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Last updated: 01-06-2026
IndusInd Bank Nexxt Credit Card
Indusind Bank

IndusInd Bank Nexxt Credit Card

"World's first interactive credit card with LED display โ€” choose rewards mode in real-time between cashback, reward points or EMI with buttons on the card itself"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น1,500 + GST
๐Ÿ”„ Renewal Fee
โ‚น1,500 + GST
Waived: Annual fee waived on spending โ‚น2 lakh or more in the anniversary year
๐ŸŽฏ Best Suited For
Tech enthusiasts who want India's most innovative card experience; those who want to switch between cashback, reward points and EMI modes in real-time at the point of sale
๐ŸŽ Reward Type
Switchable: Cashback Mode (1.5% on all spends) OR Reward Points Mode (2 RPs per โ‚น100) โ€” toggle at POS via card buttons
๐ŸŽ‰ Welcome Benefit
Check current welcome offer on IndusInd Bank website
๐Ÿ’ฐ Reward Rate
Cashback Mode: 1.5% cashback on all eligible spends (auto-credited); Reward Points Mode: 2 RPs per โ‚น100 on all spends; EMI Mode: instant EMI conversion at POS; switch between modes using 3 buttons on the physical card with LED display confirmation; excludes fuel, cash advances
โœˆ๏ธ Lounge Access
2 complimentary domestic airport lounge visits per quarter on spending โ‚น25,000 in preceding quarter
๐Ÿ’ต Cashback Rate
1.5% in cashback mode on all spends
โญ Rate this Card
Click to rate
โœ… Pros
  • World's first interactive credit card with LED display
  • Switch between cashback, RP and EMI modes at POS
  • 1.5% flat cashback in cashback mode โ€” no categories to track
  • Low 1.8% forex markup
  • 2 domestic lounge visits per quarter
  • BOGO movies
  • Instant EMI at POS via card button
โŒ Cons
  • LED battery lasts ~3 years then card replacement needed
  • โ‚น1,500 annual fee for what's functionally a 1.5% cashback card
  • Lounge requires โ‚น25K quarterly spend
  • New June 2026 fuel charge above โ‚น30K
  • Add-on cards are standard (no LED)
  • High interest rate 3.83%/month

๐ŸŽ Rewards & Benefits

Reward Type
Switchable: Cashback Mode (1.5% on all spends) OR Reward Points Mode (2 RPs per โ‚น100) โ€” toggle at POS via card buttons
Welcome Benefits
Check current welcome offer on IndusInd Bank website
Reward Rate
Cashback Mode: 1.5% cashback on all eligible spends (auto-credited); Reward Points Mode: 2 RPs per โ‚น100 on all spends; EMI Mode: instant EMI conversion at POS; switch between modes using 3 buttons on the physical card with LED display confirmation; excludes fuel, cash advances
Reward Redemption
Cashback auto-credited in cashback mode; RPs redeemable via IndusMoments portal in RP mode; 1 RP = โ‚น0.40 for cash credit
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations on transactions โ‚น400 to โ‚น4,000
Lounge Access
2 complimentary domestic airport lounge visits per quarter on spending โ‚น25,000 in preceding quarter
Spend Based Fee Waiver
Annual fee waived on โ‚น2 lakh annual spend
Milestone Benefits
Annual fee waiver on โ‚น2L spend; lounge on โ‚น25K quarterly spend
Other Benefits
World's first interactive credit card with LED display and buttons; 3 modes switchable in real-time: cashback, reward points, EMI; 1.8% forex markup; 2 domestic lounge visits per quarter; Buy 1 Get 1 movies via BookMyShow; dining discounts; contactless payments; battery lasts 3 years (non-rechargeable)

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Air accident cover; zero card liability on reporting
Add-on Cards
Add-on cards for family (standard card โ€” no LED)
Concierge Services
Details coming soon
Special Offers
Interactive LED card; switchable modes; 1.8% forex; BOGO movies; 2 lounge visits per quarter

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น1,500 + GST
Annual Fee / Renewal Fee
โ‚น1,500 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น2 lakh or more in the anniversary year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.83% per month (45.96% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น300
Late Payment Charges
As per IndusInd Bank prevailing slab
Over Limit Charges
2.5% of overlimit amount
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
LED card battery non-rechargeable โ€” lasts approximately 3 years; card replacement may be needed; from June 15 2026: 1% fee on cumulative fuel spends above โ‚น30,000 per statement cycle; lounge requires โ‚น25K quarterly spend

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21+ years; salaried or self-employed; minimum monthly income โ‚น30,000; Indian resident; CIBIL 700+
Credit Score Requirement
700+ CIBIL recommended
Credit Limit
Based on income and IndusInd Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Instant EMI at POS via card button โ€” unique feature
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per IndusInd Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via IndusMobile app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero card liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860-267-7777 (24x7)
Chat / Email Support
Chat via IndusMobile app
Mobile App
IndusInd IndusMobile app
Online Banking
IndusInd Bank website

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:33 PM
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