IndusInd Bank Celesta Credit Card
IndusInd Bank Celesta Credit Card
Up to 50 days interestfree period
2.99% monthly interest rate (36% annually)
Comprehensive travel and insurance benefits
Personalized Match by CredHunt • credhunt.com
Premium American Express credit card offering luxury hotel memberships, lounge access, and enhanced reward points on international spends
Joining Fee
₹25000
Annual Fee
₹5000
Rating
5.0/5.0(0 reviews)
Key Features
Up to 50 days interestfree period
2.99% monthly interest rate (36% annually)
Comprehensive travel and insurance benefits
Rewards Program
Base Rewards
Reward Type
Basic Points
Base Reward Rate
Standard Avios earning on regular purchases
Point Value
1 CP = ₹0.15
Points Expiry
N/A
Bonus Rewards
Welcome Offer
Oberoi e-gift voucher (valid for six months)
Accelerated Rewards
6 CV Points on every ₹200 spent up to ₹1 lakh per statement cycle
Card Benefits
Travel Benefits
Access to airport lounges at various airports in India
Unlimited domestic and international lounges, unlimited domestic airport spas, free IRCTC railway lounge access
Dining & Entertainment
Club Marriott membership with up to 30% discount at participating restaurants
7% back as NeuCoins on Entertainment (Tata Play, Cult.fit)
Lifestyle & Protection
Not specified in search results beyond general cashback categories
Air accident insurance; Lost card liability protection
N/A
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | N/A |
| Foreign Currency Markup | N/A |
| Cash Advance Fee | N/A |
| APR | 3.80% per month (45.60% per annum) |
| Late Payment Fee | N/A |
| Fuel Surcharge | 1% waiver at all fuel stations, capped at ₹500 per month |
| Balance Transfer Charges | N/A |
Additional Charges
Statement & Processing
Duplicate Statement Charges
N/A
Dynamic Currency Conversion Fee
N/A
EMI Charges
N/A
Loan Processing Fee
N/A
Outstation Processing Charge
N/A
Additional Fees
Overlimit Fees
N/A
Payment Return Charges
N/A
Railway Ticket Purchase Fee
N/A
Card Reissue Fee
N/A
Rent Pay Transactions
N/A
Rewards Redemption Fee
N/A
Fee Waiver Conditions
Annual fee waived on spending ₹3 lakhs in the previous year
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
Income proof; Address proof; PAN card
Expert Opinion
ABC Pro variant offers good rewards and low forex markup for frequent travelers, while Nxt and Flex are lifetime free options with lower benefits
Customer Reviews
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