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IndusInd Bank

IndusInd Nexxt Credit Card

VisaMidCashback
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Annual Fee

₹499

Reward Type

Cashback

Forex

1.5%

Lounge

∞ dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual Fee₹499(waived ≥ ₹1,00,000)
Min Monthly Income₹30,000

Rewards

Reward TypeCashback
Base Rate1.5%
Point Value₹1/point

Category Multipliers

contactless2%(cap ₹500)

Redemption Values

statement credit₹1/pt

Travel & Global

Forex Markup1.5%
Domestic LoungeUnlimited ✓
Intl. LoungeNone
Lounge NetworkDreamfolks

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

IndusInd Iconia Credit Card (100%) →IndusInd Tiger Credit Card (97%) →IDFC First Classic Credit Card (95%) →IDFC First Millennia Credit Card (95%) →BOB Eterna Credit Card (94%) →

💡 Fee Waiver Strategy

Spend ₹1,00,000 annually to waive the annual fee.

⚖️ Breakeven Analysis

To recover the ₹499 annual fee at the base reward rate of 1.5%, you need to spend ₹33,267 annually.

🎯 Pro Tips

  • ▸Maximize cashback on online shopping
  • ▸Use for fuel purchases to benefit from surcharge waiver
  • ▸Track monthly spending to reach reward caps

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹17,501

Effective Rate

1.5%

Ranked #34 of 173 cards#34

₹499 annual fee deducted from gross rewards value.

🏷️ Best For

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