IndusInd Celesta Credit Card Review
Rewards card with lounge access
The IndusInd Celesta has a ₹25,000 joining fee and ₹5,000 annual fee + GST, waived on ₹10,00,000 annual spend. It earns 0.75% back on regular spends, with 8 international airport lounge visits a year. Best for: unlimited domestic lounges and lifestyle perks — our verdict: consider.
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The IndusInd Celesta is a lifestyle-led super-premium card whose standout is unlimited domestic lounge access alongside hotel and dining memberships, with a Rs.5,000 fee waivable at Rs.10 lakh spend. The hefty Rs.25,000 joining fee and 3.5% forex markup mean it suits high-spend domestic lifestyle users only.
Rewards card with lounge access
The Bottom Line
The IndusInd Celesta is built for frequent domestic flyer and lifestyle-focused high spender. With a ₹5,000 annual fee that is waived on ₹10,00,000 yearly spend, it offers a welcome benefit worth ₹50,000 and airport lounge access. It makes the most sense if your spending matches frequent domestic flyer and lifestyle-focused high spender.
It earns a base reward rate of 0.75% and stacks best when your spending lines up with Frequent domestic flyer, Lifestyle-focused high spender. The renewal fee gets easier to justify once you can hit ₹10,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealThe unlimited domestic lounge access alone can justify the fee for those who fly often within India.
Users spending Rs.10 lakh+ annually who value hotel, dining and movie memberships and can waive the annual fee.
Probably not for
SkipThe Rs.25,000 joining fee is non-refundable and hard to recoup for moderate spenders.
The 3.5% forex markup undercuts its value for overseas spending.
Is It Worth It For You?
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Reward Rates
IndusInd Celesta offers 0.75% basic reward rate.
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Welcome Offer
Welcome gift of vouchers worth INR 25,000 from Oberoi Hotels and vouchers worth INR 25,000 from Montblanc (total INR 50,000).
Milestone Benefits
Annual fee of INR 5,000 is reversed on annual spends of INR 10,00,000 or more.
Fees & Charges
Eligibility
- Min Credit Score: 750
- Age 21-65, salaried or self-employed with stable income; CIBIL 750+ preferred; issued on American Express network.
Exclusions & Terms
Forex markup
- Foreign currency markup
Cash Advances
- Cash Advance charge of 2.5% of the advance amount, subject to a minimum of INR 300. Does not earn reward points.
Frequently Asked Questions
8 data-backed answers from our card database
Ready to apply?
₹5,000 annual fee. Apply on the IndusInd Bank website.
Apply on IndusInd Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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