The IndusInd Nexxt Credit Card charges no annual fee, with a joining fee of Rs 10,000. Its base return is 0.5% (1 RP per Rs 150). The forex markup is 3.5%. Abroad: Priority Pass on request; every visit charged up to USD 35. Read from the issuer's documents and an aggregator on 12 Oct 2026.
Only on select fee plans: Montblanc, The Postcard Hotel, Vouchagram or Vouchagram Premium vouchers (values not on page)
Reward currency
Reward Points
Base earn
1 RP per Rs 150
Base returnunverified
0.5%
Point valueunverified
Aggregator: 1 RP = Rs 0.75 cash credit. Issuer page states no rate; its savings illustration works out to Rs 0.75 (2,400 RP = Rs 1,800) but the page also flags unspecified changes to cash credit redemption
Caps
Cash credit redemption max 2,500 RP per calendar month (effective 1 Sep 2024); Pay with Rewards at POS needs at least 500 RP
Spends that earn nothingunverified
No RP on fuel
Points expiry
No expiry date (issuer FAQ)
Reward notes
base_return_pct = (1/150) x Rs 0.75 (aggregator cash value, not issuer-stated, so not recomputed). Card has LED buttons to pay by credit, EMI (12% for 6/12/18/24 months) or reward points at the terminal.
Transfers
Partners
Singapore KrisFlyer
Travel and perks
Domestic loungeunverified
None complimentary
International loungeunverified
Priority Pass on request; every visit charged up to USD 35
Lounge conditionsunverified
No complimentary visits
Forex markup
3.5%
Fuel surcharge waiver
1% waiver at any petrol pump in India, Rs 400-4,000 transactions (issuer Nexxt MITC); 1% + GST fee above Rs 30,000 fuel spend per cycle
Other freebies
BookMyShow buy-one-get-one, up to 2 free tickets a month, Rs 200 cap each; travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); Total Protect fraud cover up to the credit limit
Charges and eligibility
Interest per month
3.83%
Late payment fee
By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300
Cash advance fee
2.5% min Rs 300
Fine-print notes
Issuer product page read as plain text on 2026-10-12; fields updated from it. Page is silent on fees, fuel earn, lounges and network. Bank-wide Aug 2019 reduced-earn revision is stated as not applicable to Nexxt. CONFLICTS (issuer page used; old value and source): transfer_partners: old [] (Card Insider); page lists Airline Miles on KrisFlyer as a redemption option, ratio not given | welcome_benefit: old 'Oberoi, Luxe, Postcard Hotels, Montblanc vouchers' (Card Insider); page lists Montblanc, Postcard, Vouchagram, Vouchagram Premium on select fee plans. Earlier non-issuer data not found on the issuer page (unconfirmed): air accident cover Rs 25 lakh. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).
Questions
What is the annual fee of the IndusInd Nexxt Credit Card?
No annual fee.
Does the IndusInd Nexxt Credit Card give airport lounge access?
Yes. In India: none listed. Outside India: Priority Pass on request; every visit charged up to USD 35. Conditions: No complimentary visits
What is the forex markup on the IndusInd Nexxt Credit Card?
3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the IndusInd Nexxt Credit Card?
