All cards / IndusInd Bank
IndusInd Nexxt
A tech-forward mid-tier Mastercard with interactive card features and entertainment benefits — positioned as India's first interactive credit card with buttons/LEDs.
Annual fee
₹0
Joining fee
₹10,000
Reward type
points
Base reward rate
0.2%
Card network
Mastercard
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Movie & dining: Buy-one-get-one movie ticket offer on BookMyShow, up to 2 free tickets a month
- Rewards rate: 0.2% base rate
- International lounge access: Complimentary Priority Pass membership (usage charge waived up to US$27 per visit)
- Insurance benefits: Personal air accident cover up to ₹25 lakh; travel insurance via Oriental Insurance covering lost baggage (up to ₹1 lakh), delayed baggage, lost ticket and missed connections (₹25,000 each) and lost passport (₹50,000)
Benefits by category
- ✈️ Travel
Priority Pass lounge access (US$27/visit)
- ⛽ Fuel
1% fuel surcharge waiver on ₹400–₹4,000 transactions
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹40,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400-₹4,000 at all fuel stations in India
Benefits
- 2 free movie tickets/month via BookMyShow (₹200 cap each)
- 1% fuel surcharge waiver on ₹400–₹4,000 transactions
- Priority Pass lounge access (US$27/visit)
Pros
- + 2 free movie tickets/month
- + Welcome vouchers (Montblanc, hotel, shopping)
- + Interactive card technology
Cons
- − High ₹10K joining fee
- − No annual fee but significant upfront cost