IndusInd Bank Celesta Credit Card
IndusInd Bank
Earn rate
Confirm on the official page
Official source not yet captured
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at indusind.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at indusind.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Celesta Credit Card by IndusInd Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Rewards
Redemption value
- Reward Redemption Fee: For Cash Redemption ₹149 w.e.f 1st April 2025.
- For all other category Redemption ₹100.
Verifiedmitc10 Aug 2026, 7:01 PM ISTIndusInd Bank
Travel & lounge
Lounge access
Priority Pass lounge usage fee up to US$35 per person per visit applicable after utilization of complimentary visits for Celesta Credit Card.
Verifiedmitc10 Aug 2026, 7:01 PM ISTIndusInd Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
3.5% Foreign Currency Mark-Up (GST as per standard rate shall be applicable).
Verifiedmitc10 Aug 2026, 7:01 PM ISTIndusInd Bank
Charge
- Interest charge: 2.85% per month / 34.00% per annum (per MITC) [Note: cardholder agreement states 2.99% per month / 36% per annum].
- Cash Advance Charges: 2.5% of the advance amount subject to a minimum of ₹300.
- Balance Enquiry Charges on Non-IndusInd Bank ATMs: ₹25.
- Over Limit Charges: 2.5% of Over Limit Amount subject to a minimum of ₹500.
- Returned Payments/Cheque: ₹250.
- Cash Payment Fee at IndusInd Bank Branch: ₹100.
- Duplicate Physical Statement Request: ₹100 per statement (beyond last 3 months).
- Re-issue/Replacement: ₹100.
- Charge-slip Request: ₹300.
- Foreign Currency Mark-Up: 3.5% (GST as per standard rate).
- Dynamic Currency Conversion Fee (till 14th June 2026): 1% Mark-up fee plus taxes.
- (Effective 15th June 2026): 1% Fee + GST on Celesta.
- Late Payment Charges (till 14th June 2026): Up to ₹100 NIL.
- ₹101-500 ₹100.
- ₹501-1,000 ₹350.
- ₹1001-10,000 ₹550.
- ₹10,001-25,000 ₹800.
- ₹25,001-50,000 ₹1,100.
- Above ₹50,000 ₹1,300.
- Late Payment Charges (Effective 15th June 2026): Up to ₹100 NIL.
- ₹101-500 ₹100.
- ₹501-1,000 ₹500.
- ₹1001-5,000 ₹600.
- ₹5001-10,000 ₹750.
- ₹10001-25,000 ₹900.
- ₹25,001-50,000 ₹1,100.
- Above ₹50,000 ₹1,300.
- Rent payments through third-party merchants: 1% Fee + GST (not levied on Celesta).
- Utility payment transactions: 1% Fee + GST on cumulative spends over ₹25,000 in a statement cycle.
- Wallet Loading transactions: 1% Fee + GST on cumulative spends over ₹20,000 in a statement cycle.
- Education Payment transactions: 1% Fee + GST on cumulative spends over ₹45,000 in a statement cycle through third-party.
- Fuel Transactions (Effective 15th June 2026): 1% Fee + GST on cumulative fuel transactions exceeding ₹50,000 in a statement cycle.
- Transaction fees on Transport Excluding Air (Effective 15th June 2026): 1% Fee + GST on cumulative transactions exceeding ₹40,000 spends in a statement cycle.
Verifiedmitc10 Aug 2026, 7:01 PM ISTIndusInd Bank
Fuel surcharge waiver
- 1% Fuel Surcharge waiver (waived for transactions between ₹400 and ₹4000; GST on fuel surcharge as per standard rate applicable and borne by customer).
- Subject to minimum of INR 10.
Verifiedcardholder_agreement10 Aug 2026, 7:01 PM ISTIndusInd Bank
Interest-free period
- Up to 50 days.
- Interest-free period is not applicable if Total Amount Due is not paid in full.
Verifiedcardholder_agreement10 Aug 2026, 7:01 PM ISTIndusInd Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
Is the Celesta Credit Card annual fee ever waived?
Annual Fee waiver on spend criteria of Rs. 10 Lakhs or more in last anniversary year.
mitcWhat lounge access does the Celesta Credit Card include?
Priority Pass lounge usage fee up to US$35 per person per visit applicable after utilization of complimentary visits for Celesta Credit Card.
mitcWhat are the transfer ratios for Celesta Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.indusind.bank.in/content/dam/indusind-corporate/credit-cards/MITC_Premium.pdf.
VerifiedCelesta Credit Card (fleet document) — governing document (side-door search)15 Aug 2026, 11:11 AM ISTIndusInd Bank
Verified 2026-08-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.