What is the annual fee for IndusInd Nexxt Credit Card?

The annual fee for IndusInd Nexxt Credit Card is ₹999. The fee is waived on annual spend above ₹1,50,000.

What is the joining fee for IndusInd Nexxt Credit Card?

The one-time joining fee for IndusInd Nexxt Credit Card is ₹999.

What are the rewards and benefits of IndusInd Nexxt Credit Card?

IndusInd Nexxt Credit Card earns cashback rewards. Reward rate ranges from 0.5% to 5%.

What lounge access benefits does IndusInd Nexxt Credit Card provide?

IndusInd Nexxt Credit Card provides 0 domestic lounge visits per quarter and 0 international lounge visits per year.

What is the eligibility criteria for IndusInd Nexxt Credit Card?

To be eligible for IndusInd Nexxt Credit Card, you need a minimum monthly income of ₹25,000.

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IndusInd Bank

IndusInd Nexxt Credit Card

Name: IndusInd Nexxt Credit Card
Brand: IndusInd Bank
Price: 999 INR
Availability: InStock

The IndusInd Nexxt Credit Card is a first-of-its-kind switchable card in India that allows you to choose your benefit mode for every transaction: Savings (0.

Regular

CardCheck ScoreVery Good

Top Category Performance

Cashback (95/100)

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

Joining Fee

₹999

Annual Fee

₹999

Reward Rate (%)

0.5 – 5

Forex Markup

3.5%

Community

(0)

Your Rating

Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

CardCheck Rating & Score

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

Very GoodScore / 100

Reward Power

34/35

Fee Value & ROI

20/25

Lounge & Perks

4/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category

Cashback Spends

95/100

Online Shopping

84/100

Dining & Food

70/100

Zero Fee & Starter

65/100

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

Switch between Savings (0.5% cashback), Rewards (2 RP/₹100), or EMI mode per transaction

5% cashback on fuel and grocery in Savings mode

Instant EMI conversion without extra interest in Merchant EMI mode

Annual fee waived on ₹1.5 lakh annual spend

1% fuel surcharge waiver at petrol pumps

IndusInd Nexxt Credit Card Rewards

How you earn back on every swipe

cashback

Reward type

0.5% – 5%

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 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.

Joining fee₹999

Annual fee₹999

Fee waiver on annual spend₹1,50,000

Interest rate (APR)42%

Forex markup3.5%

Fuel surcharge waiverYes

IndusInd Nexxt Credit Card Lounge Access

Airport perks included with this card

0 per quarter

Domestic lounge visits

0 per year

International lounge visits

Card Features

Metal Card

Contactless

UPI Linked

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹1,50,000/yr

Your Estimated Monthly Spend:₹12,500/mo

Presets:

Annual Fee 100% Waived₹1,50,000 / ₹1,50,000

🎉 Annual renewal fee 100% waived! At ₹12,500/mo (₹1,50,000/yr), your ₹999 fee drops to ₹0.

Gross Rewards+₹7,500

Effective Fee₹0 (Waived)

Net Profit/Yr+₹7,500

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 score700+

Pros & Cons

Pros

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

Cons

₹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.