Back to Browse
IndusInd Nexxt Credit Card
IndusInd • Visa

IndusInd Nexxt Credit Card

Lifetime-free digital-first IndusInd card aimed at modern spend categories.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual FeeFreeLifetime Free
Base Reward0.5%On all spends
Lounge Access4028 domestic • 12 intl
Est. Annual Savings₹600Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Lifetime Free

Net value₹1,800

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Online
1.5%
Lifestyle
1.0%
Basedefault
0.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • IndusInd Nexxt Credit Card is best positioned as a online + lifestyle specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 1.5% on online-aligned lanes, while broad base return remains closer to 0.5%.
  • Current mapped lounge footprint is 40, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to online and lifestyle spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Use as a focused specialist inside a multi-card setup without forcing all spend through one product.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count28
  • International count12
  • Quarterly limitNot listed
  • Airport-terminal rows40
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports24
  • Approval reports15

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

IndusInd Bank Avios Visa Infinite Credit Card

Annual fee: Free

Shared focus: Lifetime FreeHigher product tier within same bankPremium tier upgrade path within your bank
View Details
Step 2

IndusInd Pinnacle

Annual fee: Free

Shared focus: Lifetime FreeHigher product tier within same bankHigher top earn rate (2.5%)
View Details
Step 3

EazyDiner IndusInd Bank Signature Credit Card

Annual fee: Free

Shared focus: Lifetime FreeHigher product tier within same bankPremium tier upgrade path within your bank
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for IndusInd Nexxt Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Confirm current spend threshold or activation criteria for complimentary lounge access with IndusInd.

Quarter / cycle rule

Quarterly/periodic visit caps can apply by program version; verify latest Nexxt benefits before travel.

Guest access

Guest entry is not universally complimentary and may be charged at lounge/program rates.

Priority Pass

International-terminal lounge rows are listed in source file; validate exact access channel and limits from latest issuer terms.

Lounge Locations

40 airport lounge rows
View lounge map and location list40 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

2 lounges • 1 domestic • 1 international

2
The LoungeDomestic

AHM • Ahmedabad Airport • Domestic Terminal

The LoungeInternational

AHM • Ahmedabad Airport • Terminal T2THE

Amritsar

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

AMR • Amritsar Airport • Domestic Terminal

Bengaluru

2 lounges • 1 domestic • 1 international

2
TFS - BLR LoungeDomestic

BEN • Bengaluru Airport • Domestic Terminal

TFS - BLR LoungeInternational

BEN • Bengaluru Airport • International Terminal

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Domestic Terminal

Calicut

1 lounges • 0 domestic • 1 international

1
Bird LoungeInternational

CAL • Calicut Airport • International Terminal

Chandigarh

2 lounges • 1 domestic • 1 international

2
The Cram BarDomestic

CHA • Chandigarh Airport • Domestic Terminal

The Cram BarInternational

CHA • Chandigarh Airport • International Terminal

Chennai

3 lounges • 1 domestic • 2 international

3
TFS - Travel Club LoungeInternational

CHE • Chennai Airport • International Terminal

TFS - Travel Club Lounge (A & B)Domestic

CHE • Chennai Airport • Domestic Terminal

TFS - Travel Club Lounge NewInternational

CHE • Chennai Airport • International Terminal

Coimbature

1 lounges • 1 domestic • 0 international

1
Blackberry LoungeDomestic

CO1 • Coimbature Airport • Domestic Terminal

Dehradun

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

DEH • Dehradun Airport • Domestic Terminal

Delhi

1 lounges • 1 domestic • 0 international

1
Enclam LoungeDomestic

DEL • Delhi Airport • Terminal T1DENCLAM

Goa

1 lounges • 1 domestic • 0 international

1
TFS - Good Times LoungeDomestic

GOA • Goa Airport • Domestic Terminal

Guwahati

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

GUW • Guwahati Airport • Domestic Terminal

Hyderabad

2 lounges • 1 domestic • 1 international

2
The Taste of IndiaDomestic

HYD • Hyderabad Airport • Domestic Terminal

The Taste of IndiaInternational

HYD • Hyderabad Airport • International Terminal

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • Domestic Terminal

Jaipur

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

JAI • Jaipur Airport • Domestic Terminal

Kannur

2 lounges • 1 domestic • 1 international

2
Pearl LoungeDomestic

KAN • Kannur Airport • Domestic Terminal

Pearl LoungeInternational

KAN • Kannur Airport • International Terminal

Kochi

2 lounges • 1 domestic • 1 international

2
Earth LoungeDomestic

KOC • Kochi Airport • Domestic Terminal

Earth LoungeInternational

KOC • Kochi Airport • International Terminal

Kolkata

2 lounges • 1 domestic • 1 international

2
TFS - Travel Club LoungeDomestic

KOL • Kolkata Airport • Domestic Terminal

TFS - Travel Club LoungeInternational

KOL • Kolkata Airport • International Terminal

Lucknow

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

LUC • Lucknow Airport • Domestic Terminal

Madurai

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

MAD • Madurai Airport • Domestic Terminal

Mumbai

3 lounges • 2 domestic • 1 international

3
Clipper Lounge (Also known as Loyalty lounge)International

MUM • Mumbai Airport • Terminal T2CLIPPER

OASIS LoungeDomestic

MUM • Mumbai Airport • Terminal T1BOASIS

TFS - Travel Club LoungeDomestic

MUM • Mumbai Airport • Terminal T1C

Nagpur

1 lounges • 1 domestic • 0 international

1
Mandarin LoungeDomestic

NAG • Dr. Babasaheb Ambedkar International Airport • Domestic Terminal

Patna

1 lounges • 1 domestic • 0 international

1
Zesto Executive LoungeDomestic

PAT • Patna Airport • Domestic Terminal

Pune

1 lounges • 1 domestic • 0 international

1
Earth LoungeDomestic

PUN • Pune Airport • Domestic Terminal

Ranchi

1 lounges • 1 domestic • 0 international

1
Food HangarDomestic

RAN • Food Hangar, Security Hold Area, 1st Floor, Domestic Departure, Birsa Munda Airport • Domestic Terminal

Srinagar

1 lounges • 1 domestic • 0 international

1
Paahun The Executive LoungeDomestic

SRI • Srinagar Airport • Domestic Terminal

Thiruvananthapuram

1 lounges • 0 domestic • 1 international

1
Bird LoungeInternational

THI • Thiruvananthapuram Airport • International Terminal

Vadodara

1 lounges • 1 domestic • 0 international

1
Premium loungeDomestic

VAD • Vadodara Airport • Domestic Terminal

Varanasi

1 lounges • 1 domestic • 0 international

1
Take off BarDomestic

VAR • Varanasi Airport • Domestic Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • No annual fee model
  • Digital app-led experience and controls
  • Useful for regular online and lifestyle spending

Things to Consider

  • Lower premium travel benefit stack
  • Reward multipliers vary by active campaigns
  • Base reward rate is modest

About IndusInd Nexxt Credit Card

IndusInd Nexxt Credit Card is a points card from IndusInd, best for young professionals wanting a no-fee modern usage card. It is tagged under lifetime free, online, lifestyle, rewards categories in our database.

Lifetime FreeOnlineLifestyleRewards

Similar Cards You Might Like

IndusIndVisa

IndusInd Legend

Movies & Basic Lounge

Lifetime FreePoints
IndusIndVisa

IndusInd Platinum Aura Edge Credit Card

Budget users wanting no-fee rewards card ownership

Lifetime FreePoints
IndusIndVisa

IndusInd Bank Tiger Credit Card

Users who want lounge + lower forex on a lifetime-free card

Lifetime FreePoints

Frequently asked questions

Is IndusInd Nexxt Credit Card lifetime free?

IndusInd Nexxt Credit Card is lifetime free with no annual fee.

What rewards does IndusInd Nexxt Credit Card offer?

Lifetime-free digital-first IndusInd card aimed at modern spend categories.

Does IndusInd Nexxt Credit Card include lounge access?

IndusInd Nexxt Credit Card lists 40 lounge visits (28 domestic, 12 international).

Who should consider IndusInd Nexxt Credit Card?

Young professionals wanting a no-fee modern usage card

Where can I apply for IndusInd Nexxt Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.