IndusInd Nexxt Credit Card
Issuer Regulated by RBI
IndusInd Bank logo
IndusInd Bank

IndusInd Nexxt Credit Card

Earn rewards and benefits with IndusInd Nexxt Credit Card.

Mastercard
Regular
56
Overall CardCheck ScoreFair

Beginner & Zero Fee Fit Score

94/100

Best for: India's only switchable card — choose Credit, Rewards, or EMI mode per transaction

Joining Fee

₹10,000

Annual Fee

Free

Reward Rate (%)

0.5 – 0.65

Statement credit

Forex Markup

3.53%

Community
(0)
Your Rating

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CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Reward Power

15/35

Fee Value & ROI

25/25

Lounge & Perks

4/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category
Zero Fee & Starter
94/100
Online Shopping
84/100
Cashback Spends
80/100
Fuel & Petrol
62/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

IndusInd Nexxt Credit Card Benefits

1 Reward Point per ₹150 spent on eligible purchases.
Interactive card lets you choose Credit, Rewards or EMI at eligible POS terminals using physical buttons.
1 RP = ₹1 for eligible non-cash redemption options; ₹0.75/RP for cash credit.
Cash-credit redemption is capped at 2,500 RP per calendar month.
Minimum 500 RP required for cash-credit/eligible airline-mile redemption.
Buy 1 Get 1 movie ticket offer through BookMyShow, subject to the applicable monthly limit and ₹200 maximum benefit per ticket.

IndusInd Nexxt Credit Card Rewards

How you earn back on every swipe

cashback

Reward type

0.5% – 0.65%

Earn rate

IndusInd Nexxt Credit Card Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).

Joining fee₹10,000
Annual feeFree
Fee waiver on annual spendFree
Interest rate (APR)45.97% – 46%
Forex markup3.53%
Fuel surcharge waiverYes (₹500–₹3000)

IndusInd Nexxt Credit Card Lounge Access

Airport perks included with this card

0 per quarter

Domestic lounge visits

0 per year

International lounge visits

Spend Requirement: Up to US$35/person/visit; Nexxt gets Priority Pass on request but 0 complimentary visits

Card Features

Metal Card
Contactless
UPI Linked
Lifetime Free

🎉 Zero Annual Fee — 100% Net Profit

IndusInd Nexxt Credit Card has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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IndusInd Nexxt Credit Card Eligibility

Age21+ yrs – 65
Min. income₹25,000/month
CIBIL scoreCardCheck Estimate
700+

Pros & Cons

Pros
  • No annual renewal fee
  • Unique Credit / Rewards / EMI payment-selection feature
  • Reward Points offer multiple redemption options
  • ₹0.75/RP cash-credit value
  • BookMyShow BOGO movie benefit
  • 1% fuel surcharge waiver
  • Fuel-waiver cap of ₹250 per billing cycle
  • Contactless payment support
Cons
  • Very high ₹10,000 joining fee
  • Base earning is only 1 RP/₹150
  • Cash-credit value reduces to ₹0.75 per RP
  • Cash redemption limited to 2,500 RP per calendar month
  • Minimum 500 RP required for certain redemption options
  • No meaningful complimentary airport-lounge benefit
  • 3.5% forex markup, making it weak for international spending
  • Air-accident insurance was discontinued from 21 Dec 2025

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 14 Aug 2026

All IndusInd Bank credit cards →Best Cashback CardsZero Fee CardsBest Fuel Cards
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