Interactive Push-Button Credit Card with Built-In LED Payment Mode Selection
Tech enthusiasts, frequent POS in-store shoppers, and consumers seeking point-of-sale payment flexibility and BookMyShow movie savings.
₹1,499
One-time upfrontFree
Lifetime Free — no renewal fee1 Reward Point/₹150 Spent
On eligible spends3.50% + GST
Cross-currency spendsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The IndusInd Bank Nexxt Credit Card is an engineering pioneer in Indian retail banking, being the country's first interactive credit card equipped with built-in micro-switches and LED indicators embedded directly into the card plastic. Priced at a one-time joining fee of ₹1,499 plus GST with ₹0 recurring annual fees, it incurs no annual maintenance costs once onboarded. At physical checkout counters, cardholders simply press a button to illuminate the desired LED payment mode before dipping or tapping: (1) Pay using Rewards to instantly liquidate accumulated points against the bill, (2) Pay in EMI to split transactions into pre-configured tenures directly at the POS terminal without merchant paperwork, or (3) Pay using regular Credit. Cardholders earn 1 Reward Point per ₹150 spent, with each point valued at an attractive ₹0.75 when redeemed for cash credit or statement offset (effectively 0.50% return). For entertainment, the card provides a Buy One Get One Free movie ticket benefit on BookMyShow (up to 2 complimentary tickets per month, with a cap of ₹200 per ticket), yielding up to ₹4,800 in annual cinema savings. It also includes comprehensive travel insurance and a 1% fuel surcharge waiver up to ₹100 per statement cycle. While it lacks airport lounge privileges, its unique on-card payment intelligence, high point-to-cash valuation, and zero annual fee make it a fascinating and practical lifestyle card.
1 Reward Point/₹150 Spent
Gift Vouchers from Oberoi, Luxe, Postcard Hotels or Montblac
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Retail Spends | 1 Reward Point per Rs 150 spent on retail transactions (0.50% value return) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Retail Spends | ₹30,000 | 1 Reward Point per Rs 150 spent on retail transactions (0.50% value return) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹1,499 + GST (one-time); Annual Renewal Fee: ₹0 (Lifetime Free renewal). • LED Payment Modes: Toggle between 3 push-button modes at POS: Credit, EMI (6/12/18 months), or Rewards. • Reward Mechanics: 1 Reward Point per ₹150 spent on retail purchases. • Point Valuation: 1 Reward Point = ₹0.75 for direct cash statement credit or brand vouchers. • Entertainment: Buy One Get One Free movie ticket on BookMyShow (up to 2 free tickets per month, capped at ₹200/ticket). • Fuel Surcharge: 1% fuel surcharge waiver for spends between ₹400 and ₹4,000 (maximum ₹100 waiver per monthly cycle). • Exclusions: Fuel transactions, cash advances, and digital wallet top-ups do not earn reward points.
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding IndusInd Nexxt Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official IndusInd Bank portal with paperless verification.
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