IndusInd Bank
IndusInd Nexxt Credit Card
Your rating
Community rating
Joining Fee
₹999
Annual Fee
₹999
Reward Rate
0.5% – 5%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
cashback
Reward type
0.5% – 5%
Earn rate
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Pros & Cons
- Unique switchable mode: Savings, Rewards, or Merchant EMI per transaction
- 5% savings on fuel and groceries (Savings mode)
- 2 Reward Points per ₹100 in Rewards mode
- Instant merchant EMI conversion without extra charges
- Annual fee waived on ₹1.5 lakh spend
- ₹999 annual fee
- No lounge access
- Requires active management to maximise savings
Who is this card for?
Tech-savvy cardholders who want flexibility — the ability to choose cashback, reward points, or EMI on every transaction makes it unique for those with varied spending patterns.
Quick Links
Data last updated 3 Apr 2026