IndusInd Bank
IndusInd Bank Celesta Credit Card
Annual Fee
₹5,900₹5,000 + GSTBase Reward
1% points
Foreign Markup
3.5% on all foreign currency spends
Welcome Benefits
Vouchers Worth ₹25,000
Product Highlights
- Get up to 3 Reward Points per ₹100 spent using your IndusInd Bank Celesta Credit Card.
- Vouchers worth ₹25,000 each from Oberoi Hotels & Montblanc as a welcome gift.
- 20% discount on movies at BookMyShow.
- Buy 1 get 1 free (BOGO) offer on movie tickets.
- Unlimited complimentary domestic airport lounge access and two international lounge accesses per quarter with the Priority Pass membership.
- Complimentary golf lessons and golf games every month.
- 1% waiver on fuel surcharge.
Category Rewards
entertainment
3 Reward Points for every ₹100 spent on international purchases
3X
Specialty
0.70 Reward Points per ₹100 spent on utility bill payments
0.70 pts/₹100
Fee Waiver
The renewal fee is waived off on spending ₹10 lakhs or more in the last year.
Reward Calculator
Costs you ₹5,900/year
Spend doesn't justify the fee. Consider a lifetime-free option.
₹25K
across all your buckets
0
IndusInd Celesta Reward Points
₹0
via statement credit · ₹0.25/pt
Effective rate
0.00%
Annual fee
₹5,900
Year 1 net
₹-5,900
Year 2+ net
₹-5,900
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
1 Reward Point for every ₹100 spent on domestic purchases. 3 Reward Points for every ₹100 spent on international purchases. Up to 3 free movie tickets each month and a 20% discount on movies on BookMyShow.
- 1 RP = ₹0.75 for cash credit, 1 RP = 1 Airmile.
Benefits & Features
Domestic: Unlimited Free Domestic Airport Lounge Access International: 2 complimentary international lounge access per quarter Unlimited complimentary domestic lounge access provided with the card.
Pros & Cons
Pros
- Unlimited complimentary domestic lounge access.
- 3 complimentary golf lessons and games each month.
- 20% discount on movies at BookMyShow.
- Vouchers worth ₹25,000 on joining.
Cons
- High joining fee of ₹25,000.
- Annual fee of ₹5,000 after the first year.
- Interest rate of 2.99% per month.
Additional Info
A maximum of 10,000 Reward Points can be redeemed for cash against a statement in a month.
Partner Merchants
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Fees & Charges
Eligibility
Min Age
21 yrs
Networks
Fee Waiver
The renewal fee is waived off on spending ₹10 lakhs or more in the last year.