Axis SuperMoney RuPay vs IndusInd Legend Credit Card
Axis Bank · IndusInd Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreGood
Annual FeeFree
Max Reward3%
IndusInd BankScoreGood
Annual FeeFree
Max Reward1.5%
Even Match: Both cards tie with an identical CardCheck Score of 68/100.
4-Pillar Head-to-Head Breakdown
Axis vs IndusIndReward Power
35%Axis27/35
IndusInd20/35
Axis Wins
Fee Value & ROI
25%Axis25/25
IndusInd25/25
Tie (25/25)
Lounge & Travel
20%Axis4/20
IndusInd11/20
IndusInd Wins
Forex & Access
20%Axis12/20
IndusInd12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 68
- 68
- Rating Verdict
- Good
- Good
- Reward Power (35%)
- 27/35
- 20/35
- Fee Value & ROI (25%)
- 25/25
- 25/25
- Lounge & Travel (20%)
- 4/20
- 11/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- Axis Bank
- IndusInd Bank
- Network
- RuPay
- Visa
- Card type
- Co-branded
- Regular
- Best for
- UPI cashback,everyday cashback spends
- Lifetime-free with lounge access — 4X on dining, weekend entertainment
03—Fees
- Joining fee
- Free
- Free
- Annual fee
- Free
- Free
04—Interest
- APR (min)
- 45%
- 42%Best
- APR (max)
- 45%
- 42%Best
- Late payment fee
- ₹1,200
- —
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 1%Best
- 0.5%
- Max rate
- 3%Best
- 1.5%
- Point value
- ₹0
- —
- Monthly cap
- ₹500
- —
06—Travel & Lounge
- Domestic lounge / qtr
- —
- 1
- Intl lounge / year
- —
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- —
- 21
- Min income / month
- —
- ₹25,000
- Min CIBIL
- —
- 700
- Invite only
Rows won
02of 04
02of 04
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 68 | 68 |
| Rating Verdict | Good | Good |
| Reward Power (35%) | 27/35 | 20/35 |
| Fee Value & ROI (25%) | 25/25 | 25/25 |
| Lounge & Travel (20%) | 4/20 | 11/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | IndusInd Bank |
| Network | RuPay | Visa |
| Card type | Co-branded | Regular |
| Best for | UPI cashback,everyday cashback spends | Lifetime-free with lounge access — 4X on dining, weekend entertainment |
03—Fees Differences highlighted | ||
| Joining fee | Free | Free |
| Annual fee | Free | Free |
04—Interest Differences highlighted | ||
| APR (min) | 45% | 42%Best |
| APR (max) | 45% | 42%Best |
| Late payment fee | ₹1,200 | — |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 1%Best | 0.5% |
| Max rate | 3%Best | 1.5% |
| Point value | ₹0 | — |
| Monthly cap | ₹500 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | — | 1 |
| Intl lounge / year | — | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | — | 21 |
| Min income / month | — | ₹25,000 |
| Min CIBIL | — | 700 |
| Invite only | ||
| Rows won | 02of 04 | 02of 04 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Axis SuperMoney RuPay | IndusInd Legend Credit Card |
|---|---|---|
| CardCheck Score | 68/100Good | 68/100Good |
| Annual Fee | Free (₹0) | Free (₹0) |
| Fee Waiver Spend | No waiver | No waiver |
| Max Reward Potential | 3% | 1.5% |
| Domestic Lounge Access | Check terms | 1 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose Axis SuperMoney RuPay if:
You seek strong reward rates on Axis Bank's core ecosystem with an annual fee of Free (₹0).
Choose IndusInd Legend Credit Card if:
Your spending aligns with lifetime-free with lounge access — 4x on dining, weekend entertainment and you prioritize IndusInd Bank's redemption benefits.
Frequently asked questions: Axis SuperMoney RuPay vs IndusInd Legend Credit Card
- Which is better: Axis SuperMoney RuPay or IndusInd Legend Credit Card?
- Both Axis SuperMoney RuPay and IndusInd Legend Credit Card tie with an identical CardCheck Score of 68/100 (Good). Your choice should depend on specific category preferences and whether you prefer Axis Bank's or IndusInd Bank's merchant partnerships.
- How do annual fees and fee waiver spend rules compare?
- Axis SuperMoney RuPay charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone for renewal fee waiver. In comparison, IndusInd Legend Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between Axis SuperMoney RuPay and IndusInd Legend Credit Card?
- Axis SuperMoney RuPay offers a base reward rate of 1% and up to 3% on accelerated partner categories. Meanwhile, IndusInd Legend Credit Card offers a base rate of 0.5% and up to 1.5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Axis SuperMoney RuPay or IndusInd Legend Credit Card?
- Axis SuperMoney RuPay provides standard lounge access terms subject to bank quarterly spend criteria. On the other hand, IndusInd Legend Credit Card provides 1 domestic lounge visit(s) per quarter. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- Axis SuperMoney RuPay levies a foreign currency markup fee of 3.5%, while IndusInd Legend Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).