Select Credit Card vs Amex Membership Rewards CC
- IDFC FIRST Select Credit Card vs Axis Bank ACE Credit Card
- IDFC FIRST Select Credit Card vs Axis Bank Airtel Credit Card
- IDFC FIRST Select Credit Card vs Axis Bank Atlas Credit Card