IndusInd Bank

Nexxt

IndusInd Bank Nexxt

An IndusInd Mastercard with an interactive LED button that toggles your payment mode at checkout (Credit, Rewards, or EMI); one-time ₹10,000 joining fee, no annual fee, no lounge access.

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Last reviewed 26 July 2026

Fees

Joining fee

₹10,000

Annual fee

₹0

Waiver: There is no ongoing annual/renewal fee on this card — the one-time joining fee of ₹10,000 + GST is the only upfront charge, per the bank's own product page and corroborated by aggregators (BankBazaar, CardInsider).

Eligibility

Min. monthly income: ₹20,000

Min. CIBIL Score: 750+

Age: 21–65 yrs

Employment: salaried, self employed

Rewards

all other0.67x points

Welcome benefits

• Choice of a welcome gift voucher from a premium partner — Oberoi Hotels, Luxe, Postcard Hotels, or Montblanc — on card issuance, per the bank's product page and corroborated by BankBazaar and CardInsider. Exact voucher value is not disclosed.

Perks

✓Fuel surcharge waiver: 1%On transactions between ₹400 and ₹4,000, per BankBazaar and CardInsider.
✓Forex markup: 3.5%
✓Personal air accident cover of ₹25 lakh
✓Lost baggage cover of ₹1 lakh
✓Lost passport cover of ₹50,000
✓Total Protect fraud liability cover up to 48 hours before loss is reported
✓The card's signature feature is a built-in interactive LED button on the card face that lets the cardholder toggle the payment mode — Credit, Reward points, or EMI — at the point of sale, marketed by the bank as India's first interactive/button-equipped credit card
✓Reward points redeemable as cash credit at 1 point = ₹0.75 against the statement, with cash redemption capped at 2,500 points per year (effective 1 September 2024), per BankBazaar
✓Redemption fee of ₹100 per redemption; cash advance fee of 2.5% of the transaction amount (minimum ₹300)

Common questions

What is the annual fee on the IndusInd Bank Nexxt?: The joining fee is ₹10,000. The annual fee is ₹0. There is no ongoing annual/renewal fee on this card — the one-time joining fee of ₹10,000 + GST is the only upfront charge, per the bank's own product page and corroborated by aggregators (BankBazaar, CardInsider).
What are the reward rates on the IndusInd Bank Nexxt?: IndusInd Bank Nexxt earns 0.67x points on all other spends.
Does the IndusInd Bank Nexxt offer airport lounge access?: No, the IndusInd Bank Nexxt does not include complimentary airport lounge access.
Who is eligible for the IndusInd Bank Nexxt?: Applicants typically need a minimum monthly income of ₹20,000, a CIBIL Score of 750+, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by IndusInd Bank and can vary by application.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Everything else

₹

0.67x points

Estimated annual value—

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Annual fee

₹4,500

Up to

2x points

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Annual fee

₹10,000

Up to

2x points

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Annual fee

₹5,000

Up to

2x points

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Perks

✓Fuel surcharge waiver: 1%On transactions between ₹400 and ₹4,000, per BankBazaar and CardInsider.

✓Forex markup: 3.5%

✓Personal air accident cover of ₹25 lakh

✓Lost baggage cover of ₹1 lakh

✓Lost passport cover of ₹50,000

✓Total Protect fraud liability cover up to 48 hours before loss is reported

✓The card's signature feature is a built-in interactive LED button on the card face that lets the cardholder toggle the payment mode — Credit, Reward points, or EMI — at the point of sale, marketed by the bank as India's first interactive/button-equipped credit card

✓Reward points redeemable as cash credit at 1 point = ₹0.75 against the statement, with cash redemption capped at 2,500 points per year (effective 1 September 2024), per BankBazaar

✓Redemption fee of ₹100 per redemption; cash advance fee of 2.5% of the transaction amount (minimum ₹300)

Common questions

What is the annual fee on the IndusInd Bank Nexxt?

The joining fee is ₹10,000. The annual fee is ₹0. There is no ongoing annual/renewal fee on this card — the one-time joining fee of ₹10,000 + GST is the only upfront charge, per the bank's own product page and corroborated by aggregators (BankBazaar, CardInsider).

What are the reward rates on the IndusInd Bank Nexxt?

IndusInd Bank Nexxt earns 0.67x points on all other spends.

Does the IndusInd Bank Nexxt offer airport lounge access?

No, the IndusInd Bank Nexxt does not include complimentary airport lounge access.

Who is eligible for the IndusInd Bank Nexxt?

Applicants typically need a minimum monthly income of ₹20,000, a CIBIL Score of 750+, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by IndusInd Bank and can vary by application.

IndusInd Bank Nexxt

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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IndusInd Bank Nexxt

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