The IndusInd Celesta Credit Card costs Rs 5,000 a year, waived if you spend Rs 10,00,000 in a year. Its base return is 0.75% (1 RP per Rs 100 domestic). Accelerated earn: 3 RP per Rs 100 on international spend. The forex markup is 3.5%. Abroad: 2 per quarter via Priority Pass. Read from the issuer's documents and an aggregator on 12 Oct 2026.
Waiver threshold per MITC list (alignment ambiguous)
Rewards
Welcome benefitunverified
Vouchers worth Rs 25,000 (Oberoi, Montblanc etc.)
Reward currency
Reward Points
Base earnunverified
1 RP per Rs 100 domestic
Base returnunverified
0.75%
Point valueunverified
1 RP = Rs 0.75 cash credit
Accelerated earnunverified
3 RP per Rs 100 on international spend
Capsunverified
Cash redemption max 10,000 RP per statement month
Spends that earn nothingunverified
0.70 RP per Rs 100 on utility bills, insurance premiums, government services and education fees, domestic and international (issuer notice effective 1 Aug 2019). Aggregator: no RP on fuel
Reward notes
base_return_pct = 1 RP per Rs 100 x Rs 0.75; 2.25% on international spend before 3.5% markup.
Transfers
Partnersunverified
Singapore KrisFlyer
Ratiounverified
Sources conflict: 1 RP = 1 airmile or 2 RP = 1 KrisFlyer mile
Travel and perks
Domestic loungeunverified
Aggregator: unlimited, one section conditioning it on Rs 1.5 lakh spend in the previous quarter. Issuer page: from the July 2026 quarter domestic access must be unlocked by a spend criterion tracked from 1 Apr 2026 (threshold not on page)
Golf: 1 game and 1 lesson per month (effective 10 Mar 2026 per issuer page), needs Rs 25,000 spend in the last statement. Aggregator, not on issuer page: BookMyShow BOGO 3 per month up to Rs 700; air accident cover Rs 2.5 crore. MITC: no rent surcharge
Charges and eligibility
Interest per month
2.99%
Late payment fee
By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300
Cash advance fee
2.5% min Rs 300
Fine-print notes
Issuer product page read as plain text on 2026-10-12; fields updated from it. The product page text is short: it carries only the golf and domestic-lounge notices, so almost all reward and benefit fields still rest on the aggregator. Network confirmed as American Express by issuer text naming the 'Celesta American Express Credit Card'. Product page is live with no discontinuation notice. Other issuer pages used: https://bank.indusind.com/pioneer/personal-banking/cards/pioneer-legacy-credit-card1.html (Aug 2019 reduced-earn table, golf programme terms). Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).
Questions
What is the annual fee of the IndusInd Celesta Credit Card?
Rs 5,000 a year, before GST. It is waived if you spend Rs 10,00,000 in a year.
Does the IndusInd Celesta Credit Card give airport lounge access?
Yes. In India: Aggregator: unlimited, one section conditioning it on Rs 1.5 lakh spend in the previous quarter. Issuer page: from the July 2026 quarter domestic access must be unlocked by a spend criterion tracked from 1 Apr 2026 (threshold not on page). Outside India: 2 per quarter via Priority Pass. Conditions: Extra visits up to USD 35
What is the forex markup on the IndusInd Celesta Credit Card?
3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the IndusInd Celesta Credit Card?
0.70 RP per Rs 100 on utility bills, insurance premiums, government services and education fees, domestic and international (issuer notice effective 1 Aug 2019). Aggregator: no RP on fuel
