Indusind Celesta Credit Card Review

When it comes to premium privileges at an affordable rate, there are very few cards that can be compared with the indusind bank celesta credit card. At an annual fee of just Rs.5,000, it lets you enjoy unlimited free access to airport lounges, attractive deals on dining expenses, free movie tickets, complimentary golf games, and lots more. I can say that this card has enough benefits to outrank most other Indian premium credit cards. More about the indusind celesta credit card benefits are discussed below.

How does the Celesta indusind celesta credit card eligibility work?

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

  • Resident Type: Indian. 
  • IndusInd bank credit card eligibility criteria for salaried person:
    • Age: 18 to 65 yrs. 
    • Income: Rs.45 lakh annually. 
  • IndusInd credit card eligibility criteria for self-employed person:
    • Age: 18 to 65 yrs. 
    • Income: Rs.60 lakh annually. 
  • A higher credit score (750+) is mandatory to apply for this Indusind celesta credit card.

With the successful submission of your indusind credit card application, you will get a unique application id. You can use that id to track your indusind bank credit card application status

What documents are required to apply for the indusind bank celesta credit card?

  • 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 (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report.

What are the indusind celesta credit card fees?

  • IndusInd celesta credit card joining fee: Rs.50,000 + GST
  • Celesta indusind credit card annual fee: Rs.5,000 + GST

What are the Celesta indusind bank credit card benefits?

  • Get rewarded for every transaction you make:

Category of transactions

Rate of earning indusind reward points 

International transactions 

3 indusind reward points for every Rs.100 transaction 

Domestic transactions 

1 reward point for every Rs.100 transaction

The indusind credit card reward points can be redeemed into cash or air miles. 1 indusind reward point is equal to Rs.1 or 1 air mile.

  • Make travel more comfortable with complimentary indusind credit card lounge access:

Using this indusind bank credit card, you can get unlimited free access to domestic and airport lounges along with some exclusive privileges. 

  • Enjoy exclusive deals on car rental services:

With this Indusind celesta 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.

  • Enjoy a luxurious vacation with exclusive deals on hotel booking:

With this indusind bank credit card offers a complimentary tablet plus membership that opens the door for many premium privileges like airport transfer service, early check-in, guaranteed late check-out, spa credit, and lots more.  

  • Experience premium dining with an attractive discount on dining expenses:

Using this indusind premium credit card you can make up to Rs.3,000 annual savings on dining expenses. This indusind card also comes with a complimentary dineout passport membership that offers you up to a 25% discount on your dining bills at 600+ premium restaurants in India.

  • Make your evenings entertaining with free movie tickets:

If you use this celesta credit card to book a movie ticket from BookMyShow, you will get the second ticket completely free. The indusind bank credit card movie offers are available 3 times per indusind credit card billing cycle, there is also a flat Rs.50 off on choosing food and beverages options. You will also get a 20% discount on event and theatre tickets. 

  • Make weekends entertaining with complimentary golf rounds:

With this indusind bank premium card, you can enjoy Golf games at some of the most premium golf courses in India. You will get 3 complimentary golf rounds every indusind card statement cycle. Also, this indusind bank credit card features 3 complimentary golf lessons every month to sharpen your skills. 

  • Enjoy freedom from fuel surcharges:

If you use this indusind credit card to purchase fuel, you will get a 1% waiver on fuel surcharges. The indusind bank credit card fuel surcharge waiver offer is applicable at any fuel station in India, and the transaction amount should be between Rs.400 to Rs.4,000.

  • Complimentary insurance coverage to stand for you:

In case of unfortunate events, your indusind celesta card can stand for you with its built-in insurance coverage. 


Total coverage amount

Air accidental death coverage 

Rs.2.5 Cr.

Loss of baggage 


Loss of passport 


Delay in checked baggage arrival


Loss of ticket 


Loss of connection 


  • A multilingual concierge service team to take care of your needs:

For the users of celesta credit card indusind bank offers a multilingual concierge service facility that can provide you with assistance whenever you need it. Call the indusind credit card customer care number to book your free concierge.

What are the Celesta indusind bank credit card charges?


Payable amount 

IndusInd bank credit card cash withdrawal charges

2.5% against the withdrawn amount (Check your available indusind bank credit card limit before making a withdrawal)

IndusInd credit card finance charges

The indusind credit card interest rate can go up to 2.99% monthly (Applicable if you don’t clear your indusind bank credit card bill within the due date)

IndusInd bank credit card international transaction charges 

3.5% against the transaction amount

IndusInd bank add on credit card fee

Rs.5000 per year 

How to contact the indusind credit card customer care department?

  • Call the indusind bank credit card customer care number: 1860-267-7777 / 022-4406-6666 or 022-4220-7777 (Premium Customers)
  • Write to the indusind bank credit card customer care email id: 

100xGain Ratings: 


Pros and cons of the indusind celesta american express card:



  • This indusind card offers unlimited free access to domestic airport lounges.
  • You will get a handsome discount on car rental.
  • This indusind credit card features some excellent deals on dining and golf.
  • The indusind bank credit card joining fees seems a bit high.
  • The indusind bank rewards earning rate is not that great.

Final Opinion:

It is a premium lifestyle credit card specially designed for top-notch customers. While the indusind credit card joining fees seem quite high, it lets you enjoy extraordinary benefits on domestic lounges, golf, hotel booking, car rental service, dining, movies, and lots more. 

But if you think Rs.50,000 joining fee is too much for this indusind credit card, then there are lots of lifestyle credit cards in the market that have a lower joining fee and greater benefits. The best alternative options are mentioned below, you should take a look at them.

Alternative cards of the indusind celesta card: 

  1. Citibank indian oil platinum fuel credit card (Best for reward points and fuel benefits) 
  2. ICICI intermiles credit card (Best for travel and dining benefits) 
  3. IndusInd bank intermiles odyssey credit card (Best for travel and lounge access benefits) 
  4. Air india sbi platinum card (Best for travel and lounge access benefits) 

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