IndusInd Nexxt Credit Card

A first of its kind interactive credit card, IndusInd Nexxt Credit Card has LED buttons to choose from the multiple payment options to shop at your preferred destination. You can choose to redeem reward points and opt for merchant credit or EMI. Press the relevant button before initiating a transaction. It enables faster payment at merchant establishments besides providing flexible payment options.

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• The contactless feature enables faster payments at merchant establishments.
• Wide acceptance of the card.
• Flexible repayment options for POS purchases to make the shopping experience more exciting.
• Attractive welcome gifts and reward points.
• Online transactions are safe with the IndusInd Nexxt Credit Card.
• Book a ticket on BookMyShow to get a ticket free to make the movie-watching experience special.
• Fuel Surcharge waiver, across fuel stations within the country.
• Protection against fraudulent or unauthorised transactions through ‘Total Protect.’
• Travel Insurance to take care of any eventualities during a trip.
• Complimentary Air Accident Insurance Cover up to Rs. 25.00 lakhs

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The features and benefits of the IndusInd Nexxt Credit Card are interesting. Some of them are detailed below.

Welcome Gift

• Oberoi Gift Vouchers can be redeemed for a luxurious stay at the Oberoi Hotel while on either a business or a pleasure trip.
• Instant table booking at over 2000 restaurants across various cities with the EazyDiner Voucher.
• Get access to an array of unique collections from Mont Blanc Stores.
• Gain access to over 30 premium brands with the Luxe Gift Card
• Exciting offers on premium brands like hush puppies, Bata, William Penn, Vera Moda, Pantaloons, Titan and many more with Vouchagram

Rewards

• Every time you spend Rs.150 on the card, you earn one reward point. The reward points can be redeemed for ‘Pay with Rewards’ for purchases at POS, for Air Miles or catalogue products on IndusMoments.

Travel Benefits

• Access to over 600 airport lounges across the world with Priority Pass.
• Travel Insurance that takes provides insurance cover for the following.
  • Baggage Loss: Cover up to Rs. 1.00 lakh
  • Delayed Baggage: Cover up to Rs. 25000/-
  • Loss of ticket: Cover up to Rs. 25000/-
  • Loss of Passport: Cover up to Rs. 50000/-
  • Missed connection: Cover up to Rs. 25000

Nexxt Entertainment

• Book a movie ticket on BookMyShow and get another movie ticket free
• The cardholder can get a maximum of 2 free movie tickets in a month.
• The price of the free movie ticket is capped at Rs. 200/- Anything over and above Rs. 200/- has to be paid by the cardholder.

Fuel Surcharge Waiver

Fuel Surcharge waiver up to 1% on fuel purchases at any fuel pump across the country.

Total Protect

• Insurance covers fraudulent or unauthorised transactions up to the credit limit of the primary card as well as the add-on card. The cover is available up to 48 hours prior to reporting the loss/theft to the bank.
• Insurance covers frauds that occur due to the loss or theft of a credit card.

Accident Insurance Cover

You will get a personal air accident insurance cover of up to Rs. 25.00 lakhs.

Contactless Feature

• Simply tap your card at merchant locations that are enabled for contactless payment and be done with your purchases.
• You can use the card for purchases at merchant establishments, for travel, for booking movie tickets, for paying utility bills and other online transactions.
• Shop at over 10 lakh merchant establishments within the country and 30 million outlets across the world.

Multiple Payment Options

• A feature that is unique to the IndusInd Nexxt Credit Card. 
• Inbuilt LED lights to enable multiple payment options.
• You can choose to pay through reward points, EMI or the Credit option.
• There are individual LED buttons for the payment options.
• Before initiating the transaction, press the button relevant to the option you choose. The corresponding LED light will glow for 6 minutes.
• Within 6 minutes, you either tap/swipe/insert or give the card to the person at the cash counter. 
• The LED light will switch off automatically after 20 seconds of completion of the transaction. If no transaction happens, the light will switch off after 6 minutes.
• EMI choices will be 6,12,18, and 24 months. If you choose the EMI option, you will have to press the button till the desired EMI option is shown. For instance, press once for six months, once again for 12 months and so on till you reach the option you desire.
• If you choose the merchant EMI, then the rate of interest could be higher than the regular 12% charged for EMI.

Additional Info: Also check How to Convert Credit Card Purchase to EMI

There are several fees and charges associated with the IndusInd Nexxt Credit Card. The details of the charges are given below:

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Comply with the eligibility criteria mentioned below and get approval for the IndusInd Nexxt Credit Card.

Age: Should be between 18 years to 65 years at the time of applying for the IndusInd credit card.

Occupation: Salaried and Self-employed individuals are eligible for the credit card.

Credit Score: The minimum credit score required will be 750 and above.

Nationality: Resident Indian

Submit the following documents along with the application for the IndusInd Nexxt Credit Card.

Additional Info: Also check Credit Card Documents Required

Follow the stepwise guide to applying for the IndusInd Nexxt Credit Card:

• Access the official website of IndusInd Bank
• Go to the ‘Products’ option.
• Choose ‘Credit Cards’ under the Products option.
• Fill in the basic details like PAN, Mobile Number, Email Id and Pincode
• Choose IndusInd Nexxt Credit Card from the best deals displayed on the screen.
• Click on the ‘Check Eligibility’ option.
• If eligible, you will be guided to the application form.
• Fill up the application form and upload the KYC documents.
• An OTP will be sent to your mobile number. Enter the OTP number and submit the application.
• An acknowledgement with the application reference number will be sent to your mobile number, which can be used to track the status of the application.

Additional Info: Also check IndusInd Bank Credit Card Customer Care

The credit card you avail of should be suitable to your requirements. IndusInd Nexxt Credit Card is undoubtedly a shopping card with the various shopping related benefits provided. 

The rewards for shopping are not that encouraging, but the multiple payment options can make purchases convenient for you. With the multiple payment options, purchases at POS become very easy. Also, you will have the option to make payments by redeeming the rewards by choosing the EMI or Merchant Credit option. All this is possible with the push of a button. A flexible option is not available for online transactions.

PayWave feature makes both online as well as POS payments fast and convenient. The Indusind Nexxt Credit Card joining fee is on the higher side. But it is only a one-time fee, and you will not be charged for further renewals.

But the only concern is that you should not turn out to be an impulsive shopper with the EMI and Credit options that give you the ‘shop now and pay later’ advantage. That can mount the debt burden, which may become difficult to handle. 

On the IndusInd Nexxt Credit Card review for the pros and cons, if you are convinced that the pros win over the cons, you can make a call.

There are other cards similar to the IndusInd Nexxt Credit Card in the market. A few such cards are listed below for a comparative study.