IndusInd Bank Celesta Credit Card – Benefits, Fees & Eligibility

Introduction

The IndusInd Bank Celesta Credit Card is a premium offering from IndusInd Bank, designed for cardholders seeking exclusive luxury and lifestyle benefits. It stands out with welcome vouchers worth ₹25,000, unlimited complimentary domestic lounge access, and comprehensive entertainment benefits including movie discounts and Buy 1 Get 1 Free offers. The card is curated for individuals with a stellar lifestyle and polished tastes, providing a world of exotic benefits, elite offers, and enchanting privileges.

Welcome Benefits

• Vouchers worth ₹25,000 on successful payment of joining charges.
• Welcome gifts include vouchers worth ₹25,000 each from Oberoi Hotels & Montblanc.

Fees & Charges Breakdown

• Joining Fee: ₹25,000 + GST
• Renewal Fee: ₹5,000 + GST
• Spend-Based Waiver: The renewal fee is waived off on spending ₹10 lakhs or more in the last year.
• Reward 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 Waiver: 1% fuel surcharge waiver 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• Cash Advance Charges: 2.5% of the cash withdrawn or ₹300 (whichever is higher).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 & Cashback Structure

• Earning Rate:
  • 1 Reward Point for every ₹100 spent on domestic purchases.
  • 3 Reward Points for every ₹100 spent on international purchases.
  • 0.70 Reward Points for every ₹100 spent on selected categories like government services/charges, utility bill payments, insurance payments, and educational institutions fees.
• Reward Redemption Options:
  • Redeem Points for Airmiles: 1 RP = 1 Airmile. Specifically, 2 Reward Points = 1 KrisFlyer Mile.
  • Redeem Points for Cash Credit: 1 RP = ₹0.75. A maximum of 10,000 Reward Points can be redeemed for cash against a statement in a month.
  • Redeem Reward Points against various products available at IndusMoments.

Travel, Lounge & Lifestyle Perks

• Domestic Lounge Access: Unlimited complimentary domestic airport lounge access on spends of ₹1.5 Lakh or more in the previous quarter. Spends criteria tracking for this benefit will be initiated from April 1, 2026, to unlock access from the July 2026 quarter onwards.
• International Lounge Access: 2 complimentary international lounge access per quarter with the Priority Pass membership.
• Golf Benefits:
  • 1 complimentary golf game each month.
  • 1 complimentary golf lesson each month.
• Movie Benefits:
  • Get a 20% discount on movies and event bookings on BookMyShow.
  • 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 up to 3 times every month.
  • Up to 3 free movie tickets can be availed in a month.
• Hertz Car Rentals:
  • A discount of 10% on standard rates.
  • Free additional driver for your partner.
  • An upgrade of car class on five consecutive days or more.
• Insurance Benefits:
  • Travel Insurance is included.
  • Accidental air death: ₹2.5 crores
  • Delayed Baggage: ₹5,000
  • Loss of travel documents: ₹50,000
  • Lost baggage: ₹1 lakh
  • Lost ticket/missed connection: ₹25,000

Card Eligibility Criteria & Income Requirements

• Age: The applicant should be between 21 and 65 years of age.
• Income: The applicant should have a stable income (either a salaried employee or a self-employed individual).
• Credit History: The applicant should have a good credit history.

Credit Card Review

The IndusInd Bank Celesta Credit Card is an extraordinary premium card offering exciting benefits across many categories, making it suitable for individuals who value a luxurious lifestyle with world-class privileges. It provides a great start with welcome gifts worth ₹25,000 and offers significant savings opportunities through its reward program (up to 3 Reward Points per ₹100 spent, redeemable for cash at 1 RP = ₹0.75). Cardholders can enjoy an extra-luxurious life with minimum expenses, thanks to complimentary lounge access, free movie tickets, complimentary golf lessons/games, and comprehensive insurance coverage. This card is ideal for those seeking a blend of travel, entertainment, and lifestyle perks.

Important Product Details

• Earn up to 3 Reward Points per ₹100 spent using your IndusInd Bank Celesta Credit Card.
• Reward Points are redeemable against Cash credit.
• Welcome 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.
• Spend-based renewal fee waiver.
• Complimentary golf lessons and golf games every month.
• Insurance coverage against several categories.
• 1% waiver on fuel surcharge.
• Zero Liability Protection against a lost or stolen card, according to which you will not be liable for any unauthorized transaction made on your Celesta Card if you have reported the loss to the bank.

Other Details

• The fuel surcharge waiver is applicable for transactions between ₹400 and ₹4,000.
• Reward Points can be redeemed by calling 1860 267 7777.
• Reward Points can also be redeemed against various products available at IndusMoments.
• Application status can be checked by contacting IndusInd Bank customer care on 1860 267 7777 or by visiting a nearest IndusInd Bank branch.
• Credit card PIN can be generated via the IndusInd Bank’s mobile app, internet banking, at an ATM, or by contacting customer care.
• Effective March 10, 2026, the golf benefit will include 1 complimentary game and 1 complimentary lesson per month.
• Effective April 1, 2026, spends criteria tracking will be initiated to unlock complimentary domestic lounge access from the July 2026 quarter onwards.