MyFinCards
Nexxt Credit Card

Joining Fee

₹1,000

Annual Fee

Rs. 1000 + Taxes

IndusInd Bank
Rewards
Lifestyle
Fuel
Best For: Shoppers who prefer flexible payment options at stores, Movie lovers, Regular fuel spenders

Nexxt Credit Card

Rewards Structure

Base Reward Rate

0.67% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹2,500 /monthly

Pros

  • Unique interactive LED card for flexible POS payment options
  • 2 free movie tickets per month via BookMyShow
  • 1% fuel surcharge waiver at all petrol pumps
  • EMI option directly at POS without prior setup
  • Reward points redeemable at POS in real-time

Cons

  • EMI and Rewards buttons only work at POS, not online/ATM/IVR
  • Minimum 500 reward points needed to use Pay by Rewards
  • Cash redemption of reward points capped at 2500 points per calendar month (effective Sept 2024)
  • Club Vistara Airmiles redemption discontinued from Oct 2024
  • InterMiles redemption discontinued from Jan 2025

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

EMI/Rewards button cannot be used for online, MOTO, IVR, Samsung Pay, or ATM transactions

Maximum reward points for cash redemption capped at 2500 per calendar month from Sept 2024

Welcome gifts available only at select fee points

Key Benefits & Features

Interactive card with in-built LED lights to switch between EMI, Reward Points, or Credit payment at POS

Notable Exclusions

EMI and Rewards button options do not apply to online, MOTO, IVR, Samsung Pay, and ATM cash withdrawal transactionsReward points cash credit redemption capped at 2500 points per calendar monthReward Points redemption towards Club Vistara Airmiles discontinuedReward Points redemption towards InterMiles discontinued

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Nexxt Credit Card

The IndusInd Bank Nexxt Credit Card represents a bold leap forward in payment technology, earning its title as India's first interactive credit card. Featuring built-in LED lights and interactive buttons, this next-generation card empowers cardholders to seamlessly switch between multiple payment options — EMI, Reward Points, or Credit — directly at point-of-sale terminals, offering unmatched flexibility at their favourite stores. On the rewards front, cardholders earn 1 Reward Point for every ₹150 spent. These points can be redeemed in a variety of ways, including through IndusMoments, the Pay with Rewards feature, airline miles via KrisFlyer, or as cash credit. However, from 1st September 2024, cash redemptions are capped at 2,500 reward points per calendar month. Beyond rewards, the Nexxt Credit Card delivers lifestyle and everyday value through two complimentary movie tickets worth up to ₹200 each month when booked via BookMyShow, making it a strong pick for movie enthusiasts. Frequent drivers also benefit from a 1% fuel surcharge waiver at petrol pumps across India. Classified as a Premium card, the Nexxt Credit Card is ideally suited for shoppers who value payment flexibility, movie lovers seeking regular entertainment perks, and individuals looking to reduce fuel costs on everyday commutes.

Expert Review

Our Verdict

India's first interactive credit card with LED buttons for flexible EMI, rewards, or credit payments at POS.

Frequently Asked QuestionsAbout Nexxt Credit Card

BENEFITSWhat makes the IndusInd Bank Nexxt Credit Card unique?
The IndusInd Bank Nexxt Credit Card is India's first interactive credit card with in-built LED lights. It offers absolute flexibility when making payments at POS terminals by allowing you to switch between three payment modes — EMI, Reward Points, and Credit — simply by pressing the corresponding LED button on the card before swiping, inserting, or tapping at a merchant outlet.
USAGEHow do I use the EMI option on the Nexxt Credit Card?
To pay using the EMI option, press the EMI button on the card until the LED light corresponding to your preferred tenure illuminates. Press once for 6 months, twice for 12 months, and so on. Available tenures are 6, 12, 18, and 24 months at an interest rate of 12% per annum. The LED indicator will stay active for up to 6 minutes, during which you can complete your transaction at the POS terminal.
USAGECan I use the EMI and Rewards buttons for online transactions?
No. The EMI and Rewards buttons on the Nexxt Credit Card can only be used at POS merchant outlets. They do not apply to online, MOTO, IVR, Samsung Pay, or ATM cash withdrawal transactions. For such transactions, the standard credit option is automatically applied. However, you may still opt for an EMI option if the merchant provides it for online transactions independently.
USAGEHow do I pay using Reward Points at a POS terminal?
To pay using accumulated reward points, press the Rewards button on your Nexxt Credit Card before authorizing the transaction at the POS terminal. The transaction will be approved subject to your available credit limit. Your accumulated reward points will be deducted against the value of the transaction within 2 working days of settlement. Please note, a minimum of 500 reward points is required to use the 'Pay by Rewards' option.
REWARDSHow many reward points do I earn on the Nexxt Credit Card?
You earn 1 Reward Point for every ₹150 spent on your IndusInd Bank Nexxt Credit Card. Reward points can be redeemed at POS terminals using the Rewards button, or through other options such as IndusMoments, Pay with Rewards portal, and Airline Miles on KrisFlyer. From August 2019 onwards, the rewards program has been revised for select merchant categories.
REWARDSIs there a limit on cash redemption of reward points?
Yes. Effective 1st September 2024, the maximum reward points allowed for cash credit redemption is capped at 2,500 points per calendar month. This limit applies specifically to cash redemption. Other redemption options such as IndusMoments, Pay with Rewards, and KrisFlyer Airline Miles may have their own separate terms and conditions.
REWARDSHow can I check my available reward points balance?
You can check your available reward points balance through two options: (1) IndusMobile App — on the Credit Card Details page, click on the 'View' link in the Reward Points section; or (2) IndusAlerts — send an SMS with 'RBALE <space> <last 4 digits of your card number>' to 5676757. Both options provide a quick and convenient way to track your accumulated reward points.
BENEFITSWhat movie benefits does the Nexxt Credit Card offer?
The IndusInd Bank Nexxt Credit Card offers 2 complimentary movie tickets worth up to ₹200 each every month in a calendar year when booking via BookMyShow. This benefit provides an annual saving of up to ₹4,800 based on 2 tickets per month. This is a recurring monthly benefit, making it ideal for movie enthusiasts who regularly visit theatres.
BENEFITSDoes the Nexxt Credit Card offer a fuel surcharge waiver?
Yes. The IndusInd Bank Nexxt Credit Card offers a 1% fuel surcharge waiver at any petrol pump across India. Based on average spending estimates, this can result in savings of approximately ₹480 per year. The waiver applies to fuel transactions at all petrol pumps nationwide, making the card a useful companion for regular fuel purchases.
REWARDSHave any reward redemption partners been discontinued?
Yes, two redemption partners have been discontinued. Reward Points redemption towards Club Vistara Airmiles on www.indusmoments.com was discontinued effective 31st October 2024. Additionally, Reward Points redemption towards InterMiles for IndusInd Bank Credit Cards was discontinued effective 21st January 2025. Cardholders can still redeem points via IndusMoments, Pay with Rewards, KrisFlyer Airline Miles, and cash credit (subject to monthly caps).
FEESWhat are the joining and annual fees for the Nexxt Credit Card?
The joining and annual fee details for the IndusInd Bank Nexxt Credit Card depend on the selected fee point at the time of application. Welcome gifts and benefits are available at select fee points only. It is recommended to contact IndusInd Bank's phone banking service or a sales representative to get the exact applicable charges for your specific profile and offer.
APPLICATIONHow do I apply for the IndusInd Bank Nexxt Credit Card?
You can apply for the IndusInd Bank Nexxt Credit Card online through the IndusInd Bank website by clicking the 'Apply Now' button on the Nexxt Credit Card page. The process is 100% digital with instant approval. You can also visit a nearby IndusInd Bank branch or contact their phone banking service at 18602677777 for assistance with your application.
USAGEWhat happens if no transaction occurs after pressing an LED button?
Once you press a button on your Nexxt Credit Card, the corresponding LED indicator will first glow constantly and then blink periodically for up to 6 minutes. If no transaction takes place within this 6-minute window, the LED light will automatically switch off. Additionally, the LED light switches off 20 seconds after a successful transaction. You can also manually turn off the LED by pressing the currently illuminated button again.
USAGECan I avail Merchant EMI through a POS terminal with the Nexxt Credit Card?
Yes, you can avail Merchant EMI through POS terminals. However, to do so, you need to press the Credit button (not the EMI button) before authorizing the transaction. Please note that the rate of interest for Merchant EMI may differ from the standard 12% per annum interest rate applicable on the Pay with EMI option through the EMI button. Check with the merchant for applicable rates.
BENEFITSWhat is the estimated annual savings with the Nexxt Credit Card?
Based on IndusInd Bank's hypothetical spending estimate, the Nexxt Credit Card can offer total annual savings of approximately ₹7,080. This includes ₹4,800 from 2 complimentary movie tickets per month (at ₹200 each), ₹480 in fuel surcharge waivers, and ₹1,800 from reward points earned on an average monthly spend of ₹30,000 (approximately 200 points per month). Actual savings may vary based on individual spending patterns.

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