IndusInd Bank Celesta Credit Card
MastercardInvite OnlyIndusInd Celesta is the top-tier metal card with 2.5 reward points per ₹100, unlimited lounge access, and exclusive concierge service.
Welcome Benefit
10,000 reward points on joining.
Estimated value: ₹10,000
Condition: Welcome benefit is credited within 30–45 days of first transaction or after spending ₹10,000 within 90 days of card issuance.
Fees & Charges
Rewards & Earn Rates
Program: IndusInd Reward Points (points) · 1 point = ₹0.25
| Category | Earn Rate |
|---|---|
| All Spends | 2.5 reward points per ₹100 |
No capping on base reward earning.
Points expire after 24 months
Milestone Benefits
Earn 10,000 bonus Edge Miles / Reward Points every quarter on spending ₹1.5 lakh. Redeemable against flight tickets or transferred to airline programs.
Value: ₹5,000
Must be an active cardholder. Bonus credited within 30 days of quarter end.
Lounge Access
Unlimited Priority Pass + domestic lounge access.
Travel Benefits
Complimentary hotel upgrades at partner properties. Early check-in and late check-out at IHG and Marriott properties upon availability. Dedicated travel desk for itinerary planning.
✓ Airport meet & greet
5–10% additional discount on flight and hotel bookings made through the bank's travel portal (SmartBuy / Yatra / MakeMyTrip).
Complimentary travel insurance on purchase of international air tickets using this card. Covers trip cancellation, missed connection, and baggage loss.
Lifestyle Benefits
Dining Discounts
15–25% discount at partner restaurants through the bank's dining programme (EazyDiner/Dineout/bank portal). Valid on dine-in only.
via EazyDiner / Dineout
Value: ₹3,600
Movie / Entertainment Offers
Buy-one-get-one free or flat discount on movie tickets via BookMyShow / PVR / INOX. Typically up to 2 tickets per month.
via BookMyShow / PVR / INOX
Value: ₹2,400
Complimentary Golf Rounds
Complimentary golf rounds per month at premium golf courses in India. Green fee waived for cardholder.
via DLF Golf & Country Club / Karnataka Golf Association and partner courses
Value: ₹18,000
24/7 Premium Concierge
Round-the-clock dedicated concierge service for travel bookings, restaurant reservations, event tickets, gift sourcing, and emergency assistance worldwide.
via IndusInd Bank Concierge
Insurance Cover
lost_card_liability
In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.
Zero liability on fraudulent transactions reported within 7 days
Zero Liabilitypurchase_protection
Purchase protection insurance covers eligible purchases made on the card against accidental damage or theft within 90 days from the date of purchase.
₹1,00,000 per claim
travel_insurance
Complimentary air accident cover of ₹1.5 Cr on purchasing air tickets using the card. Covers accidental death while travelling on a common carrier.
₹1.5 Cr air accident cover
Forex & Fuel
Zero forex markup on international transactions. Dynamic currency conversion (DCC) charges apply at 1% when merchant charges in INR.
Eligibility
Invite-only. Minimum annual income: ₹18,00,000+. Age: 21–65.
Editor Rating
Pros
- + Comprehensive premium benefits
- + Strong reward rate for high spends
- + Airport lounge and concierge access
Cons
- – High annual fee requires consistent high spend to justify
- – Some benefits require prior booking
The IndusInd Bank Celesta Credit Card is a premium credit card from IndusInd Bank with a balanced rewards programme. At ₹10,000/year, the card is best suited for high spenders who can leverage its premium benefits.