DBS Vantage vs IndusInd Legend
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
DBS Vantage Credit Card wins 4 of 8 dimensions with a CardTrail Score of 8.7/10 vs 5.9/10.
| Feature | DBS Vantage | IndusInd Legend |
|---|---|---|
| CardTrail Score | 8.7/10 | 5.9/10 |
| Annual Fee | ₹50,000 | Free |
| Base Reward Rate | 2% | 0.75% |
| Max Reward Rate | 4% | 1.5% |
| Forex Markup | 1.75% | 1.8% |
| Domestic Lounges | -1 | 0 |
| International Lounges | -1 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa Infinite / Mastercard World |
When to Choose DBS Vantage
- You can meet the fee waiver condition: Spend Rs 10L/year
- You travel internationally — saves ₹50/year on ₹1L forex spend
- You want higher rewards — up to 4% vs 1.5%
- Your primary spend is: travel, forex, premium
When to Choose IndusInd Legend
- You want a lifetime free card with zero annual cost
- Airport lounge access matters — 0 domestic visits
- Your primary spend is: travel, premium, dining
Forex Cost Comparison
On ₹1,00,000 annual international spending: DBS Vantage costs ₹2,065 in forex fees vs IndusInd Legend at ₹2,124. You save ₹59/year with DBS Vantage.
Annual Fee Value Analysis
To break even on DBS Vantage's ₹50,000 fee at 2% rewards, spend ₹2,08,333/month.
IndusInd Legend is lifetime free — no break-even needed.