IndusInd Bank Celesta Credit Card – Benefits, Fees & Eligibility

Introduction

The IndusInd Bank Celesta Credit Card is a premium offering from IndusInd Bank, meticulously curated for cardholders who appreciate a stellar lifestyle and polished tastes. Positioned as an exclusive luxury card, it provides a world of exotic benefits and enchanting privileges. Key differentiating features include welcome vouchers worth ₹25,000, unlimited complimentary domestic lounge access, up to 3 free movie tickets or a 20% discount on BookMyShow, and complimentary golf games and lessons each month.

Welcome Benefits

• Vouchers worth ₹25,000 on successful payment of joining charges.
• Vouchers worth ₹25,000 each from Oberoi Hotels & Montblanc as a welcome gift.

Fees

• Joining Fee: ₹25,000 + GST
• Annual Fee: ₹5,000 + GST
• Spend-Based Waiver: The renewal fee is waived off on spending ₹10 lakhs or more in the last year.
• Rewards Redemption Fee: ₹100 + GST
• Foreign Currency Markup: 3.5% on all foreign currency spends.
• Interest Rates: 2.99% per month.
• 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• Cash Advance Charges: 2.5% of the cash withdrawn or ₹300 (whichever is higher).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

Rewards 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 per ₹100 spent on selected categories like government services/charges, utility bill payments, insurance payments, and educational institutions fees.

Movie & Dining

• Get a 20% discount on movies and Buy 1 Get 1 Free (BOGO) offer on movie tickets through BookMyShow.
• The price of a free movie ticket is capped at ₹700.
• Up to 3 free movie tickets can be availed in a month.
• The Buy 1 Get 1 Free offer can be availed 3 times every month on BookMyShow.

Travel

• Unlimited complimentary domestic airport lounge access. This benefit requires spends of ₹1.5 Lakh or more in the previous quarter, with tracking initiated from 1st April 2026 for unlocking access from July 2026 quarter onwards.
• 2 complimentary international lounge access per quarter with the Priority Pass membership.
• Exclusive discount offers on Hertz car rentals, including:
  • A discount of 10% on standard rates.
  • Free additional driver for your partner.
  • An upgrade of car class on five consecutive days or more.

Golf

• 1 Complimentary Golf Game & 1 Golf Lesson Each Month (effective 10th March 2026).

Insurance Benefits

• Travel Insurance is included, with coverage for:
  • 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

Other Benefits

• Zero Liability Protection against a lost or stolen card if the loss is reported to the bank.

Rewards Redemption Guide

• Reward Points are redeemable against Airmiles (1 RP = 1 Airmile, specifically 2 Reward Point = 1 KrisFlyer Mile).
• Reward Points are redeemable against cash credit at a rate of 1 Reward Point = ₹0.75.
• A maximum of 10,000 Reward Points can be redeemed for cash against a statement in a month.
• Reward Points can also be redeemed against various products available at IndusMoments.
• To redeem Reward Points, you can call 1860 267 7777.

Card Eligibility Criteria

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

Card Review

The IndusInd Bank Celesta Credit Card is an extraordinary premium offering designed for individuals seeking a luxurious lifestyle. It provides exciting benefits across multiple categories, starting with welcome gifts worth ₹25,000. Cardholders can earn up to 3 Reward Points per ₹100 spent, with a redemption value of 1 Reward Point = ₹0.75 when redeemed against cash credit. Key advantages include complimentary lounge access, free movie tickets, and complimentary golf lessons and games, enabling a luxurious life with minimized expenses. This card is ideal for those who prioritize premium privileges and a high-end lifestyle.

Important Product Details

• Get up to 3 Reward Points per ₹100 spent using your IndusInd Bank Celesta Credit Card.
• Reward Points are redeemable against Cash credit.
• 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 if reported to the bank.

Other Details

• The card is curated for a stellar lifestyle and polished tastes, offering exotic benefits, elite offers, and enchanting privileges.
• To check the application status, contact IndusInd Bank customer care on 1860 267 7777 or visit your nearest IndusInd Bank branch.
• To activate your card or generate its PIN, you can use the IndusInd Bank’s mobile app, internet banking, an ATM, or contact customer care.
• Specific terms and conditions for golf benefits and lounge access are available via links provided by the bank.