IndusInd Nexxt Credit Card Review
Rewards card
The IndusInd Nexxt has a ₹10,000 joining fee and ₹0 annual fee + GST. It earns 0.5% back on regular spends. Best for: on-card payment flexibility and insurance — our verdict: consider.
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The IndusInd Nexxt stands out for its on-card LED buttons that switch between credit, points and EMI at the POS, alongside high-value points, strong insurance and monthly movie tickets, with no recurring annual fee. The Rs.10,000 joining fee, flat base earning and lack of free lounges keep it niche.
Rewards card
The Bottom Line
The IndusInd Nexxt is built for tech-curious user and movie-goer wanting insurance. With no annual fee, it offers personal air accident and 0.5% base rewards. It makes the most sense if your spending matches tech-curious user and movie-goer wanting insurance.
It earns a base reward rate of 0.5% and stacks best when your spending lines up with Tech-curious user, Movie-goer wanting insurance.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealThose drawn to the on-card LED pay-by-rewards/EMI feature and high-value points, with no recurring annual fee.
Users who value monthly buy-one-get-one movie tickets and a strong free insurance bundle.
Probably not for
SkipNo complimentary lounge visits despite the upfront fee.
The flat 1 RP per Rs.150 base with no accelerators yields weak returns on regular spends.
Is It Worth It For You?
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Reward Rates
IndusInd Nexxt offers 0.5% basic reward rate.
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Welcome Offer
Choice of complimentary welcome voucher from premium brands such as Montblanc, The Postcard Hotel, Oberoi Hotels, Luxe Gift Card, EazyDiner, and Vouchagram (Amazon, Flipkart, Uber, etc.).
Fees & Charges
Eligibility
- Min Income: ₹2.4 Lakhs
- Min Credit Score: 750
- Age 21+, min monthly income ~Rs 25,000 in metros, CIBIL 750+; unique interactive LED card with no renewal fee from year 2.
Exclusions & Terms
Forex markup
- Foreign currency markup
Rent payments through third-party merchants
- 1% fee + GST levied on each rent transaction made through third-party merchants, as per the MITC.
Cash Advances
- Does not earn reward points. Cash advance charge of 2.5% of the advance amount, subject to a minimum of Rs. 300.
Dynamic Currency Conversion (DCC)
- 1% markup fee plus taxes on transactions carried out in Indian currency at an international location or at merchants located in India but registered overseas.
Frequently Asked Questions
7 data-backed answers from our card database
Ready to apply?
No annual fee. Apply on the IndusInd Bank website.
Apply on IndusInd Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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