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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Verified — 16/16 categories
Union Bank of India · RuPay

NEXTERIA Credit Card

Best forEducation & Insurance
Earns4 RP/₹100 on education
1st Year / Joining Fee
₹12,499 + taxes
Renewal Fee
Not recorded
Fee waiver
₹8,00,000
annual spend
Network
RuPay

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on education and insurance, where it earns 4 RP/₹100
  • Annual fee is waived at ₹8,00,000 yearly spend

How you earn

Reward rates at a glance — exactly as recorded for this card.

Education4 RP/₹100
Insurance4 RP/₹100
Utilities4 RP/₹100
Groceries4 RP/₹100
Dining4 RP/₹100
All 16 reward categories · 16 of 16 categories verified
CategoryRateCapCondition
RentNo reward——
Details
Status
Verified — no reward
Issuer note
Rental payments excluded from rewards.
Education4 RP/₹10010,000 RP per month5 RP / ₹125 (1.00%) on education
Details
Status
Verified
Source
SRC-UNION-NEXTERIA-SCHEDULE
Issuer note
5 RP / ₹125 (1.00%) on education.
Insurance4 RP/₹10010,000 RP per month5 RP / ₹125 (1.00%) on insurance
Details
Status
Verified
Source
SRC-UNION-NEXTERIA-SCHEDULE
Issuer note
5 RP / ₹125 (1.00%) on insurance.
Utilities4 RP/₹10010,000 RP per month5 RP / ₹125 (1.00%) on utilities
Details
Status
Verified
Source
SRC-UNION-NEXTERIA-SCHEDULE
Issuer note
5 RP / ₹125 (1.00%) on utilities.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Fuel excluded from rewards. 1% fuel surcharge waiver up to ₹250/month.
Groceries4 RP/₹10010,000 RP per month5 RP / ₹125 (1.00%) on groceries
Details
Status
Verified
Source
SRC-UNION-NEXTERIA-SCHEDULE
Issuer note
5 RP / ₹125 (1.00%) on groceries.
Dining4 RP/₹10010,000 RP per month5 RP / ₹125 (1.00%) on dining
Details
Status
Verified
Source
SRC-UNION-NEXTERIA-SCHEDULE
Issuer note
5 RP / ₹125 (1.00%) on dining.
Food Delivery4 RP/₹10010,000 RP per month5 RP / ₹125 (1.00%) on food delivery
Details
Status
Verified
Source
SRC-UNION-NEXTERIA-SCHEDULE
Issuer note
5 RP / ₹125 (1.00%) on food delivery.
Shopping4 RP/₹10010,000 RP per month5 RP / ₹125 (1.00%) on retail shopping
Details
Status
Verified
Source
SRC-UNION-NEXTERIA-SCHEDULE
Issuer note
5 RP / ₹125 (1.00%) on retail shopping.
Travel4 RP/₹10010,000 RP per month5 RP / ₹125 (1.00%) on travel
Details
Status
Verified
Source
SRC-UNION-NEXTERIA-SCHEDULE
Issuer note
5 RP / ₹125 (1.00%) on travel.
GovernmentNo reward——
Details
Status
Verified — no reward
Issuer note
Government taxes and payments excluded from rewards.
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
Wallet reloads excluded from rewards.
Railways4 RP/₹10010,000 RP per month5 RP / ₹125 (1.00%) on railways
Details
Status
Verified
Source
SRC-UNION-NEXTERIA-SCHEDULE
Issuer note
5 RP / ₹125 (1.00%) on railways.
FASTagNo reward——
Details
Status
Verified — no reward
Issuer note
FASTag excluded from rewards.
Jewellery4 RP/₹10010,000 RP per month5 RP / ₹125 (1.00%) on jewellery
Details
Status
Verified
Source
SRC-UNION-NEXTERIA-SCHEDULE
Issuer note
5 RP / ₹125 (1.00%) on jewellery.
Telecom4 RP/₹10010,000 RP per month5 RP / ₹125 (1.00%) on telecom
Details
Status
Verified
Source
SRC-UNION-NEXTERIA-SCHEDULE
Issuer note
5 RP / ₹125 (1.00%) on telecom.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹12,499 + taxes
Renewal Fee
Not recorded
Fee waiver
₹8,00,000
annual spend
Reward caps
  • Shopping — 10,000 RP / month (shared cap — Shopping)

Key benefits

Rewards
4 RP/₹100 on education
Fuel surcharge waiver
1% fuel surcharge waiver on transactions ₹400-₹5,000, max ₹250/month
Fee waiver
Annual fee waived on ₹8,00,000 annual spend

Important to know

Limits and exclusions that change what you earn.

  • Shopping rewards are capped at 10,000 RP / month (shared cap — Shopping)
  • No reward on: Rent, Fuel, Government, Wallet +1 more

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in education, insurance, utilities
  • You can reach the ₹8,00,000 annual spend that waives the fee
△ Less useful if
  • Much of your spending is in rent, fuel, government, which earn nothing
  • You cannot reach the fee-waiver spend and would pay the annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 5 no-reward categories
Caps
  • Shopping — 10,000 RP / month (shared cap — Shopping)
Categories with no reward or not eligible
  • Rent — No reward.
  • Fuel — No reward.
  • Government — No reward.
  • Wallet — No reward.
  • FASTag — No reward.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to Union Bank of India's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: RuPay
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: 1% fuel surcharge waiver on transactions ₹400-₹5,000, max ₹250/month.
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 2 areas

2 areas need further verification. None of these are counted as zero.

  • • Lounge benefit — not recorded; check the issuer terms
  • • Foreign-currency markup — not recorded; check the issuer terms

Sources & verification

Verification & sources · last checked 2026-09-27

Verification coverage: All 16 categories verified

Card record last checked: 2026-09-27

Documents used
Official NEXTERIA schedule, 5 RP/₹125 base, 10k monthly cap, ₹12,499 fee, ₹8L waiver · SRC-UNION-NEXTERIA-SCHEDULE
NEXTERIA Credit Card₹12,499 1st year