Question 1

What is the annual fee on the NEXTERIA Credit Card and how do you get it waived?

Accepted Answer

You pay ₹50,000 plus GST once as a joining fee, and there is no renewal fee after that. So the card costs you nothing to keep from year two onward, and the only real question is whether the rewards are still worth the swipe. Watch the caps and the excluded categories instead of the fee.

Question 2

What is the reward rate on the NEXTERIA Credit Card?

Accepted Answer

Union Bank of India publishes the earn rate for this card by category rather than as a single number, and the rate has moved more than once. Pull the current rate from your latest statement rather than the brochure, then multiply it by your monthly spend in that category. That number, minus the fee, is the only figure that matters.

Question 3

Does the NEXTERIA Credit Card give unlimited airport lounge access?

Accepted Answer

Yes. The card carries unlimited complimentary domestic and international lounge visits for the primary member, and guest visits are usually chargeable. Lounge access on premium cards is increasingly linked to prior quarter spend, so check your statement page each quarter. This is the single benefit that justifies most of the fee if you fly even once a month.

Question 4

What changed on the NEXTERIA Credit Card recently and is it still worth it in 2026?

Accepted Answer

No card specific cut has been announced, though Union Bank of India has been trimming rewards across its portfolio. At ₹3L of yearly spend the card returns roughly ₹3,000 at its general rate of about 1%, against a ₹0 renewal fee. That clears the fee, but not by much, so it is worth keeping only while your spending stays in the accelerated category.

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