Is there a joining fee?

Yes. The Nexxt card carries a one-time joining fee of ₹10,000.

What is the annual fee?

There is no annual renewal fee for the Nexxt Credit Card.

How are reward points earned?

You earn 1 reward point for every ₹150 spent on eligible transactions.

Can I convert transactions to EMI?

Yes — the card supports EMI conversion. The interactive button on the card lets you choose EMI at POS.

How do I redeem reward points?

Redeem via the bank’s reward portal (IndusMoments) or partner redemption channels per the rewards catalogue.

Is contactless available?

Yes — the Nexxt Credit Card supports contactless payments.

Credit Cards/IndusInd Bank/Nexxt Credit Card

Nexxt Credit Card

IndusInd Bank

Last updated: Feb 03, 2026

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Annual Fee

₹0

Joining Fee

₹10,000

Forex Fee

Free

Lounge Access

No lounge access

The Nexxt Credit Card from IndusInd Bank is an interactive, next-gen card with built-in payment buttons that let you choose EMI, reward redemption or full credit at the POS. It delivers a base rewards programme, useful lifestyle and travel benefits, and innovative payment flexibility for frequent shoppers. Ideal for users who value flexible payment options and technology-forward features.

Features of Nexxt Credit Card which makes it unique

Interactive Buttons

LED-equipped buttons for payment mode selection

Choose payment type instantly at POS

First-of-its-kind interactive feature

Flexible EMI Options

Convert transactions to EMI via button selection or bank channels

Flexible repayment tenures

Convenient at checkout

Rewards Structure of Nexxt Credit Card

Base Rewards

base

All merchants

Reward Rate:1 point/₹150

Monthly Cap:no

Standard earn rate across categories

Redemption

base

Online at partner portals and via bank redemption portal

Reward Rate:See reward catalogue

Monthly Cap:varies

Redeem via IndusMoments or bank portal

Milestones of Nexxt Credit Card

N/A

N/A : N/A

Fees & Charges of Nexxt Credit Card

Fee & Amount	Fee Value
Joining Fee	₹10,000
Annual Fee	0
Forex Markup Fee	0
Cash Advance Fee	0
Late Payment Fee	0%
Over Limit Fee	0
Returned Payment Fee	0
Cash Withdrawal Fee	0%

Renewal Conditions:No annual renewal fee.

Fee Explanation

Detailed Explanation of Nexxt Credit Card Fees

Joining Fee: ₹10,000 (one-time)

Joining fee as per IndusInd schedule

Annual Fee: ₹0 (yearly)

No renewal fee

Cash Advance Fee: As per bank schedule (transaction)

Refer bank schedule

Lounge Access Benefits with Nexxt Credit Card

domestic Lounges

silver

Visits per year: 0

Guest access: No

Not part of standard Nexxt benefits

international Lounges

silver

Visits per year: 0

Guest access: No

Refer bank offers for temporary access

Insurance Coverage with Nexxt Credit Card

Travel Insurance

As per card T&Cs

Subject to travel insurance T&Cs

Fraud Protection (Total Protect)

As per bank policy

Covers unauthorised transactions per bank policy

Additional Features of Nexxt Credit Card

Interactive Payment Buttons

Buttons on the card let you choose EMI, reward redemption or credit at POS

Press the relevant button before authorising transaction

Contactless Payments

Tap-to-pay enabled

Welcome Bonus with Nexxt Credit Card

Welcome Bonus: 10,000 reward points
Bonus Conditions: On ₹20,000 spend within 90 days; valid for new customers only.

Application Process for Nexxt Credit Card

Processing Time

Online Application

Not Available

Instant Approval

Not Available

Step-by-Step Process

Apply online via IndusInd Bank portal

Upload KYC documents

Receive verification call

Card dispatched per bank schedule

Required Documents for Nexxt Credit Card

ID Proof

all

Accepted documents:

PAN Aadhaar

Address Proof

all

Accepted documents:

Passport Utility Bill

Income Proof

salaried

Accepted documents:

Payslip Form 16