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indusind legend vs pinnacle

Indusind offered me legend cc without joining fees with 2 lacks limit and on the other hand i asked them for pinnacle and they said for pinnacle i have to pay 15k joining fees. Which one should i take?
 
Pinnacle at max on few categories gives you 1.88% and a complimentary Exclusive account (with some hassle with branch).

Legend will gives you 1.5% with Select account (same hassle).

Other than that nothing, both are same.

If you have IDFC wealth then it almost equal to Pinnacle (and more benefit).
1) I am not living in idfc service area so can't take wealth.

2) I already have a exclusive account so i don't care about that.

and lastly I just want a indusind credit card for my portfolio, i am not gonna use it much except for offers. so, what should i do?
 
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