Credit Cards · Honest Review
IndusInd Bank Celesta Credit Card
IndusInd Bank · Mastercard
Your Verdict
- ✓Unlimited domestic + international lounge access (DreamFolks)
- ✓1 reward point = ?1 � no value erosion on redemption
- ✓2% FX markup for international transactions
- ✓Golf: complimentary green fee waiver at 1,500+ courses worldwide
- ✓Comprehensive travel insurance up to $1M
What IndusInd Bank Celesta Credit Card costs you
IndusInd Bank Celesta Credit Card carries a ₹9,999 annual fee and a ₹9,999 one-time joining fee. The annual fee is waivable: Spend ?15L in a year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹9,999 |
| Joining fee (one-time) | ₹9,999 |
| Fee waiver condition | Spend ?15L in a year |
| Spend required for waiver | ₹15,00,000 / year |
| Foreign transaction fee (forex markup) | 2% per transaction |
What you earn on every rupee spent
IndusInd Bank Celesta Credit Card earns 1.50% on all eligible spends as a base reward rate, with accelerated rates on travel & flights, dining & food and other bonus categories listed below. Each reward point is worth ₹1 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.50% |
| ✈️ Travel & Flights | 3% |
| 🍽️ Dining & Food | 3% |
10,000 reward points on first spend of ?25,000
Reward types: Points · Lounge · Miles
Beyond the reward rate
The non-reward benefits on IndusInd Bank Celesta Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for IndusInd Bank Celesta Credit Card
IndusInd Bank Celesta Credit Card requires a minimum net monthly income of ₹3,00,000 for salaried applicants and a CIBIL score of 780 or above. It is open to salaried employees and self-employed professionals and business owners.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹3,00,000 |
| CIBIL score | 780+ (good to excellent) |
| Age range | 21–65 years |
| Employment type | Salaried, Self-employed, Business owner |
| Typical approval time | 7�14 working days |
Premium card � requires high income or net worth proof.
Who should (and shouldn't) get IndusInd Bank Celesta Credit Card
- → Heavy spenders on travel & flights who want 3% back
- → Heavy spenders on dining & food who want 3% back
- → Frequent travelers who value airport lounge access
- → International spenders benefiting from low forex markup
- → Moderate spenders who can clear the fee waiver condition
- → Low spenders who won't recover the high annual fee
- → Applicants with monthly income below ₹3,00,000
IndusInd Bank Celesta Credit Card — Questions answered
What is the annual fee for IndusInd Bank Celesta Credit Card?
What is the minimum income required for IndusInd Bank Celesta Credit Card?
What is the reward rate on IndusInd Bank Celesta Credit Card for travel & flights?
Does IndusInd Bank Celesta Credit Card provide airport lounge access?
How do I get the annual fee waived on IndusInd Bank Celesta Credit Card?
How long does it take to get IndusInd Bank Celesta Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.