IndusInd Celesta Credit Card
Travel
Reward Points
1st Year Fee: ₹25,000* Plus Applicable Taxes
Rewards
Up to 3 reward points per Rs. 100
Memberships
Club Marriott & Tablet Plus
Movie
Free tickets per month via BookMyShow
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About IndusInd Bank Celesta Credit Card
IndusInd Bank Celesta Credit Card is one of the premium offerings by IndusInd Bank that comes at an annual fee of Rs. 5,000 (Joining fee: Rs. 25,000). The card comes with a range of travel and lifestyle features like Club Marriott membership, airport lounge access, complimentary golf games, EazyDiner Prime membership, and more. It is offered on the American Express network, and consumers can avail some additional benefits through the American Express platform.
The card competes with other similar cards like YES Bank Marquee, SBI Elite, etc.—all that offer premium type benefits at an affordable fee. However, in comparison to these cards, the reward rate on Celesta is not impressive at 2.25% for accelerated category and 0.75% for base rate. Though it offers incremental rewards on international spending, it lacks in offering some other essential privileges for international travelers, such as a low forex markup and a better frequency on international airport lounge visits, which most cards in the fee range of Rs. 5,000 offer.
Considering the decent lifestyle benefits around golf, movies, and dining, consumers can make the most of this card by using it in combination with other cards, preferably ones with a good reward rate. Considering that the joining fee is high, if you do not want to pay more, you can also consider rewards or cashback cards across entry-level cards for a good reward rate to compensate for where the card lacks.
This card is not available at Paisabazaar.com. The content on this page is for information only..
Rewards & Travel Benefits
Rewards Program
- 1 reward point per Rs. 100 spent domestically and 3 reward point per Rs. 100 spent on international transactions
- 0.7 reward points per Rs. 100 spent on utility bills, insurance premiums, Government services, education and rent
- 2:1 conversion ratio on conversion to Krisflyer miles with Singapore Airline
- 1 reward point = Rs. 0.75 when redeeming in cash
Hotel Benefit
- Complimentary Club Marriott 1-2 and Tablet Plus membership3
Lounge Access
- Unlimited domestic airport lounge access
- Complimentary Priority Pass Membership with 2 complimentary international airport lounge visits per quarter
Other Features & Benefits
Dining Benefit
- Complimentary EazyDiner Prime Membership through which users can get up to 50% discount at 2000+ restaurants in India and Dubai
- Up to Rs. 3,000 off at select restaurants
Movie Benefit
- Buy One Get One ticket free via BookMyShow, 3 times in a month (max price per ticket- Rs. 700)
- 20% off on events and theatre bookings via BookMyShow
Golf Benefit
- 3 complimentary Golf games and 3 complimentary Golf lessons per month at some of the most premium golf courses in India
IndusInd Bank Celesta: Fees & Charges
| Fee Type | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 25,000 | ||||||||||||||||
| Annual Fee | Rs. 5,000 | ||||||||||||||||
| Finance Charges | 2.99% p.m. | 36% p.a. | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You do not mind paying a high joining fee
You want premium type benefits at an affordable fee
You frequently travel via Singapore Airlines and can maximize on the miles conversion benefit
You own other credit cards with a good reward rate
Other Similar Credit Cards:
Yes Bank Marquee Credit Card
SBI Card Elite
AU Zenith+
Paisabazaar Review
What do we like about this card?
Miles conversion of 2:1 against Singapore Airlines makes it a good option for those who put maximum spends on the card and are also loyalists of Singapore Airlines. Complimentary Club Marriott and Tablet Plus memberships further enhance the value-back when travelling. Additionally, for lifestyle benefits, users can avail decent returns across dining, movies, and golf.
Pros
- Decent value against cashback redemption
- Accelerated rewards on international spends
- Complimentary Club Marriott and Tablet Plus membership
- Up to 3 movie tickets every month
- Inclusion of often restricted transactions in rewards program
Cons
- Very high joining fee
- Miles conversion with just 1 airline partner
- Limited international lounge access
Frequently Asked Questions
Everything you need to know about this credit card
The card charges a forex markup fee of 3.5%.
Yes, the card offers an annual fee waiver criteria on spends of Rs. 10 Lakh in the previous year.
Yes, w.e.f September 1, 2024, maximum 10,000 reward points are allowed per month for cash redemption.
The card offers a 1% fuel surcharge waiver across all fuel station in India, up to Rs. 500 on transactions ranging between Rs. 500 and Rs. 4,000.
The card charges a cash advance fee of 2.5% of the withdrawn amount subject to a minimum of Rs. 300.
Footnotes
- Offers up to 20% off on best available room rates and 25% off on food and beverages.
- Valid at participating properties in Asia Pacific region.
- Offer benefits like VIP upgrades at some of the best hotels around the world, complimentary breakfast, guaranteed late check out, valet parking and airport transfers among other benefits.
Click here to know More Terms and Conditions
Megha Khanna
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
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