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COFFERCards. Points. Value.
IndusInd Bank Celesta Credit Card
IndusInd Bank

IndusInd Bank Celesta Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns Reward Point

First-year fee

₹25,000 to join.

Annual fee

₹5,000 a year.

What it gives back

1 Reward Point per ₹100 · everyday spends

Read from 8 IndusInd Bank documents, last checked 19 Oct 2026.

Apply on IndusInd Bank

Our calculation

0.75% value back

Every ₹1,00,000 spent at this rate earns about 1,000 points, worth about ₹750 at the value IndusInd Bank states for a point.

IndusInd Bank's rate: “1 Reward Point for every ₹100 spent on domestic transactions” Proof
The bank’s words

“Domestic Spends Earn 1 Reward Point for every ₹100 spent on domestic transactions.”

IndusInd Bank's point value: “1 Reward Point = ₹0.75” Proof
The bank’s words

“Get Cash Credit in the ratio of 1 Reward Point = ₹ 0.75.”

How it compares

Compared with the cards we have read

₹5,000 annual fee: of the 273 other open cards whose annual fee we have read, 245 state a lower one, 7 state the same and 21 state a higher one.

3.5% forex markup: of the 291 other open cards whose forex markup we have read, 103 state a lower one and 188 state the same.

0.75% value back by our calculation: of the 49 other open cards we can work this out for, 41 return less, 1 returns the same and 7 return more.

Fees

  • Joining fee

    ₹25,000 to join.

  • Annual fee

    ₹5,000 a year.

  • Fee waiver rule

    Annual fees will be reversed if spends during the period on the card account (Combined spends of Primary and all Add-on Cards, if any) is ₹10,00,000 or more.

  • Add-on card fee

    ₹0

Welcome offer

  • Welcome benefit

    Welcome gift on payment of the Joining fee.

Rewards

  • Reward rate

    1 Reward Point per ₹100 · everyday spends1 Reward Point for every ₹100 spent on domestic transactions.

  • Reward earning on international spends

    3 Reward Points for every ₹100 spent on International transactions.

  • Catalogue redemption

    1 Reward Point = ₹0.75.

Card benefits

  • International lounge access

    2 Complimentary International Lounge access per quarter.

  • Domestic lounge access

    Effective 1st April, 2026 spends criteria tracking will be initiated to unlock complimentary domestic lounge access from July, 2026 quarter onwards

  • Hotel or travel programme

    Complimentary Tablet Plus Membership: VIP upgrades and privileges at hotels around the world.

  • Golf

    1 complimentary game and 1 complimentary lesson per month.

  • Concierge

    Call 1860 267 7777 for Concierge.

  • Movie or entertainment ticket benefit

    Up to 3 free movie tickets per month with BuyOneGetOne Offer from BookMyShow

Also included

  • Lost card liability

    Insurance cover up to 48 hours prior to you reporting the loss of your Card

  • Travel insurance

    Lost baggage up to ₹1,00,000

Charges

  • Forex markup

    3.5% on foreign currency transactions.

  • Dynamic currency conversion markup

    1%1% Fee + GST

  • Cash advance fee

    2.5% of the advance amount subject to a minimum of ₹300

  • Interest on unpaid balance

    2.99% Monthly Rate, 36% Annual Rate.

  • Interest-free period

    Up to 50 days

  • Late payment fee

    Nil to ₹1,300 by outstanding balance (₹1,300 above ₹50,000)

  • Over-limit fee

    2.5% of Over Limit Amount, subject to a minimum of ₹500

  • Payment return or dishonour fee

    Returned payments: ₹250

  • Statement or duplicate statement fee

    Duplicate physical statement request: ₹100 per statement (beyond last 3 months)

  • Card replacement fee

    Re-issue/Replacement: ₹100 for All Other Credit Cards.

  • Education / school fee charge

    1% Fee + GST on the cumulative spends on education payments made through third-party websites and applications more than ₹45,000 in a statement cycle

  • Reward redemption fee

    For Cash Redemption — ₹149 w.e.f 1st April 2025. For all other category Redemption — ₹100

  • Wallet load charge

    1% Fee + GST on the cumulative spends on wallet loading transactions more than ₹20,000 in a statement cycle

  • Fuel transaction fee

    1% Fee + GST on cumulative fuel transactions exceeding ₹50,000 in a statement cycle

  • Rent transaction fee

    Nil

  • Utility transaction fee

    1% Fee + GST on the cumulative spends on Utility payments transactions more than ₹25,000 in a statement cycle

  • GST note

    GST: at the current rate, as notified by Ministry of Finance, Government of India

  • Grace days after the due date

    Grace period of 3 days is allowed from the payment due date on Credit Card Accounts, where payments are not overdue; late payment charges are levied when the account remains past due for more than 3 days.

  • Minimum amount due

    100% of EMI amount + 100% of GST + 100% of Fees/Charges + 100% of Finance Charges + Overlimit Amount (if any) + 2% of Retail Spends/Cash Advance/remaining balance outstanding

In the terms, not the brochure

  • Whether carrying a balance ends the interest-free period

    Interest free credit period is applicable only if all previous dues are paid in full, and there is no unpaid balance carried over from previous month's statement outstanding dues

How we know

8 documents from IndusInd Bank, checked 19 Oct 2026.

  • Linked page on www.indusind.bank.in7 Oct 2026Proof
  • Celesta 2019 Benefit Guide29 Sep 2026Proof
  • Card pageProof
  • MITCProof
  • Card terms and conditionsProof
  • Fees and charges pageProof
  • Reward points termsProof
  • Lounge access termsProof

On these lists

Apply on IndusInd Bank

₹5,000 a year

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