Is the IndusInd Bank Celesta Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- International card
- ₹5,900 fee a year (with GST)
- Fee waived from ₹83,333 a month
- 0.75% base, up to 2.25% on foreign spends
- Unlimited lounge visits
- Pays in reward points
- foreign spends: 2.25% back
- spending ₹83,333 or more a month: the ₹5,900 fee is waived
- frequent flyers: unlimited airport lounge visits
- you spend less than ₹83,333 a month (₹10,00,000 a year, rent and wallet loads not counted): the ₹5,900 fee is then charged
- most of your spending is fuel: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on foreign spends: the 2.25% rate applies only there, everything else earns 0.75%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 2.99% a month (35.88% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: 1 reward point per ₹100 on domestic spends; redeemable at ₹0.75/point for cash credit, but cash redemption is capped at 10,000 points per month (₹149 + GST redemption fee applies)
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI | - |
| Online shopping | 0.75% | No cap | The card's normal rate | - |
| Dining and food delivery | 0.75% | No cap | The card's normal rate | - |
| Groceries | 0.75% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 0.75% | No cap | The card's normal rate | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 0.53% | No cap | All merchants in the categoryTerms: 0.70 RP per ₹100 (~0.53%) on utility bill payments, the reduced rate from IndusInd's 1 Aug 2019 revision, not the 1-per-₹100 base | - |
| Rent | 0.53% | No cap | All merchants in the categoryTerms: 0.70 RP per ₹100 (~0.53%) on real estate and rental payments, added to the reduced list effective 20 January 2022 | - |
| Insurance premiums | 0.53% | No cap | All merchants in the categoryTerms: 0.70 RP per ₹100 (~0.53%) on insurance premium payments, reduced rate, 1 Aug 2019 revision | - |
| School and college fees | 0.53% | No cap | All merchants in the categoryTerms: 0.70 RP per ₹100 (~0.53%) on education institute fees, reduced rate, 1 Aug 2019 revision | - |
| Wallet top-ups | 0.75% | No cap | The card's normal rate | - |
| Taxes and government payments | 0.53% | No cap | All merchants in the categoryTerms: 0.70 RP per ₹100 (~0.53%) on government services, charges and payments, reduced rate, 1 Aug 2019 revision | - |
| Spend abroad or in a foreign currency | 2.25% | No cap | All merchants in the categoryTerms: 3 reward points per ₹100 on international spends, but note the 3.5% forex markup applies, which erodes most of the extra earn | - |
| Everything else | 0.75% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
Guides in Plain Words
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