IndusInd Bank Celesta Credit Card

The Bottom Line

High Fee, Low Rewards, Unlimited Lounge Access

3 reward Points / ₹100 on foreign spends, 1 points on all other spends and 0.70 points on selected categories. Unlimited domestic lounge access.

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Monthly Spend	₹5K	₹10K	₹20K	₹50K	₹100K
Net Reward Yield	-7.7%^	-3.4%^	-1.3%^	0.0%	0.9%
Est. Monthly Reward (₹)	(390)	(340)	(255)	20	905
All-India Rewards Rank*	361	363	365	361	150
Within Bank Rank*	17	17	17	18	7
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. ^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The IndusInd Bank Celesta Credit Card gives 2.25% effective reward on foreign spending, 0.53% on selected categories (government services/charges, utility bill payments, insurance payments, and educational institutions fees) and 0.75% on all other spending.

Overall, we estimate you can earn a net reward yield of 0.9% on spending above ₹1 Lacs with this card in a month.

The Legend Credit Card is the best credit card from IndusInd Bank for customers who charge less than ₹1 lacs a month to their cards.

We estimate it offers a net reward yield of 1.0% on all your spending.

If you spend more than ₹1 lacs a month on your card, you should get the Club Vistara IndusInd Bank Explorer Credit Card. This card offers a net reward yield of 1.3% which is better than the Legend at this level.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card	IndusInd Bank Celesta Credit Card
Card Type	Reward
Reward Features	3 Reward Points / ₹100 on Foreign Spends 1 Reward Points / ₹100 on all other spends 0.70 Reward Points / ₹100 on Selected categories – Government services/charges – Utility bill payments – Insurance payments – Educational Institutions fees
Milestone Rewards	Nil
Other Rewards	– Unlimited Complimentary Domestic Airport Lounge Visits – Complimentary Dineout Passport Membership – 20% off on your dining bills (up to ₹3,000) – 3 Complimentary Golf Lessons / mth. – 3 Complimentary Golf Games / mth. – 1+1 on movie tickets every month (3 Tickets) – 20% off on event/movie bookings on BookMyShow – 10% off on Hertz car rentals
Rewards Redemption Fee	₹100
Reward Caps	Unlimited
Preferred Redemption Method	Cashback against statement balance @ ₹0.75 / reward point

Fees & Charges

Card		IndusInd Bank Celesta Credit Card
Joining Fee		₹50,000 + Taxes
Annual Fee		₹5,000 + Taxes
Min. Annual Credit Card Spend for Fee Waiver		₹10 Lacs
Income Criteria	Salaried	N/A
Income Criteria	Self-employed	N/A
Supplementary Card Fee		₹5,000 + Taxes
Interest Rate		35.88% p.a.
Foreign Currency Markup		3.50%
Cash Advance Charge		2.50% transaction amount minimum of ₹300