IndusInd Nexxt Credit Card

The IndusInd Nexxt Credit Card stands out as a dynamic financial tool, offering unmatched flexibility and convenience to users. Its innovative design incorporates three distinct payment options – Credit, EMI, and Rewards – empowering cardholders to select the most suitable method for each transaction. This flexibility allows individuals to adapt their payments according to their financial requirements, whether they prefer credit purchases, manageable EMIs, or earning rewards on their spending. Boasting contactless payment technology and top-notch security features, this card not only streamlines payments but also provides a host of lifestyle privileges and perks, catering to the evolving needs of modern consumers who seek both flexibility and rewards in their financial endeavors.

Key Highlights of IndusInd Nexxt Credit Card:

  1. You receive an EazyDiner Gift Voucher with a validity of 6 months from the date of issuance.
  2. You earn 1 reward point for every Rs. 150 spent on your card.
  3. Enjoy a buy-one-get-one-free offer on movie tickets.
  4. You’ve been granted a Luxe Gift Card, opening doors to a variety of lavish experiences for you to enjoy.
  5. Get a 1% surcharge waiver when you use your IndusInd Nexxt Credit Card for fuel purchases at any petrol station across India.

Features and Benefits of IndusInd Nexxt Credit Card

The IndusInd Nexxt Credit Card stands out as a multifaceted tool, tailored to meet the diverse financial and lifestyle requirements of its users. Let’s delve into its essential attributes and advantages:

  1. Dynamic Payment Options: The card provides three payment options – Credit, EMI, and Rewards – allowing users to choose how they want to manage their payments for different transactions.
  2. EazyDiner Gift Voucher: Cardholders receive an EazyDiner Gift Voucher with a 6-month validity, providing access to dining discounts and offers.
  3. Reward Points: Earn 1 reward point for every Rs. 150 spent on the card. You can exchange your amassed reward points for a variety of perks and benefits.
  4. Movie Offers: Enjoy a buy-one-get-one-free offer on movie tickets, making entertainment more affordable.
  5. Luxe Gift Card: Receive a Luxe Gift Card that offers access to a range of indulgent experiences and privileges.
  6. Fuel Surcharge Waiver: Get a 1% waiver on the surcharge when purchasing fuel at any petrol station in India using the IndusInd Nexxt Credit Card.
  7. Contactless Payments: The card is equipped with contactless payment technology, enabling swift and safe transactions at terminals that are compatible.
  8. Interest-Free Period: Take advantage of a grace period for card transactions without accruing interest, provided that the entire balance is settled by the specified due date.
  9. EMI Conversion: Convert high-value purchases into manageable Equated Monthly Installments (EMIs) to ease your repayment burden.
  10. Global Acceptance: This card is embraced across India and around the globe, ensuring convenience for travel and transactions worldwide.
  11. Zero Annual Fee: Some variants of the IndusInd Nexxt Credit Card may come with zero annual fees, making it a cost-effective choice.
  12. Insurance Coverage: Insurance coverage, such as travel insurance and accidental death insurance, might be included for cardholders, varying depending on the card type.
  13. Security Features: The card boasts cutting-edge security measures like EMV chip technology, real-time SMS transaction alerts, and customizable spending limits for enhanced protection against fraud and unauthorized use.
  14. 24/7 Customer Support: Access customer service support around the clock to address any card-related queries or issues.
  15. Online Account Management: Easily manage your credit card account online, including checking statements, making payments, and tracking transactions.
  16. Add-on Cards: You can request additional add-on credit cards for your family members, allowing them to enjoy the benefits and convenience of a credit card under your account.

IndusInd Nexxt Credit Card Fees and Charges

1. Joining Fee: Rs. 3,499
2. Annual Fee: Nil
3. Add-on Credit Card: Nil
4. Interest Rate: 2.99% per month (36% annually)
5. Cash Advance Fee: 2.5% of the transaction amount, with a minimum of Rs. 300
6. Overlimit Charges: 2.5% of the overlimit amount, with a minimum of Rs. 500
7. Late Payment Fees:

  • Up to Rs. 100: Nil
  • Rs. 101 to Rs. 500: Rs. 100
  • Rs. 501 to Rs. 1,000: Rs. 350
  • Rs. 1,001 to Rs. 10,000: Rs. 550
  • Rs. 10,001 to Rs. 25,000: Rs. 800
  • Rs. 25,001 to Rs. 50,000: Rs. 1,100
  • More than Rs. 50,000: Rs. 1,300

8. Returned Cheque Fee: Rs. 250
9. Balance Enquiry Charge at ATMs of Other Banks: Rs. 25
10. Foreign Currency Markup Fee: 3.5%
11. Reward Redemption Fee: Rs. 100
12. Request for Duplicate Statement: Rs. 100 per statement (for statements over the last 3 months)
13. Cash Payment of Fee at IndusInd Bank Branches: Rs. 100
14. Charge Slip Request: Rs. 300
15. Obtaining a new credit card or replacing an existing one incurs a fee: Rs. 100.
16. Charge Slip Request: Rs. 300

Eligibility criteria for the IndusInd Nexxt Credit Card

In order to qualify for the IndusInd Nexxt Credit Card, applicants must meet specific eligibility criteria outlined as follows:

  1. Age: The candidate needs to be a minimum of 21 years of age.
  2. Income: To apply, individuals must be either employed with a fixed salary or self-employed, earning at least ₹50,000 per month.
  3. Credit History: The applicant should have a positive and active credit history.
  4. Documentation: The applicant may be required to provide documents for residential proof (such as Passport, Driving License, or Electricity bill), income proof (like Bank Statements or Salary Slips), and identity proof (including Aadhar Card or PAN Card) as part of the application process.

Documents Required for IndusInd Nexxt Credit Card

To request the IndusInd Nexxt Credit Card, you’ll generally be required to furnish the subsequent documents. Keep in mind that the specific requirements may vary based on the bank’s policies and your individual circumstances:

1. Identity Proof:

  • Aadhaar card
  • Passport
  • Voter ID card
  • Driver’s license
  • PAN card (Permanent Account Number)

2. Address Proof:

  • Utility bills (electricity, water, gas)
  • Rental agreement
  • Passport (if not used as identity proof)
  • Voter ID card (if not used as identity proof)
  • Driver’s license (if not used as identity proof)
  • Bank account statement

3. Income Proof (For Salaried Individuals):

  • Salary slips for the last few months
  • Bank statements showing regular income credits
  • Acknowledgment of Income Tax Returns (ITR) or Form 16

4. Income Proof (For Self-Employed Individuals/Business Owners):

  • Business ownership documents (e.g., partnership deed, certificate of incorporation)
  • Business financial statements (profit and loss statement, balance sheet)
  • Filing your income tax returns (ITR) for the recent years.

5. Passport-Sized Photographs: You may be required to provide a few passport-sized color photographs for card processing.

6. Duly Filled Application Form: Fill out the credit card application form supplied by the bank, furnishing necessary details regarding your personal and financial information.

7. Additional Documents (if applicable): Based on your unique situation and the criteria set by the bank, you might need to submit further paperwork. This could include evidence of investments, property ownership records, or any other documentation that showcases your financial standing.

How to apply for IndusInd Nexxt Credit Card

  1. Visit the official IndusInd Bank website.
  2. Navigate to the ‘Products’ section.
  3. Select ‘Credit Cards’ from the available options.
  4. Provide basic details such as your PAN, Mobile Number, Email ID, and Pincode.
  5. Select the IndusInd Nexxt Credit Card from the array of offers showcased on the screen.
  6. Click on the ‘Check Eligibility’ option.
  7. Once you qualify, you’ll be guided to the application form.
  8. Complete the application form and upload the required KYC documents.
  9. A unique passcode, known as an OTP (One-Time Password), will be dispatched to your mobile number. Please input this OTP to authenticate your application.
  10. Once you’ve submitted your application, expect to receive an acknowledgment containing a unique reference number via SMS. This reference number serves as your key to tracking the progress of your application.


1. What is the IndusInd Nexxt Credit Card?

  • The IndusInd Nexxt Credit Card stands out as a multifaceted financial tool, boasting unique attributes and personalized payment choices. Crafted with the aim of delivering adaptability and ease to its users, it redefines the credit card experience.

2. How does the Nexxt Credit Card offer customization?

  • This card allows you to choose from three payment options: Revolve, EMI, and Total Control. You can customize your payments based on your financial preferences and requirements.

3. Could you explain what the Revolve feature does on the Nexxt Credit Card?

  • With the Revolve feature, you can transfer your remaining balance to the following month and settle a minimum payment. Interest applies to the remaining amount.

4. Could you provide a detailed explanation of how the EMI feature works on the IndusInd Nexxt Credit Card?

  • Utilizing the EMI option allows you to transform significant purchases into manageable monthly payments, featuring reduced interest rates. This approach aids in enhancing your financial management by effectively handling your expenditures.

5. Could you please explain what the Total Control feature offers on the Nexxt Credit Card?

  • With Total Control, you have the power to transform your remaining balance into manageable EMIs whenever you need, offering you the freedom to handle your finances more effectively. Select the repayment duration that best fits your needs.

6. What steps should I follow to submit an application for the IndusInd Nexxt Credit Card?

  • To acquire the Nexxt Credit Card, you have two options: either submit your application via the IndusInd Bank website or drop by a nearby branch. Just make sure you fulfill the eligibility standards and gather all necessary documents beforehand.

7. What are the eligibility criteria for the Nexxt Credit Card?

  • The requirements for eligibility might encompass factors such as age, income level, credit rating, and residency standing. For precise information, individuals can refer to the IndusInd Bank website or reach out to their customer service department.

8. How can I verify the progress of my Nexxt Credit Card application?

  • You can track the status of your credit card application online through the bank’s official website or by contacting the customer service helpline.

9. Does the IndusInd Nexxt Credit Card come with any yearly charges?

  • The annual fees and other charges may vary. It is recommended to review the terms and conditions provided by the bank or contact their customer support for the most accurate and up-to-date information.

10. What are the unique security measures provided by the IndusInd Nexxt Credit Card?

  • The card is equipped with security features such as EMV chip technology, PIN-based transactions, and secure online transactions to ensure the safety of your financial information.

11. Is it possible to obtain an additional card for my family members using the Nexxt Credit Card?

  • Certainly! The Nexxt Credit Card provides the opportunity to obtain supplementary cards for your family members, enabling them to access the card’s perks and features. There may be extra fees and terms to consider.

12. What’s the best way to get in touch with customer support regarding the IndusInd Nexxt Credit Card?

  • You have options to connect with the customer service team either by using the contact information listed on the bank’s website or on the rear side of your credit card. These details typically comprise a helpline number, email address, or online chat assistance.