IndusInd Bank
IndusInd Nexxt Creditt card
This is an invite only card
Top Benefits
Get Up to 2 Free Movie Tickets Every Month on BookMyShow
Each Free Ticket Capped at ₹200
Earn 1 Reward Point for Every ₹150 Spent, on Utility
Insurance, Government, Education and Rent Payments
Best For
Shopping
Utility Bills
Expert Review
Joining / Annual Fee
Joining Fees
₹11,800 ( ₹10000 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Eligibility
Age
Criteria*
18-70 years
Salary
Criteria*
2.4LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- 1 Reward Point for every ₹150 spent, with Reward Points that never expire and, unusually for IndusInd, no de-rating on utility, insurance, government, education or rent spends
- Redemption at POS with the Rewards button, on the IndusMoments catalogue, through Pay with Rewards TWID at Swiggy, McDonald’s, BookMyShow, Ixigo, Jio, BBPS bill payments
- Buy One Get One free movie tickets on BookMyShow, up to 2 free tickets a month each capped at ₹200
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward point = ₹0.75
Redemption Options
- Flight & Hotel Bookings
- IndusMoments catalogue
- Gift Vouchers
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Wallet Load
Rent
Jewellery
Fuel
Quasi Cash
Cash Withdrawal
For Spends Waiver
Wallet Load
Rent
Jewellery
Fuel
Quasi Cash
Cash Withdrawal
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.83% per month 46% per annum apply on unpaid outstanding balances until the amount is fully repaid | 3.83% |
ATM withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹300, if applicable | 2.5% |
Reward Redemption Fees ₹149 redemption fee per cash redemption (w.e.f. 1 April 2025) and ₹100 per redemption for all other categories, plus applicable GST | ₹149 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of ₹250 is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹250 |
Cash Payment Fees A fee of ₹100 is levied for making payment of credit card dues in cash at an IndusInd Bank branch | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹500 | ₹100 |
| ₹5000 | ₹750 |
| ₹8000 | ₹1200 |
| ₹10,000 | ₹1300 |
| ₹10,000 & above | ₹1300 |
That’s the full story of this credit card
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Top Benefits
Top Benefits
Get Up to 2 Free Movie Tickets Every Month on BookMyShow
Each Free Ticket Capped at ₹200
Earn 1 Reward Point for Every ₹150 Spent, on Utility
Insurance, Government, Education and Rent Payments
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