IndusInd Bank Nexxt Credit Card
Verified · August 27, 2026
5.0/5.0
Updated on August 27, 2026
🎖️Reward Rate
Base Rewards: 1 Reward Point per ₹150 (1 Reward Point per ₹150 spent on all regular retail transactions)
Overview
IndusInd Bank Nexxt Credit Card by IndusInd Bank provides premium value tailored for Digital/Convertible cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 1 Reward Point per ₹150 (1 Reward Point per ₹150 spent on all regular retail transactions)
- • Accelerated Rewards: Accelerated point redemption directly at merchant checkout via the push-button Rewards mode
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash withdrawals
Welcome Benefit
Welcome gift vouchers worth ₹2,000 from premier retail and dining brands upon payment of joining fee and first card transaction within 30 days.; Qualification Criteria: Complete first POS / Online spend within 30 days; Fulfillment Timeline: Voucher dispatched via SMS within 45 days
Milestone Benefit
Spend ₹3 Lakhs (Annual): 2,000 bonus Reward Points on achieving ₹3 Lakhs annual spend; Annual Fee Waiver: Lifetime Free Card (Zero Annual Renewal Fees after one-time card issuance)
Redemption
- • Instant Point-of-Sale redemption by pressing the REWARDS button on the physical card
- • Convert transactions instantly into 6 or 12 month EMIs at POS by pressing the EMI button
- • Statement credit balance settlement at 1 RP = ₹0.50
Benefits
- Fuel Surcharge Waiver: 1% (Max waiver ₹250 per month) on fuel transactions between ₹400 and ₹4000
- 3 Push-Button Payment Modes with LED Glow: India's first interactive credit card with 3 physical push-buttons and LED glow indicators right on the card surface: 1) Press REWARDS to pay using accumulated points directly at checkout, 2) Press EMI to convert swipe into 6/12-month low-interest EMI, 3) Press CREDIT for standard interest-free credit swipe. (Built-in micro-battery with 5+ year lifespan
- Visual green LED illuminates the selected mode before swiping) [Partners: Dynamics Inc. Interactive Card Technology]
- BookMyShow Buy 1 Get 1 Free Movie Tickets: Buy 1 movie ticket and get 1 free up to ₹200 per ticket twice a month on BookMyShow (Savings up to ₹4,800/year). (Twice per calendar month
- Valid on all cinema bookings) [Partners: BookMyShow]
- 24x7 Roadside & Emergency Assistance: Comprehensive 24x7 roadside vehicle emergency support including fuel delivery, flat tyre assistance, towing, and locksmith assistance across 100+ cities in India. (Dedicated 24x7 helpline
- Emergency medical and taxi referral) [Partners: IndusInd Emergency Assist]
Things to Know Before you apply
IndusInd Bank Nexxt Credit Card Eligibility Criteria
- Age: 21–65 years
- Net monthly salary > ₹40,000 for salaried; Annual ITR > ₹5,00,000 for self-employed
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹2,000 |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% of withdrawn amount (Min ₹300) |
Fee waiver: Lifetime Free Card (Zero Annual Renewal Fees after one-time card issuance)
PaisaSimple Review
Overall Rating
5.0/5What do we like about this card?
IndusInd Bank Nexxt Credit Card issued by IndusInd Bank is one of India's leading credit cards for Digital/Convertible spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 1 Reward Point per ₹150 (1 Reward Point per ₹150 spent on all regular retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
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Fee Details
Joining Fee
₹2,000
Annual/Renewal Fee
Free
Joining Fee
₹7,000
Annual/Renewal Fee
₹7,000
Joining Fee
₹499
Annual/Renewal Fee
₹499
Welcome Benefit
- • Welcome gift vouchers worth ₹2,000 from premier retail and dining brands upon payment of joining fee and first card transaction within 30 days.
- • Qualification Criteria: Complete first POS / Online spend within 30 days
- • Fulfillment Timeline: Voucher dispatched via SMS within 45 days
- • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
- • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance
Reward/Cashback Rate
- • Base Rewards: 1 Reward Point per ₹150 (1 Reward Point per ₹150 spent on all regular retail transactions)
- • Accelerated Rewards: Accelerated point redemption directly at merchant checkout via the push-button Rewards mode
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash withdrawals
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
- • 24 Reward Points per ₹150 on fuel purchases at HPCL retail outlets, LPG purchases and via HP Pay App (up to 5% savings)
- • 10 Reward Points per ₹150 on utility & departmental store spends (up to 2% savings)
- • 2 Reward Points per ₹150 on all other categories
- • Accelerated points and fuel surcharge waiver apply only at eligible HPCL fuel outlets
Pros
- • Base Rewards: 1 Reward Point per ₹150 (1 Reward Point per ₹150 spent on all regular retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Up to 5% savings on HPCL fuel, LPG and HP Pay App transactions
- • Low ₹499 joining and annual fee
- • 4 complimentary domestic lounge visits per year
- • Annual fee waiver on ₹50,000 spend
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Accelerated rewards and surcharge waiver limited to eligible HPCL outlets
- • Age eligibility differs by employment type (21–60 salaried, 24–65 self-employed)
- • No specific minimum income figure disclosed