Card Image
IndusInd Celesta
Annual Fee
₹1,499
Rewards/₹100 ⓘ
₹0.35 - ₹1.05
Normalized to balance base rate with bonus categories
Interest Rate
42.00%
Credit Score
730+
At a Glance
Key Benefits
3X rewards on travel & dining, lounge access, golf privileges
Lounge Access
4 domestic lounge visits per year
Eligibility
Salaried: Rs 50,000+/month, Age: 21-60
Quick Details
Annual Fee
₹1,499
#195
Joining Fee
₹1,499
#196
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹0.35 - ₹1.05
#189
Reward Type Reward Points
Reward Currency Points
Min Credit Score
730+
#180
Min Monthly Income ₹NaN
Network MASTERCARD
Late Payment Fee ₹800
Cash Advance Fee 2.50% (min ₹400)
Fee Waiver on Spend ₹1,20,000/yr
Reward Structure
Base
All Spends
₹0.35 /₹100
Cat
Travel
₹1.05 /₹100
Reward Calculator
₹
Allocate by Category100%
Your Rewards
Points Earned1,100
Cash Value₹385
Breakdown
Travel900
Other Spends200
Total Value₹385
Quick amounts:
Insurance Coverage
Air Accident
₹50,00,000
On tickets purchased with card.
Lost Card
₹0
Zero liability.
Quick Analysis
The IndusInd Bank IndusInd Celesta is a solid credit card option. With an annual fee of ₹1499, ensure you can utilize the benefits to get value. Consider your spending patterns before applying.
Pros
- Annual fee waiver on spending ₹120000
- Good insurance coverage up to ₹50 lakh
- 24x7 dedicated concierge service
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Frequently Asked Questions
What rewards does IndusInd Celesta offer?
3X rewards on travel, dining, and entertainment spends.
How many lounge visits are included?
4 complimentary domestic lounge visits per year.
What is the annual fee waiver condition?
Annual fee waived on Rs 1.2 lakhs annual spend.
Is concierge service available?
Yes, 24x7 concierge service for travel and lifestyle assistance.
Does it offer golf privileges?
Yes, complimentary golf games at select courses.
User Reviews
Ready to Apply for IndusInd Celesta?
Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.
Apply Now on IndusInd Bank Apply Now