IndusInd Bank
IndusInd Bank Celesta Credit Card
Data last verified: 11 October 2026
- Joining fee₹25,000 + GST
- Annual fee₹5,000 + GST
- Reward rate0.75% base, up to 2.25% on foreign spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹25,000 + GST
- Annual fee₹5,000 + GST
- Fee waiverOn ₹10 lakh spend a year
- Forex markup3.5%
- Interest (APR)2.99% a month, 35.88% a year
01IndusInd Bank Celesta Credit Card Rewards and Benefits
02IndusInd Bank Celesta Credit Card Annual Fee and Charges
- Joining fee
- ₹25,000 + GST
- Annual fee
- ₹5,000 + GST
- Spend-based waiver
- Annual fee waived on ₹10 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- ₹100 per request
- Forex markup
- 3.5%
- Interest rate
- 2.99% a month (35.88% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on spend abroad or in a foreign currency, earning 2.25%₹113
- ₹15,000 on everything else, earning 0.75%₹113
- Back each month, ₹2,712 a year₹226
- Annual fee with 18% GST−₹5,900
- It costs you each year₹3,188
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Foreign spends: 2.25% back
- Spending ₹83,333 or more a month: the ₹5,900 fee is waived
- Frequent flyers: unlimited airport lounge visits
Skip it if…
- 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
04How IndusInd Bank Celesta Credit Card earns Rewards
0.75% base, up to 2.25% on foreign spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| 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 |
Terms on the base 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)
Point value. 1 point is worth about ₹0.75 at the bank's stated value.
05IndusInd Bank Celesta Credit Card Lounge Access and Travel
Domestic lounge access is unlimited, international is 8 visits a year, through Priority Pass with Priority Pass. Spend Rs 150,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.5% forex markup; rewards on it: 2.25% back. See what it costs on your trip
Also on the card. fuel surcharge waiver, golf privileges, airport lounge access.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions of ₹500 to ₹4,000, capped at ₹500 per billing cycle (w.e.f 5 May 2024). The fuel spend itself earns no reward points.
- Golf privileges: 1 complimentary golf game and 1 golf lesson every calendar month at leading Indian clubs, the quota IndusInd set with effect from 10 March 2026.
- Airport lounge access: 2 complimentary international Priority Pass visits each calendar quarter, outside India; US$35 a visit within India, for guests and beyond the quota. Domestic lounge access is unlimited, but from the Jul-2026 quarter only on ₹1,50,000 of spend in the previous quarter.
06IndusInd Bank Celesta Credit Card Eligibility and Documents
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
07Recent Changes
What IndusInd Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Jun 2026 | Reduced: New 1% surcharge on transport spends above ₹40,000/cycleSource: IndusInd Bank | No transport surcharge | 1% + GST above ₹40,000 per cycle |
| 1 Apr 2026 | Reduced: Unlimited domestic lounge access gated behind ₹1.5L quarterly spendSource: IndusInd Bank | Unlimited domestic lounge access, unconditional | Unlimited, but only if ₹1,50,000 spent in the previous quarter |
| 10 Mar 2026 | Changed: Golf benefit restructured to 1 game + 1 lesson per monthSource: IndusInd Bank | - | 1 complimentary game + 1 complimentary lesson per month |
| 21 Dec 2025 | Reduced: Complimentary air-accident insurance withdrawnSource: IndusInd Bank | Complimentary air-accident cover provided with the card | No air-accident cover |
| 4 May 2025 | Reduced: New 1% fee on fuel spends above ₹50,000/cycleSource: IndusInd Bank | No bank fee on fuel spends | 1% + GST on cumulative fuel above ₹50,000 per statement cycle |
See this card's change history → · All card changes in June 2026 →
08Cards Similar to IndusInd Bank Celesta Credit Card
IndusInd Bank Celesta Credit Card is a international card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IndusInd Bank Celesta Credit Card |  AU Traverse Credit Card |  AU Xcite Ultra Credit Card |
|---|---|---|---|
| Joining fee | ₹25,000 + GST | ₹4,999 + GST | ₹749 + GST |
| Annual fee | ₹5,000 + GST | ₹4,999 + GST | ₹749 + GST |
| Rewards | 0.75% base, up to 2.25% on foreign spends | 0.5% base, up to 1% on foreign spends | 1% base, up to 3% on foreign spends |
| Domestic lounge | Unlimited | 8 visits a year | 8 visits a year |
| Forex markup | 3.5% | 0.99% | 3.49% |
| Type | International | International | International |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your IndusInd Bank Celesta Credit Card Bill
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Common Questions
What is the joining fee for the IndusInd Bank Celesta Credit Card?
The joining fee is ₹25,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IndusInd Bank Celesta Credit Card?
The annual fee is ₹5,000 + GST.
Does the IndusInd Bank Celesta Credit Card give airport lounge access?
Yes. Domestic lounge access is unlimited, international is 8 visits a year, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IndusInd Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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