Celesta Credit Card
IndusInd Bank
Last updated: Feb 03, 2026
₹5,000
₹25,000
3.5%
Unlimited lounge access
Contents
IndusInd Bank Celesta Credit Card is a premium lifestyle and travel card on the American Express network, designed for high-spend customers who value luxury experiences. It offers unlimited complimentary domestic airport lounge access, international lounge visits via Priority Pass, and strong lifestyle privileges on golf, dining, and entertainment. Cardholders also enjoy a generous welcome package, EazyDiner Prime membership, Tablet Plus hotel benefits, and curated travel offers. With its high joining fee and spend-based renewal waiver, the card is best suited for affluent users who maximise rewards and luxury benefits every month.
Features of Celesta Credit Card which makes it unique
Unlimited Domestic Lounge Access
Enjoy unlimited complimentary access to participating domestic airport lounges across India.
Frequent flyers can wait for flights comfortably with food, beverages and workspaces.
More generous lounge access than many mid-tier premium credit cards.
High-Value Welcome Vouchers
Welcome package worth ₹25,000 from premium brands such as Oberoi Hotels and Montblanc.
Significant upfront value that offsets the joining fee for users who utilise the vouchers fully.
Among the richer welcome packs in the Indian premium credit card segment.
Strong Lifestyle Ecosystem
Integrated benefits across dining, movies, hotels and golf tailored for affluent urban cardholders.
One card for premium lifestyle experiences without carrying multiple category-specific cards.
Competes directly with other premium lifestyle cards from large Indian banks.
Rewards Structure of Celesta Credit Card
International Spends
acceleratedAll eligible international retail transactions
Reward points can be redeemed for airline miles, vouchers, or cash credit.
Domestic Spends
baseAll eligible domestic retail transactions excluding excluded categories
Best suited for high domestic lifestyle and travel spending.
Utility Payments
baseElectricity, water, telecom and other utility bill payments
Lower earn rate to reflect revised rewards on utility categories.
Rewards Redemption
baseConversion to airline miles or cash credit
Redemption partners, conversion ratios and caps are subject to change by IndusInd Bank.
Milestones of Celesta Credit Card
Annual Spend Waiver
₹10,00,000 in a card membership year : Reversal of the ₹5,000 annual fee for the next year.
Fees & Charges of Celesta Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹25,000 |
| Annual Fee | ₹5,000 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹250 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee reversed on spends of ₹10,00,000 or more in the previous year.
Fee Explanation Detailed slabs, GST and other charges apply as per IndusInd Bank’s Schedule of Charges for the Celesta Credit Card.
Detailed Explanation of Celesta Credit Card Fees
Joining Fee: ₹25,000 + GST (one-time)
Payable in the first year; welcome vouchers worth ₹25,000 provided after fee payment.
Annual / Renewal Fee: ₹5,000 + GST (yearly)
Reversed if total spends on primary and add-on cards reach ₹10,00,000 in the previous year.
Cash Advance Fee: 2.5% of the withdrawn amount (min ₹300) (transaction)
Interest of 2.99% per month applies from the transaction date until repayment.
Forex Mark-up Fee: 3.5% of the transaction amount (transaction)
Applicable on all foreign currency transactions processed on the card.
Late Payment Fee: Up to ₹1,300 as per outstanding slab (statement)
No charge for amounts up to ₹100; higher slabs charged as per bank schedule.
Overlimit Charges: 2.5% of the overlimit amount (min ₹500) (statement)
Applied when the outstanding balance exceeds the sanctioned credit limit.
Fuel Surcharge Waiver: 1% waiver (transaction)
Valid on fuel transactions between ₹400 and ₹4,000; waiver capped as per bank policy, GST extra.
Lounge Access Benefits with Celesta Credit Card
domestic Lounges
silverVisits per year: Unlimited
Guest access: Yes
Unlimited complimentary domestic airport lounge access for primary and eligible add-on cardholders at participating lounges in India.
international Lounges
silverVisits per year: 8
Guest access: No
Up to 2 complimentary international lounge visits per quarter via Priority Pass; additional visits chargeable as per Priority Pass rates.
Insurance Coverage with Celesta Credit Card
air accident cover
₹25,00,000Valid for air travel tickets booked using the Celesta Credit Card; detailed terms as per policy wording.
travel insurance – lost baggage
₹1,00,000Applicable on eligible international trips where tickets are purchased using the card.
travel insurance – delayed baggage
₹5,000Payable as per insurer’s conditions in case of baggage delay beyond specified hours.
travel insurance – loss of passport
₹50,000Covers reasonable expenses for obtaining a duplicate passport abroad, subject to policy terms.
travel insurance – loss of ticket
₹25,000Applicable when the ticket for an eligible journey purchased on the card is lost.
travel insurance – missed connection
₹25,000Coverage as per insurer’s conditions when a missed connection meets the defined criteria.
Additional Features of Celesta Credit Card
24x7 Concierge
Round-the-clock concierge assistance for travel bookings, restaurant reservations and lifestyle services.
Services are complimentary; actual bookings and purchases are chargeable to the card.
Golf Privileges
Complimentary golf games and lessons at select premium golf courses in India.
Typically 3 complimentary games and 3 complimentary lessons per month, subject to booking availability.
EazyDiner Prime Membership
Complimentary EazyDiner Prime membership with additional EazyPoints and high dining discounts.
Membership tenure, participating restaurants and benefits are governed by EazyDiner’s terms.
Tablet Plus Membership
Complimentary Tablet Plus membership for luxury hotel upgrades and exclusive privileges.
Benefits include complimentary breakfast, late checkout, hotel credits and other perks at participating properties.
Welcome Bonus with Celesta Credit Card
Welcome Bonus: Premium welcome vouchers worth ₹25,000 from Oberoi Hotels and Montblanc.
Bonus Conditions: Welcome vouchers are issued after payment of the joining fee and completion of the first eligible transaction within the specified period.
Application Process for Celesta Credit Card
Processing Time
Typically 5–7 working days after successful document verification.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the IndusInd Bank website, Finanjo partner link or a nearby IndusInd Bank branch.
Fill in the Celesta Credit Card application form with accurate personal and income details.
Upload or submit KYC documents, income proofs and any additional documents requested by the bank.
The bank verifies your documents, credit profile and eligibility as per internal criteria.
On approval, your card is generated and dispatched to your communication address, usually within a few working days.
Activate the card using IndusInd Bank Internet Banking, mobile app or ATM and set your PIN.
Required Documents for Celesta Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
Celesta Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across major cities and popular merchant categories in India on the American Express network.
International Acceptance
Accepted globally at merchants and online portals that support American Express cards.
Online Acceptance
Extensively accepted across leading Indian and international e-commerce platforms.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Celesta Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian resident only
Income Requirements
Salaried Applicants
₹100,000
Minimum annual income
Self-Employed Applicants
₹150,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should have a stable income, a clean credit history, and valid PAN and Aadhaar cards.
How Approval Is Decided
- Minimum age of 21 years and Indian residency.
- Stable, high monthly income that meets internal thresholds for this premium card.
- Good credit score, generally 750 or above, with a clean repayment record.
- Positive internal risk assessment by IndusInd Bank at its sole discretion.
Pros of Celesta Credit Card
- Excellent for frequent travellers who use lounges and international benefits regularly.
- Strong lifestyle proposition with golf, BookMyShow 1+1 tickets and premium dining discounts.
- Reward Points can be converted to airline miles or cash credit at a competitive value.
- Annual fee can be reversed on high annual spends, making it attractive for very high spenders.
Cons of Celesta Credit Card
- Very high one-time joining fee, suitable mainly for affluent users.
- Base reward rate on regular domestic spends is moderate compared with some rewards-focused cards.
- Forex mark-up of 3.5% makes it less attractive purely for international spending compared with zero-markup cards.
- Benefits are maximised only if you actively use lounges, golf, dining and movie offers.
Frequently Asked Questions about Celesta Credit Card
What is the joining and annual fee of the IndusInd Bank Celesta Credit Card?
The Celesta Credit Card currently charges a one-time joining fee of ₹25,000 plus GST and an annual fee of ₹5,000 plus GST from the second year onwards. The annual fee is reversed if you spend ₹10,00,000 or more in the previous card membership year.
How many Reward Points do I earn on domestic and international spends?
You typically earn 3 Reward Points for every ₹100 spent on eligible international transactions and 1 Reward Point for every ₹100 spent on most domestic retail transactions. Utility and a few special categories may earn a slightly lower rate as per the bank’s rewards programme.
Does the Celesta Credit Card provide complimentary airport lounge access?
Yes, the card provides unlimited complimentary domestic airport lounge access at participating lounges in India and complimentary international lounge visits via the Priority Pass programme, typically 2 visits per calendar quarter.
What are the main lifestyle benefits offered by the Celesta Credit Card?
Key lifestyle benefits include BookMyShow movie offers with buy one get one free and 20% discounts, complimentary EazyDiner Prime membership with attractive dining discounts, Tablet Plus hotel privileges, and complimentary golf games and lessons every month at select courses.
Can I convert my Reward Points into cash or air miles?
Yes, Reward Points can usually be redeemed for cash credit at the rate of 1 Reward Point = ₹0.75, or converted into airline miles with select partners such as KrisFlyer at 2 Reward Points = 1 mile, subject to the bank’s latest rewards catalogue and limits.
Who should apply for the IndusInd Bank Celesta Credit Card?
This card is most suitable for high-income, high-spend customers who travel frequently, use lounges and premium hotels, enjoy dining out and movies, and can take full advantage of the welcome vouchers and lifestyle privileges to justify the high joining fee.
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