IndusInd Bank Celesta Credit Card
Updated 3 Jul 2026Source-linked
The IndusInd Bank Celesta Credit Card is a super premium credit card from IndusInd Bank, with a joining fee of ₹10,000 + GST.
Cardholders get unlimited annual domestic + unlimited annual international airport lounge access.
IndusInd Bank Celesta Credit Card
- Joining Fee₹10,000
- Annual Fee₹10,000
- Best Suited ForLifestyle & travel
- Reward TypeReward Points (points)
Rewards Rate
- Base rate 0.30%
Welcome Benefits
- Not applicable
IndusIndinfinitesuper premiumRewards and Benefits
Rewards Rate
Base 0.30% on other spends.
Reward Redemption
IndusMoments: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
Unlimited visits each annual.
International Lounge Access
Unlimited visits each annual.
Travel
N/A
Movie & Dining
N/A
Golf
4 round(s) / monthly · 4 lesson(s).
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.50%
Interest Rates
3.83% per month (46.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- super premium card issued by IndusInd Bank.
- Joining / annual fee of ₹10,000 + GST.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (unlimited/annual) + international (unlimited/annual).
Pros & Cons
Pros
- Low forex markup of 1.50% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
Cons
- High annual fee of ₹10,000.
- No annual-fee waiver option.
- No rewards on fuel spends.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Domestic
Unlimited visit(s) / annual. Via visa, dreamfolks.
International
Unlimited visit(s) / annual. Via priority-pass.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000.
Sources
- : www.indusind.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 780+
- Income (salaried)
- ₹25,00,000 p.a.
- Income (self-employed)
- ₹25,00,000 p.a.