Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
IndusInd Bank Legend Credit Card vs OneCard Metal Credit Card for ₹100,000 Monthly Spend
Comparing IndusInd Bank Legend Credit Card vs OneCard Metal Credit Card at ₹100,000/month. IndusInd Bank Legend Credit Card wins, delivering ₹8,670 net annual value (0.72% ROI) vs ₹7,368 for OneCard Metal Credit Card.
Interactive Head-to-Head Simulator
Test Your Monthly Spend & Category Mix
Simulates real-world capping thresholds, 18% GST deductions, and bank waiver rules in real time.
₹1,00,000(₹12,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹1,00,000/mo+ ₹1,302/yr Higher Value
IndusInd Bank Legend Credit Card
Delivers ₹8,670 net annual returns (0.72% ROI) vs ₹7,368 on OneCard Metal Credit Card.
Card A
IndusInd Bank Legend Credit Card
IndusInd Bank
₹8,670Net Annual Benefit
Gross Rewards:₹8,670/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:0.72%
Card B
OneCard Metal Credit Card
Federal Bank
₹7,368Net Annual Benefit
Gross Rewards:₹7,368/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:0.61%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹12,000/year Extra YieldPair IndusInd Bank Legend Credit Card + SBI Cashback Credit Card
Pair IndusInd Bank Legend Credit Card with SBI Cashback Credit Card to capture up to ₹12,000/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹1,00,000/mo)
| Spend Category | Monthly Spend | IndusInd Bank Legend Credit Card | OneCard Metal Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹25,000/mo | ₹250 (1%) | ₹250 (1%) |
| Scan & Pay Merchant UPI | ₹15,000/mo | ₹113 (0.75%) | ₹30 (0.2%) |
| Electricity, Water, Gas & Broadband Bills | ₹12,000/mo | ₹60 (0.5%) | ₹24 (0.2%) |
| Swiggy, Zomato & Dining Out | ₹12,000/mo | ₹120 (1%) | ₹120 (1%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹10,000/mo | ₹75 (0.75%) | ₹100 (1%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on ₹400-₹4,000 transactions | ₹8,000/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹8,000/mo | ₹80 (1%) | ₹80 (1%) |
| LIC, Health & Term Insurance Premiums | ₹5,000/mo | ₹25 (0.5%) | ₹10 (0.2%) |
| House Rent & School/College FeesRent and wallet transactions excluded from reward points | ₹5,000/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex Spends | ₹0/mo | ₹0 (0.75%) | ₹0 (1%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹12,00,000/yr | +₹8,670 | +₹7,368 |
Frequently Asked Questions
Which card is better between IndusInd Bank Legend Credit Card and OneCard Metal Credit Card for ₹100,000/month?▼
At ₹100,000/month (₹1,200,000/year), IndusInd Bank Legend Credit Card mathematically outperforms OneCard Metal Credit Card by ₹1,302/year. IndusInd Bank Legend Credit Card delivers ₹8,670 net annual benefit (0.72% effective yield), while OneCard Metal Credit Card returns ₹7,368 (0.61% effective yield).
Will the annual fee be waived at ₹100,000 monthly spend?▼
On an annual spend of ₹1,200,000: IndusInd Bank Legend Credit Card annual fee is waived (₹0). OneCard Metal Credit Card annual fee is waived (₹0).
How do reward caps impact the earnings on both cards?▼
At this spend tier, IndusInd Bank Legend Credit Card loses ₹0/year to monthly cashback caps, while OneCard Metal Credit Card loses ₹0/year. IndusInd Bank Legend Credit Card remains uncapped at this spend. OneCard Metal Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between IndusInd Bank Legend Credit Card and OneCard Metal Credit Card?▼
IndusInd Bank Legend Credit Card maintains superior net value across all standard monthly spend brackets between ₹15,000 and ₹2,00,000.