← Part of IndusInd Credit Cards in India
The IndusInd Nexxt Credit Card, launched in 2018, India’s first interactive credit card, featuring built-in LED lights and three selectable payment options. This card allows users to choose between EMI, Rewards, or Credit at the point of sale, offering flexibility for daily transactions.
| Parameter | Details |
|---|---|
| Card Type | Interactive Credit Card with built-in LED lights |
| Payment Options | EMI, Rewards, or Credit (selectable via buttons at POS) |
| Reward Points Earning | 1 Reward Point for every ₹150 spent across all categories |
| Reward Points Redemption | Cashback, Airmiles, products, vouchers, or ‘Pay with Points’ option. Maximum 2500 reward points allowed for cash redemption per calendar month (Effective 1st September 2024). |
| Fuel Surcharge Waiver | 1% waiver at any petrol pump across India |
| Movie Benefits | ‘Buy One Get One’ on BookMyShow (capped at ₹200 per free ticket) |
| Insurance Benefits | Complimentary Personal Air Accident Insurance of up to ₹25 lakhs |
| International Usage | Yes, for online and offline purchases both within India and internationally |
| Contactless Feature | Yes, for safe, secure, and convenient purchases |
| Auto Assist Services | Includes roadside repair, emergency towing, medical assistance, keys locked in, etc. |
| Minimum Transaction for Nexxt Card | ₹2,000 |
| EMI Tenure Options | 6, 12, 18, 24 months |
| Credit Limit Range | Typically ₹80,000 to ₹1 Lakh (subject to applicant profile) |
| Minimum Monthly Income | ₹50,000 (for credit limit consideration) |
| Total Savings Potential | Up to ₹7,080 annually (based on typical usage patterns) |
The Nexxt Credit Card combines innovative technology with practical benefits, making IT suitable for users seeking flexible payment solutions and rewards on everyday spending.
IndusInd Nexxt Card: Benefits & Privileges
The IndusInd Nexxt Credit Card offers unique interactive payment options, allowing users to choose between EMI, Rewards, or Credit at the point of sale. Cardholders earn 1 reward point for every ₹150 spent, with a maximum of 2,500 points redeemable for cash per month (effective September 1, 2024).
| Benefit Category | Specific Privilege | Details |
|---|---|---|
| Payment Flexibility | Interactive Payment Options | India’s first interactive credit card with in-built LED buttons to choose between EMI, Rewards, or Credit at the point of sale (POS). |
| Rewards Program | Reward Point Earning | Earn 1 Reward Point for every ₹150 spent across all categories. |
| Rewards Program | Reward Point Redemption | Redeem points for cashback (1 RP = ₹0.75 cash value), Airmiles, products, or vouchers. Maximum 2,500 reward points allowed for cash redemption per calendar month (effective Sep 1, 2024). |
| Fuel Benefits | Fuel Surcharge Waiver | 1% fuel surcharge waiver at any petrol pump across India, for transactions between ₹400 and ₹4,000. Maximum waiver of ₹250 per month. |
| Entertainment | Movie Ticket Offers | Buy One Get One free movie tickets on BookMyShow (up to 2 free tickets per month). Price of free ticket capped at ₹200. |
| Insurance & Security | Personal Air Accident Insurance | Complimentary Personal Air Accident Insurance of up to ₹25 lakhs. |
| Insurance & Security | Counterfeit Fraud Protection | Secures cardholders from counterfeit card frauds. |
| Travel & Assistance | Nexxt Auto Assist | Includes services like roadside repair, emergency towing, medical assistance, and help with keys locked in. |
| Shopping & Lifestyle | Exclusive Deals & Partnerships | Exclusive deals on brands like MakeMyTrip, AJIO, Tata CLIQ, and Flipkart through IndusMoments. Discount vouchers from Vouchagram for brands like Amazon, Flipkart, Zee5, Apollo Pharmacy. |
| Shopping & Lifestyle | Luxury & Lifestyle Access | Access to 30 global luxury brands across 30 cities in India with the Luxe Gift Card. |
| Card Features | Contactless Payments | Equipped with chip-based contactless technology for fast, secure, and convenient daily purchases. |
| International Usage | Global Transaction Capability | Can be used for online and offline purchases both within India and internationally. A forex markup of 3.5% on the transaction value applies. |
| EMI Options | Flexible EMI Tenures | Offers EMI tenure options of 6, 12, 18, and 24 months for eligible transactions. |
| Welcome Benefits | Choice of Welcome Gifts | Cardholders can select one option from a collection of welcome gifts upon card issuance. |
The IndusInd Nexxt Credit Card combines innovative payment technology with a range of lifestyle and security benefits, making IT suitable for diverse spending needs.
IndusInd Nexxt Credit Card: Fees & Charges
The IndusInd Nexxt Credit Card carries a one-time joining fee of ₹10,000, but no annual fee from the second year onwards. Cardholders also benefit from no charges on add-on cards, making IT cost-effective for family use.
| Fee Type | Amount (Rs.) | Details |
|---|---|---|
| Joining Fee | ₹10,000 | One-time fee to get the card, plus applicable taxes. |
| Annual Fee | ₹0 | No annual fee charged from the second year onwards. |
| Add-on Card Fee | ₹0 | No fee for supplementary cards. |
| Fuel Surcharge Waiver | 1% | Waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹250 per statement cycle. |
| Forex Markup | 3.5% | Applicable on all international transactions. |
| Reward Redemption Value (Cashback) | ₹0.75 per point | Conversion rate for reward points to cash credit. |
| Maximum Reward Points for Cash Redemption | 2,500 per month | Limit effective from September 1, 2024. |
| EMI Interest Rate | 12% p.a. | For flexible EMI options (6, 12, 18, and 24 months). |
Understanding these charges helps manage the card effectively, especially the forex markup for international travel and the monthly CAP on reward point redemption for cashback.
How IndusInd Nexxt Card Works
The IndusInd Nexxt Credit Card is India’s first interactive credit card, featuring built-in LED lights and buttons for payment selection. This card offers three distinct payment options directly at the point of sale (POS): EMI, Rewards, or Credit.
Cardholders can switch between these modes instantly, providing flexibility for daily purchases and larger transactions.
- Interactive Payment Modes: The card features LED buttons allowing users to select between EMI, Rewards, or Credit payment options at the POS.
- EMI Conversion: Transactions above ₹2,000 can be converted into EMIs with tenure options of 6, 12, 18, or 24 months.
- Reward Points Earning: Cardholders earn 1 reward point for every ₹150 spent across all categories.
- Reward Redemption Flexibility: Accumulated reward points can be redeemed for cashback, Airmiles, products, or vouchers via the rewards catalogue or the ‘Pay with Points’ option.
- Cash Redemption Limit: Effective September 1, 2024, the maximum reward points allowed for cash redemption is 2,500 per calendar month.
- Fuel Surcharge Waiver: The card offers a 1% fuel surcharge waiver at all petrol pumps across India.
- Personal Air Accident Insurance: Cardholders receive complimentary Personal Air Accident Insurance coverage of up to ₹25 lakh.
This card integrates advanced technology to offer a unique and convenient payment experience for Indian consumers.
IndusInd Nexxt Card Eligibility
To qualify for the IndusInd Nexxt Credit Card in 2026, applicants generally need a strong CIBIL score and a stable income source. IndusInd Bank assesses eligibility based on age, employment status, and financial history.
The table below outlines the typical eligibility criteria for the IndusInd Nexxt Credit Card:
- Age: Applicants must be between 21 and 60 years old.
- Residency: The applicant must be a resident of India.
- Employment Status: Both salaried and self-employed individuals are eligible.
- Minimum Income: While specific figures vary, a stable monthly income of at least ₹25,000 to ₹30,000 is generally expected.
- Credit Score: A CIBIL score of 700 or higher is preferred for approval and better terms.
- Existing Relationship: Having an existing banking relationship with IndusInd Bank can sometimes help the application process.
Meeting these criteria increases the likelihood of approval for the IndusInd Nexxt Credit Card.
IndusInd Nexxt Card vs Legend Card
The IndusInd Nexxt Credit Card offers unique interactive payment options, while the Legend Credit Card focuses on premium rewards and travel benefits. Both cards target affluent individuals with high income thresholds, typically ₹2 lakh per month.
| Feature | Nexxt Credit Card | Legend Credit Card |
|---|---|---|
| Card Type | India’s first interactive credit card with built-in LED lights and buttons | Premium card for affluent individuals, focused on luxury perks and rewards |
| Payment Options | Flexible options to choose between EMI, Rewards, or Credit at POS | Standard credit payment options |
| Target User | Experienced cardholders wanting flexible payment options and premium perks | Affluent individuals, rewards and travel-focused cardholders |
| Joining Fee | ₹10,000 (plus applicable taxes) | Not explicitly mentioned in comparison snippets |
| Annual Fee | ₹0 (from 2nd year onwards) | Not explicitly mentioned in comparison snippets |
| Eligibility (Income) | Higher income (often ₹2 lakh per month or equivalent relationship value) | Higher income (often ₹2 lakh per month or equivalent relationship value) |
| Reward Points | 1 reward point per ₹150 spent across all categories, Pay with Points option | Accelerated benefits on weekend spends, base reward rate on excluded categories (utility bills, insurance, education) |
| Max Reward Points for Cash Redemption | 2,500 per calendar month (effective September 1, 2024) | Not explicitly mentioned in comparison snippets |
| Fuel Surcharge Waiver | 1% waiver on fuel surcharge at any petrol pump across India | Not explicitly mentioned in comparison snippets |
| Movie Benefits | Free movie ticket capped at ₹200 (BookMyShow) | Not explicitly mentioned in comparison snippets |
| Lounge Access | Not explicitly mentioned in comparison snippets | 1 complimentary domestic airport lounge visit per quarter (Visa Signature/MasterCard) |
| Insurance Coverage | Complimentary Personal Air Accident Insurance of upto ₹25 lakhs, Counterfeit fraud protection | Insurance coverage for lost baggage, delayed baggage, loss of passport, lost ticket, and missed connection |
The Nexxt Card prioritizes on-the-spot payment flexibility, while the Legend Card offers broader travel and lifestyle insurance benefits for its users.
Applying for IndusInd Nexxt Card
Applying for the IndusInd Nexxt Credit Card in 2026 involves meeting specific eligibility criteria and submitting required documentation. The card is India’s first interactive credit card, offering payment flexibility at the push of a button.
- Eligibility Check: Applicants must fulfill criteria related to income, age, occupation, and CIBIL score. A minimum monthly income of ₹50,000 is generally required for a credit limit between ₹80,000 and ₹1 lakh.
- Document Submission: documents include identity proof (e.g., PAN card, Aadhaar card), address proof (e.g., utility bills), and income proof (e.g., salary slips, bank statements, ITR).
- Online Application: The application can be initiated through the IndusInd Bank official website, where an online form needs to be completed with personal and financial details.
- In-Branch Application: Alternatively, individuals can visit an IndusInd Bank branch to apply in person, receiving assistance from bank representatives for the application process.
- Processing Time: After submission, the bank verifies the documents and assesses eligibility, with approval typically taking a few business days, followed by card dispatch.
The IndusInd Nexxt Credit Card carries a joining fee of ₹10,000, with no annual fee from the second year onwards.
Key Takeaways
- The IndusInd Nexxt Credit Card is India’s first interactive card, featuring LED buttons for payment options like EMI, Rewards, or Credit.
- Eligibility for the card typically requires a minimum monthly income of ₹50,000, supporting a credit limit of ₹80,000 to ₹1 lakh.
- The card has a joining fee of ₹10,000, but no annual fee is charged from the second year onwards.
Check your eligibility and apply for the IndusInd Nexxt Credit Card on the official IndusInd Bank website.
Frequently Asked Questions (FAQs)
What is the IndusInd Nexxt Credit Card?
The IndusInd Nexxt Credit Card is India’s first interactive credit card, launched by IndusInd Bank. IT features in-built LED lights and buttons that allow you to choose your payment mode at the point of sale: EMI, Credit, or Rewards. This unique functionality offers flexibility in managing your transactions directly from the card.
What are the main benefits of the IndusInd Nexxt Credit Card?
The card offers flexibility with its interactive payment modes (EMI, Credit, Rewards) and a reward program. You earn 1 reward point for every ₹150 spent, redeemable for cashback, Airmiles, or products. Cardholders also receive a 1% fuel surcharge waiver across all fuel stations in India.
How do the interactive buttons on the Nexxt Credit Card work?
The interactive buttons on the Nexxt Credit Card allow you to select your preferred payment option at a merchant’s point-of-sale terminal. You can choose to pay via EMI, use your available credit limit, or redeem accumulated reward points instantly. This provides immediate control over your payment method during a transaction.
What are the reward point redemption options for the IndusInd Nexxt Credit Card?
IndusInd Nexxt Credit Card reward points can be redeemed for cashback, Airmiles, products, or vouchers through the bank’s rewards catalogue. You can also use the ‘Pay with Points’ option directly at the point of sale by pressing the ‘Rewards’ button on the card. Effective September 1, 2024, the maximum reward points allowed for cash redemption is 2,500 per calendar month.
What is the annual fee for the IndusInd Nexxt Credit Card?
The IndusInd Nexxt Credit Card typically comes with a joining fee and an annual fee. As of early 2026, the joining fee is often ₹1,999, and the annual fee is also ₹1,999, though these can vary based on ongoing offers. Always verify the latest fee structure directly with IndusInd Bank before applying.
What are the eligibility criteria for the IndusInd Nexxt Credit Card?
To be eligible for the IndusInd Nexxt Credit Card, applicants must generally be Indian residents between 21 and 60 years old. A stable income source and a CIBIL score of 750 or higher are usually required. Specific income thresholds vary by bank policy and applicant profile.
Does the IndusInd Nexxt Credit Card offer any insurance benefits?
Yes, the IndusInd Nexxt Credit Card provides complimentary personal air accident insurance coverage of up to ₹25 lakh. IT also offers protection against counterfeit card fraud, security for cardholders. These benefits are subject to the terms and conditions outlined by IndusInd Bank.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.