IndusInd Bank Celesta Credit Card – Benefits, Fees & Eligibility

IndusInd Bank Celesta Credit Card

Introduction

The IndusInd Bank Celesta Credit Card is a premium offering designed for individuals who appreciate a stellar lifestyle and polished tastes, providing super-exclusive luxury and lifestyle benefits. It ushers cardholders into a world of exotic benefits, elite offers, and enchanting privileges hand-picked for the true connoisseur. The card comes with a one-time joining fee of ₹25,000, offering welcome vouchers of the same value. Cardholders can enjoy luxurious travels with unlimited complimentary domestic lounge access and make the most of entertainment with up to 3 free movie tickets each month and a 20% discount on BookMyShow. Additionally, it provides exciting dining offers, including a complimentary EazyDiner Prime membership, significant discounts at premium restaurants, and yearly dining savings. The card also offers savings through a spend-based annual fee waiver and fuel surcharge waiver, ensuring a life of comfort and convenience.

Welcome Benefits

• Receive vouchers worth ₹25,000 upon successful payment of joining charges.
• Welcome gift includes vouchers worth ₹25,000 each from Oberoi Hotels & Montblanc.

Fees

• Joining Fee: ₹25,000 + GST.
• Renewal Fee: ₹5,000 + GST.
• Spend-Based Waiver: The renewal fee is waived off if you spend ₹10 lakhs or more in the preceding year.
• Rewards Redemption Fee: ₹100 + GST.
• Foreign Currency Markup: 3.5% on all foreign currency spends.
• Interest Rates: 2.99% per month on the due amount.
• Fuel Surcharge: A 1% fuel surcharge waiver is applicable across all fuel stations for transactions between ₹400 and ₹4,000.
• Cash Advance Charges: 2.5% of the cash withdrawn or ₹300, whichever is higher.

Rewards

Rewards Rate

• Earn 1 Reward Point for every ₹100 spent on domestic purchases.
• Earn 3 Reward Points for every ₹100 spent on international purchases.
• Receive 0.70 Reward Points per ₹100 spent on selected categories such as government services/charges, utility bill payments, insurance payments, and educational institution fees.

Movies

• Get up to 3 free movie tickets per month.
• Enjoy a "Buy 1 Get 1 Free" (BOGO) offer on movie tickets through BookMyShow, with the price of the free ticket capped at ₹700. This offer can be availed 3 times every month.
• Receive a flat 20% off on event/movie bookings on BookMyShow.

Dining

• Enjoy a complimentary EazyDiner Prime membership.
• Avail a discount of up to 50% at most premium restaurants in India and Dubai, along with a bonus of 2000 EazyPoints.
• Receive ₹3,000 off on dining throughout the year with the Sumptuous Beginnings program. This offer is valid once every six months, and one coupon can be used in a single transaction.

Travel

• Benefit from unlimited complimentary domestic airport lounge access.
• Receive 2 complimentary international lounge access per quarter with the Priority Pass membership.
• Get exclusive discount offers on Hertz car rentals, which include:
  • A discount of 10% on standard rates.
  • A free additional driver for your partner.
  • An upgrade of car class on five consecutive days or more.

Golf

• Enjoy 3 complimentary golf lessons every calendar month.
• Receive 3 complimentary golf games each month.

Insurance

• Accidental Air Death: Coverage of ₹2.5 crores.
• Delayed Baggage: Coverage of ₹5,000.
• Loss of Travel Documents: Coverage of ₹50,000.
• Lost Baggage: Coverage of ₹1 lakh.
• Lost Ticket/Missed Connection: Coverage of ₹25,000.

Lifestyle

• Receive a complimentary Tablet Plus membership with access to VIP privileges and benefits.

Rewards Redemption Guide

• To redeem your Reward Points, you can call 1860 267 7777.
• Reward Points earned are redeemable against KrisFlyer Miles at a conversion rate of 2 Reward Points = 1 KrisFlyer Mile.
• Reward Points are also redeemable against cash credit at a rate of 1 Reward Point = ₹0.75.
• You can redeem your Reward Points against various products available at IndusMoments.
• Effective 1st September 2024, a maximum of 10,000 Reward Points can be redeemed for cash against a statement per calendar month.

Card Eligibility Criteria

• The applicant should be between 21 and 65 years of age.
• The applicant should have a stable income, either as a salaried employee or a self-employed individual.
• The applicant should possess a good credit history.

Card Review

The IndusInd Bank Celesta Credit Card is an exceptional card tailored for high-net-worth individuals who seek a luxurious lifestyle and expect premium benefits. It provides a robust suite of privileges across various categories, making it ideal for those who frequently travel, dine out, enjoy movies, and play golf. The card's high welcome benefits, including vouchers worth ₹25,000, offer a significant head start. Its strong reward rates, particularly on international spends, coupled with unlimited domestic lounge access and a generous allowance for international lounges, make it a compelling choice for global travelers. Furthermore, the extensive entertainment and dining offers, along with comprehensive insurance coverage and golf benefits, enhance its appeal. While the card comes with a substantial joining and annual fee, the spend-based waiver on the annual fee and the overall value derived from its exclusive perks can easily offset these costs for eligible cardholders. This card is best suited for individuals with significant spending power who prioritize luxury, comfort, and premium experiences.

Important Product Details

• Welcome Vouchers worth ₹25,000 each from Oberoi Hotels & Montblanc.
• Earn up to 3 Reward Points per ₹100 spent (3 RP on international, 1 RP on domestic, and 0.70 RP on selected categories like utility, government, insurance, and education payments).
• Reward Points are redeemable against Cash credit (1 RP = ₹0.75), KrisFlyer Miles (2 RP = 1 KrisFlyer Mile), and various products on IndusMoments.
• A maximum of 10,000 Reward Points can be redeemed for cash against a statement per calendar month, effective 1st September 2024.
• Complimentary EazyDiner Prime membership and significant dining discounts of up to 50% at premium restaurants, plus ₹3,000 off on dining yearly with the Sumptuous Beginnings program.
• Up to 3 free movie tickets per month, including a Buy 1 Get 1 Free offer (capped at ₹700 for the free ticket, 3 times a month) and a 20% discount on BookMyShow.
• Unlimited complimentary domestic airport lounge access.
• 2 complimentary international lounge access per quarter with the Priority Pass membership.
• Complimentary Tablet Plus membership, offering access to VIP privileges and benefits.
• 3 complimentary golf lessons and 3 golf games every month.
• Extensive insurance coverage for air accidental death (₹2.5 crores), lost baggage (₹1 lakh), delayed baggage (₹5,000), loss of travel documents (₹50,000), and lost ticket/missed connection (₹25,000).
• The renewal fee is waived upon spending ₹10 lakhs or more in the last year.
• A 1% waiver on fuel surcharge is applicable for transactions between ₹400 and ₹4,000.
• The joining fee is ₹25,000 + GST, and the renewal fee is ₹5,000 + GST.
• A Rewards Redemption Fee of ₹100 + GST applies.
• A Foreign Currency Markup of 3.5% is charged on all foreign currency transactions.
• An interest rate of 2.99% per month is applicable.
• Cash Advance Charges are 2.5% of the withdrawn amount or ₹300, whichever is higher.
• The Rewards program was revised for select merchant categories from 1st August 2019.

Other Details

• Zero Liability Protection: IndusInd Bank provides zero liability protection against a lost or stolen card, meaning you will not be liable for any unauthorized transactions made on your Celesta Card if the loss is reported to the bank promptly.
• How to Check Application Status:
  • Contact IndusInd Bank customer care at 1860 267 7777 to inquire about your application status.
  • Visit your nearest IndusInd Bank branch for assistance with your application status.
• Card Activation & PIN Generation:
  • Mobile App: Activate your card or generate its PIN via the IndusInd Bank’s mobile app by navigating to ‘Credit Cards’, then ‘Credit Card service Request’, and selecting the option to generate the credit card PIN.
  • Internet Banking: Log in to your credit card internet banking account and find the option to generate the PIN of your card.
  • ATM: Visit an ATM nearest to you and select the credit card PIN generation option from the main menu.
  • Customer Care: You can also contact IndusInd Bank credit card customer care and request their assistance for card activation and PIN generation.