Indusind Bank Celesta Credit Card Review

Indusind Bank Celesta Credit card is one of them. It provides so many facilities to their customers such as Welcome offer, Reward points, Offers on hotels, offers on golf, Travel insurance, Fuel surcharge waiver, offers on Movies, etc. It is a very good card for those people who need a multi-purpose credit card of many facilities. Users can use it for all domestic and international merchants. Now let’s go deeper and see does it worth the ₹50,000 joining fee or not. 

Eligibility Criteria: 

The Bank has not mentioned the eligibility criteria for this card, but as per our experience, we can say that it should be like this.  

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 65 yrs. 
    • Income: ₹45 lakh annually. 
  • For self-employed person:
    • Age: 18 to 65 yrs. 
    • Income: ₹60 lakh annually. 
  • Very good CIBIL score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      •  Salary Slip of the last 3 months 
      • ITR
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹50,000 + GST
  • Annual Fee: ₹5,000 + GST


  • Welcome benefit:

With the issuance of the card, you will get a gift voucher worth Rs.50000 Oberoi Groups. You will also get a gift voucher from Montblanc worth Rs.50000.

  • Reward benefit:

If you spend ₹100 for International purposes you will get 3 reward points.

And if you spend ₹100 on domestic purposes you will get 1 reward point.

Reward points can be redeemed into cash. 1 reward point is equal to ₹1

  • Lounge access:

With this card, you will get unlimited access to domestic lounges. And you will get 2 free accesses to International Lounges.

  • Benefits on travel:

With this card, you will get a 10% discount on car rental from Hertz. If you travel with your partner or spouse you will get a driver cum guide for your ride.

  • Benefits on Hotels:

You will get a Shangri-la Golden Circle Jade Membership and Taj Inner Circle membership. You will get some extraordinary benefits on hotel booking from those memberships. 

  • Dining benefit:

You can save up to ₹3000 from your dining spend, throughout the year. 

Under the Dineout Plus Program, you will get a 25% discount on your dining bill at some of the finest restaurants. 

  • Golf benefit:

This card offers 3 golf games and 3 golf lessons every month, at some of the premium golf courses in India. 

  • Fuel surcharge waiver:

This card offers exclusive benefits on fuel surcharges, the transaction amount should be between ₹400 to ₹4000. 

  • Insurance coverage:

This card comes with ₹2.5 Cr. Coverage against air accidental death, ₹100,000 coverage against lost baggage, and up to ₹50,000 coverage against loss of passport, etc. 

  • Add on facility:

You can share the benefits of your card with your loved ones, just add them with your card as add-on members and they can enjoy the benefits of having a credit card. The add-on member must be 18 years old.

  • Concierge Service:

This card comes with an always helpful and active concierge service. They can assist you to consult with renowned designers, they can help you to book a chopper, and lots more.  


  • Cash Withdrawal Charge: 2.5% against the withdrawn amount. 
  • Finance Charge: 2.99% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

Call: 1860-267-7777

Mail: [email protected]

100xGain Ratings:


Final Opinion:

It is a premium lifestyle credit card specially designed for top-notch customers. The ₹50,000 joining is quite high, but if you can afford it you will get some extraordinary benefits on domestic lounges, golf, hotel booking, car rental service, dining, movies, and lots more. But if you think ₹50,000 joining fee is too much for you then there are lots of lifestyle credit cards in the market, you can go for the Axis Bank Select Credit Card or Yes First Preferred Credit Card, both of them comes with a relatively low cost and also offers some decent benefits. 

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