Welcome voucher
₹5,000 Welcome reward points.
Mid-tier
INDUSIND BANK · INDUSIND BANK NEXXT CREDIT CARD
IndusInd Bank Nexxt Credit Card
ANNUAL FEE
Free
FIRST-YEAR NET VALUE
₹9,860 for a mid spender · travel
INDUSIND BANK Nexxt
Updated 17 Sep 2026 6 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is IndusInd Bank's.
MONTHLY INCOME ₹0.5L+ Salaried or self-employed
CREDIT SCORE 750+ Excellent band preferred
AGE Adult Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹9,860 first-year net value · mid spender · travel
Category rewards ₹4,860
Welcome benefit· Welcome reward points ₹5,000
Net first-year value ₹9,860
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 0.27% back on eligible spends 1 pts 1 points per ₹150
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 0.3% back
Everything else (base) · 0.3%
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹10,000 · + 18% GST · one-time
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹4L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How IndusInd Bank Nexxt Credit Card has changed.
Last verified 17 Sep 2026.
- 17 Sep 2026 Earn rate corrected from 1 Reward Point per ₹100 (recorded at 1.0%) to 1 per ₹150 at about ₹0.40 per point (0.27%) per the product page; cash redemption cap of 2,500 points a month recorded. Fee schedule (₹10,000 joining, no annual fee) is not shown on the product page and was not re-verified. Card scores at roughly a quarter of its previous reward rate
- 21 Jan 2025 InterMiles redemption discontinued Further reduction in airline partner redemption options
- 31 Oct 2024 Club Vistara Airmiles redemption discontinued Reduced redemption options for airline miles
- 1 Sep 2024 Cash redemption capped at 2,500 points per month Limited monthly cash redemption potential
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: IndusInd Nexxt Credit Card product page (official), IndusInd Nexxt detailed product features T&C page (official), IndusInd Premium Credit Cards MITC PDF (official), IndusInd fuel surcharge waiver T&C page (official), IndusInd credit cards page (official; reward points no-expiry statement), indusind.bank.in. Next scheduled review: 17 Mar 2027.