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IndusInd
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INDUSIND CARD
09/30
INDUSIND CARD
184

IndusInd Bank Nexxt Credit Card

Mastercard

IndusInd Nexxt is an innovative card with an embedded button to choose between EMI, rewards, or cashback for each transaction.

Best for: Flexible spending with EMI or rewards choice per transaction
Annual Fee
₹1,499
Finance Charge
3.5% /mo
Forex Markup
3.5%
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Welcome Benefit

1,499 reward points on joining.

Estimated value: ₹1,499

Condition: Welcome benefit is credited within 30–45 days of first transaction or after spending ₹1,499 within 90 days of card issuance.

Fees & Charges

Joining Fee₹1,499
Annual Fee₹1,499
Renewal Fee₹1,499
Add-on Card Fee₹0
Fee WaiverAnnual fee waived on ₹2,00,000 annual spend.
APR (Annual)45%
Finance Charge3.5% per month
Interest-Free DaysUp to 48 days
Cash Advance Fee2.5% (min ₹500)
Overlimit Fee2.5% of overlimit (min ₹500)

Rewards & Earn Rates

Program: IndusInd Reward Points (points) · 1 point = ₹0.25

CategoryEarn Rate
All Transactions (choice-based)Choose reward points, cashback, or EMI per transaction

Base reward points uncapped. Accelerated/bonus category points may be subject to monthly caps.

Points expire after 24 months

Lounge Access

domesticDreamfolks

1 domestic lounge visit per quarter.

4 visits/year

Insurance Cover

lost_card_liability

In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.

Zero liability on fraudulent transactions reported within 7 days

Zero Liability

Forex & Fuel

Forex Markup3.5%
Fuel Surcharge Waiver1% waiver
Monthly Cap₹100
Fuel Reward Rate1% fuel surcharge reversed. Standard reward points earned on fuel as per base rate.

Foreign currency markup of 3.5% is levied on all international transactions. DCC charges of 1% apply when merchant opts to charge in INR.

Eligibility

Age21+ years – up to 65 years
Min Monthly Income₹25,000
Credit Score725+

Salaried: ₹25,000+ per month. Age: 21–65.

Editor Rating

3.5
3.5
Overall
Rewards
3.8
Fees
4.2
Lounge
3.0
Travel
3.0
Shopping
3.5
Fuel
3.5
Beginner Friendly
3.8

Pros

  • + Good entry-level benefits
  • + Annual fee easily waived
  • + Fuel surcharge waiver

Cons

  • – Limited premium travel benefits
  • – Moderate reward rate on non-partner spends

The IndusInd Bank Nexxt Credit Card is a mid-range credit card from IndusInd Bank with a balanced rewards programme. At ₹1,499/year, the card is easily justified through fee waivers and regular usage benefits.

Frequently Asked Questions

What is the annual fee for the IndusInd Bank Nexxt Credit Card?▼
The annual fee is ₹1,499 + applicable GST. Fee waiver may be available on meeting annual spend milestones.
How do I redeem reward points on the IndusInd Bank Nexxt Credit Card?▼
Reward points can be redeemed via the bank's net banking portal or mobile app against flight/hotel bookings, statement credit, product catalogue, or transfer to partner loyalty programs. Minimum redemption thresholds apply.
What is the interest-free credit period?▼
You get up to 48 interest-free days from the date of transaction, provided you pay the full outstanding balance by the due date every month.
What happens if I miss the payment due date?▼
A late payment fee will be charged as per the bank's slab: Nil for statement balance up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹950 for ₹10,00... Additionally, finance charges of 3.5% per month will apply on the outstanding balance.
Is the card accepted internationally?▼
Yes, this card carries the Visa/Mastercard/RuPay network and is accepted at millions of merchants globally. A foreign currency markup fee applies on international transactions.