IndusInd Legend Credit Card vs ZET FD Credit Card
IndusInd Bank · SBM Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
IndusInd BankScoreGood
Annual FeeFree
Max Reward1.5%
SBM BankScoreVery Good
Annual FeeFree
Max Reward5%
ZET FD Credit Card leads overall with a CardCheck Score of 75/100 (+7 pts over IndusInd Legend Credit Card).
4-Pillar Head-to-Head Breakdown
IndusInd vs ZETReward Power
35%IndusInd20/35
ZET34/35
ZET Wins
Fee Value & ROI
25%IndusInd25/25
ZET25/25
Tie (25/25)
Lounge & Travel
20%IndusInd11/20
ZET4/20
IndusInd Wins
Forex & Access
20%IndusInd12/20
ZET12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 68
- 75Best
- Rating Verdict
- Good
- Very Good
- Reward Power (35%)
- 20/35
- 34/35
- Fee Value & ROI (25%)
- 25/25
- 25/25
- Lounge & Travel (20%)
- 11/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- IndusInd Bank
- SBM Bank
- Network
- Visa
- RuPay
- Card type
- Regular
- Secured
- Best for
- Lifetime-free with lounge access — 4X on dining, weekend entertainment
- Building credit score with an FD-backed secured card and UPI rewards
03—Fees
- Joining fee
- Free
- Free
- Annual fee
- Free
- Free
- Interest-free days
- —
- 45
04—Interest
- APR (min)
- 42%
- —
- APR (max)
- 42%
- —
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- points
- cashback
- Min rate
- 0.5%
- 2%Best
- Max rate
- 1.5%
- 5%Best
06—Travel & Lounge
- Domestic lounge / qtr
- 1
- —
- Intl lounge / year
- 0
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 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
00of 03
03of 03
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 68 | 75Best |
| Rating Verdict | Good | Very Good |
| Reward Power (35%) | 20/35 | 34/35 |
| Fee Value & ROI (25%) | 25/25 | 25/25 |
| Lounge & Travel (20%) | 11/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | IndusInd Bank | SBM Bank |
| Network | Visa | RuPay |
| Card type | Regular | Secured |
| Best for | Lifetime-free with lounge access — 4X on dining, weekend entertainment | Building credit score with an FD-backed secured card and UPI rewards |
03—Fees Differences highlighted | ||
| Joining fee | Free | Free |
| Annual fee | Free | Free |
| Interest-free days | — | 45 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | — |
| APR (max) | 42% | — |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | cashback |
| Min rate | 0.5% | 2%Best |
| Max rate | 1.5% | 5%Best |
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% | — |
| 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 | 00of 03 | 03of 03 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | IndusInd Legend Credit Card | ZET FD Credit Card |
|---|---|---|
| CardCheck Score | 68/100Good | 75/100Very Good |
| Annual Fee | Free (₹0) | Free (₹0) |
| Fee Waiver Spend | No waiver | No waiver |
| Max Reward Potential | 1.5% | 5% |
| Domestic Lounge Access | 1 / quarter | Check terms |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose IndusInd Legend Credit Card if:
Your spending centers around lifetime-free with lounge access — 4x on dining, weekend entertainment and you want direct partner rewards with IndusInd Bank.
Choose ZET FD Credit Card if:
Your spending aligns with building credit score with an fd-backed secured card and upi rewards and you prioritize SBM Bank's redemption benefits.
Frequently asked questions: IndusInd Legend Credit Card vs ZET FD Credit Card
- Which is better: IndusInd Legend Credit Card or ZET FD Credit Card?
- ZET FD Credit Card holds a higher overall rating with a CardCheck Score of 75/100 (Very Good) compared to 68/100 (Good) for IndusInd Legend Credit Card (a lead of +7 points). ZET FD Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- IndusInd Legend Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone for renewal fee waiver. In comparison, ZET FD 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 IndusInd Legend Credit Card and ZET FD Credit Card?
- IndusInd Legend Credit Card offers a base reward rate of 0.5% and up to 1.5% on accelerated partner categories. Meanwhile, ZET FD Credit Card offers a base rate of 2% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: IndusInd Legend Credit Card or ZET FD Credit Card?
- IndusInd Legend Credit Card provides 1 domestic lounge visit(s) per quarter. On the other hand, ZET FD Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. 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?
- IndusInd Legend Credit Card levies a foreign currency markup fee of 3.5%, while ZET FD Credit Card charges 3.50%. 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).