Is this the most Tech-enhanced Credit Card (Not Apple Card)?

a blue credit card with white text

Plastic cards of 85.60 mm × 53.98 mm (​3 38 × ​2 18 inches) are so 20th century. Now credit cards can be made from titanium, metal alloys and can even have diamonds on it.

Then, there is the Apple Card. Given it will mostly be used through Apple Wallet, is it even fair to call it a ‘card’?

However, I digress. Today, purely by chance, I came across the ‘Nexxt credit card’ from IndusInd Bank. IndusInd Bank is one of the largest private banks in India. Apparently, this card has been around since late 2018.

Nexxt Credit Card Features

This is the most interactive credit card I have seen.

a blue credit card with white text

There are three buttons and 6 LEDs on the Nexxt credit card. The buttons are called EMI, Rewards and Credit.

As the name suggests, EMI lets you pay for the spend in equal monthly installments. For how many months you ask? That is where 4 LEDs come into play. You can choose between 6, 12, 18 and 24 months.

Rewards buttons lets you pay using your accumulated reward points. Similarly, Credit is the vanilla option that lets you pay using credit limit. Your active way of spending (EMI option, Rewards or Credit) can be seen with the illuminated LED.

If all this sounds confusing, you can see this video.


Futuristic isn’t it? Imagine not having to log into your credit card account to redeem your reward points. Or to convert your purchases to monthly installments.

The buttons work only for PoS transactions. For online transactions, this functions as a regular credit card.

This is a contact-less Mastercard and also has a chip. Therefore, acceptability shouldn’t be a problem. I cannot confirm this independently, but this card does not appear to have an annual or renewal fee.


I cannot advise you to get this card because I do not have enough knowledge of credit card options in India. However, I am sure it appears to the geek inside us.


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