IndusInd Bank Nexxt Credit Card
IndusInd Bank · Mastercard
Why this card?
- 0.5% back in reward points on eligible spends
- ₹3,999 joining and annual fee
- 1% fuel surcharge waiver
Card details
- Issuer
- IndusInd Bank
- Network
- Mastercard
- Annual Fee
- ₹3,999
- Joining Fee
- ₹3,999
- Reward Type
- points
- Best Reward Rate
- 0.5% on all eligible spends
- Forex Markup
- 3.5%
- Domestic Lounge
- None
- Min. Monthly Income
- ₹75,000
- Rates verified
- 2026-10-06
Our verdict
IndusInd Nexxt is a genuinely unique card with a physical toggle button that lets you switch between reward points, EMI and standard credit modes before every transaction. This is a niche product for sophisticated spenders who want per-transaction flexibility. Rewards are flat at 1 reward point per ₹150 (about 0.5% back as points), forex is 3.5% and there is no complimentary lounge access, so the value rests on the toggle; confirm the fee terms with the issuer before applying.
Pros
- Physical toggle button on card — switch between rewards, EMI and credit per transaction
- Flat 1 reward point per ₹150 on all eligible spends, with no category rules to track
- EMI conversion at any POS without calling customer care
- Unique product differentiator — no other Indian card offers this
Cons
- Fee terms should be confirmed with the issuer, and there is no spend-based fee waiver
- No complimentary lounge access — Priority Pass is available only at a paid usage fee
- Low reward rate of about 0.5% back as points
- 3.5% forex markup — not ideal for international use