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IndusInd Bank
Three buttons on the card: points, EMI at a flat 12%, or ordinary credit, chosen at the till
One-time
Zero renewal fee
Uncapped rewards
Score 700+
Applying takes you to IndusInd Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
1 reward rate with their caps, taken from IndusInd Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 10 Oct 2026.
See where each figure came fromEverything else
No published ceiling on this tier
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
1% on Everything else — A flat rate across all categories. 1 Reward Point converts to 1 airline mile; IndusInd publishes no rupee value., with no stated cap.
Biggest limitation
The Rewards and EMI buttons work only at a physical point of sale, and not on online, MoTo, IVR, Samsung Pay or ATM cash withdrawal transactions.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
1 pts
uncappedEverything else
A flat rate across all categories. 1 Reward Point converts to 1 airline mile; IndusInd publishes no rupee value.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | Nil | — |
| Annual / renewal fee | Lifetime free | The issuer publishes no spend-based waiver for this card's annual fee. |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Late payment | Nil up to Rs. 100 outstanding, Rs. 100 from Rs. 101 to Rs. 500, Rs. 350 from Rs. 501 to Rs. 1,000, Rs. 550 from Rs. 1,001 to Rs. 10,000, and Rs. 700 above Rs. 10,000 | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
No fee, ever
the rewards simply continue
This card carries no airport lounge access.
No fuel surcharge waiver is published for this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
IndusInd BankIndusInd Bank Jio-bp Mobility+ Credit CardSee fees
IndusInd BankIndusInd Bank Tiger Credit CardLifetime free
IndusInd BankIndusInd Bank Pinnacle Credit Card₹5,000
IndusInd BankIndusInd Bank Legend Credit CardLifetime freeSuryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IndusInd Bank Nexxt Credit Card · this card | Lifetime free | 1% everything else | No |
| IndusInd Bank ePay American Express Credit Card | Lifetime free | Up to 5% cashback | No |
| IndusInd Bank Jio-bp Mobility+ Credit Card | ₹0 | Up to 12 reward points per ₹100 | No |
| IndusInd Bank Tiger Credit Card | Lifetime free | Up to 2.4% rewards | Included |
| IndusInd Bank Pinnacle Credit Card | ₹5,000 | Up to 2.5 reward points per ₹100 | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
It is a lifetime-free card — there is no annual fee.
The strongest published rate is 1% on everything else, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
Redeemed through the issuer's rewards programme as published on the card's product page
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
There are three — Rewards, EMI and Credit — and pressing one before a point-of-sale transaction decides how it settles. Rewards pays with your accumulated points, EMI converts the purchase on the spot, and Credit charges it normally. It is the only card in India built this way, and the decision happens at the till rather than on a statement weeks later.
No. IndusInd states the EMI and Rewards buttons can be used only while transacting at point-of-sale merchant outlets, and do not apply to online, MoTo, IVR, Samsung Pay or ATM cash withdrawal transactions. That is the card's main limitation: its defining feature is unavailable for the way a lot of spending now happens.
A flat 12% over a tenure of 6, 12, 18 or 24 months, with no processing fee. Against the 3.83% a month — 46% a year — that a revolved balance carries, converting at the till is far cheaper. It is still borrowing, so 12% is the price rather than a benefit.
Rs. 1,999 as a joining fee, and no annual fee at all after that. IndusInd publishes no spend-based waiver for the joining fee, so it is paid once; but no annual fee is a stronger position than a waiver you have to earn each year, and it is uncommon in this catalogue.
1 Reward Point per Rs. 150 spent, on everything, with no accelerated category. A point converts to one airline mile, which is parity and better than most conversions here. IndusInd does not publish a rupee value for the point, so the return cannot be stated as a percentage.
Somebody who buys large items in shops and wants the EMI decision made at the till on known terms. If your spending is mostly online, the buttons do nothing for you and a flat 1 point per Rs. 150 is a weak reason to pay Rs. 1,999 — one of the cashback cards here would pay several times more.
The Nexxt has three physical buttons printed into it — Rewards, EMI and Credit — and pressing one before a point-of-sale transaction decides how that purchase settles. Rewards pays with accumulated points, EMI converts the purchase there and then, and Credit charges it as ordinary credit. IndusInd markets it as India's first interactive credit card and as far as our catalogue goes, that is accurate.
What makes it more than a novelty is where the decision happens. On every other card here, converting a purchase to an EMI is something you apply for after the statement arrives, at whatever rate is then offered. On the Nexxt it is chosen at the till, at a published flat 12% over 6, 12, 18 or 24 months, with no processing fee.
IndusInd is explicit that the EMI and Rewards buttons work only while transacting at point-of-sale merchant outlets. They do not apply to online transactions, MoTo, IVR, Samsung Pay or ATM cash withdrawals.
That rules out the way a great deal of spending now happens. If your large purchases are made on a website rather than in a shop, the card's defining feature is unavailable to you — and what remains is a flat 1 Reward Point per Rs. 150 with no accelerated category, which is a weak reason to pay a Rs. 1,999 joining fee.
Rs. 1,999 to join, and then no annual fee at all. That is a different proposition from the waiver most cards here offer: there is no spend threshold to clear each year and no fee to watch for on the anniversary statement.
Over five years the Nexxt costs Rs. 1,999 in total. A card with a Rs. 499 annual fee waived at Rs. 1,00,000 of spending costs nothing if you always clear the threshold and Rs. 2,945 if you never do — so which is cheaper depends entirely on how reliably you spend, and the Nexxt is the one that does not care.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
IndusInd Bank Nexxt Credit Card — 1% on everything else. No annual fee.