IndusInd Bank Nexxt Credit Card
IndusInd Bank
A flat-rate card with no clear category acceleration — its LED-button design and insurance are the real differentiators.
₹10,000
Joining fee
Free
Annual fee
3.5%
Forex markup
3.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 750+
Estimated — not officially confirmed by the bank.
Age: 18–65
Salaried or self-employed professionals/business owners
Lounge access
0 domestic / 0 international visits per year
Not found by either aggregator source — likely no lounge benefit.
Key features
- 1 point/₹150 flat, points never expire
- ₹25 lakh personal air accident cover
- Interactive LED buttons on the physical card
Reward details
1 reward point per ₹150 spent (flat, no category acceleration)
Redemption
Cash credit at ₹0.75/point, capped 2,500 points/month, ₹100 redemption fee. Points never expire.
Caps: 10,000 points/month for mile redemption
- Two free movie tickets/month capped ₹200 each via BookMyShow.
- Personal air accident cover ₹25 lakh; Total Protect fraud cover; travel insurance.
- Flexible EMI at 12% for 6/12/18/24-month tenures.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Interactive LED buttons and flexible payment options praised — CreditMantri
Complaints
- Reward-redemption caps and limited travel benefits relative to the joining fee — CreditMantri
Sources
- Official — marketing copy only
- Aggregator — fees, eligibility, rewards
- Aggregator — eligibility, sentiment