Interactive Showcase
Scroll narrative
Premium Decision Grade Catalog
INDUSIND BANK LTD
IndusInd Bank Celesta Credit Card
CredHunt may earn an affiliate commission from bank links at no extra cost to you. Learn more
Verified Catalog
Source: INDUSIND BANK LTD Official
Updated: Sep 2026
Overview
Editorial snapshot & Positioning.
Premium American Express credit card offering luxury hotel memberships, lounge access, and enhanced reward points on international spends
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Up to 50 days interestfree period
Highlight 2
2.99% monthly interest rate (36% annually)
Highlight 3
Comprehensive travel and insurance benefits
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹25,000
The front-loaded charge when you apply.
Annual fee
₹5,000
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹810
Basic Points value at ~₹0.15 per point.
Annual Fee: ₹5,00016% Offset
Earns back 16% of your renewal fee.
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"Access to airport lounges at various airports in India"
Hotel Privileges
"Unlimited domestic and international lounges, unlimited domestic airport spas, free IRCTC railway lounge access"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Income proof; Address proof; PAN card"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"ABC Pro variant offers good rewards and low forex markup for frequent travelers, while Nxt and Flex are lifetime free options with lower benefits"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Rewards Type: Basic Points
- Welcome Offer: Oberoi e-gift voucher (valid for six months)
- Accelerated Rewards Program: 6 CV Points on every ₹200 spent up to ₹1 lakh per statement cycle
- Domestic Airport: Access to airport lounges at various airports in India
Cons
- Base Rate: Standard Avios earning on regular purchases
- RP to Rupees: 1 CP = ₹0.15
- International Airport: 4/year
- Travel (Hotels & Other): Unlimited domestic and international lounges, unlimited domestic airport spas, free IRCTC railway lounge access
Apply flow links directly to official bank portals with 256-bit encryption.
CredHunt may earn an affiliate commission from bank links at no extra cost to you. Learn more
Customer Reviews
5.0
0 reviews
5
0
4
0
3
0
2
0
1
0
Please sign in to leave a review.
Sign InCommunity Feedback
Card Q&A
Expert answers for IndusInd Bank Celesta Credit Card
Have a specific question?
No questions yet
Be the first to ask about this card!