IndusInd Bank
Gold · Nexxt
IndusInd Nexxt Credit Card
IndusInd Bank
Lifetime Free cashback card with 2% online and 1% on other spends
Annual Fee
Free
Joining Fee
Free
Reward Rate
1.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹0
Total Annual Benefits
₹0
Total Annual Charges
₹0
ROI
0%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Benefit breakdown data not available
Transaction Limits
Card Scorecard
Charges Breakdown
No charges applicable
Benefits & Perks
Cashback Benefits (2)
2% Cashback on Online Spends
Earn 2% cashback on all online transactions
- • Valid on online purchases
2% cashback
1% Cashback on Other Spends
Earn 1% cashback on all other retail transactions
- • Valid on all other retail spends
1% cashback
Reward Program
Program
IndusInd Cashback
2% online, 1% others
Effective cashback: 1.50%
Points expire: N/A - Direct cashback
Redemption Options
- → Direct cashback credited to card statement
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | Free Free |
| Annual Fee | Free Lifetime Free |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Eligibility
Requirements
- Min. Monthly Income
- ₹25,000
- Min. Annual Income
- ₹3,00,000
- Min. Credit Score
- 700
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹25,000
- • Self-Employed: ITR > ₹3 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
Accidental Death
₹5.0 L
Permanent Disability
₹5.0 L
Lost Card Liability
₹50,000
Report within 24h
- • Credit liability cover: ₹5 Lakh
Airport Lounge Access
Domestic
0 visits/year
Not available
International
0 visits/year
Not available
Transaction Limits
ATM Withdrawal / Day
₹25,000
POS & E-Commerce / Day
₹1,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Domestic acceptance EMI conversion facility 2% cashback on online spends 1% cashback on other spends Lifetime Free
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The IndusInd Nexxt Credit Card is a Lifetime Free (LTF) Visa Gold card offering 2% cashback on online transactions and 1% on all other spends. It is p...
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