IndusInd Bank Celesta Credit Card
IndusInd Bank
American Express network card with officially-confirmed fees — Paisabazaar's own review notes it lacks a genuinely low forex markup relative to competing premium cards despite the high joining fee.
₹25,000
Joining fee
₹5,000, waived at ₹10L spend
Annual fee
Annual fee (charged at the 12-month mark) reversed if combined primary + add-on spend reaches ₹10,00,000+ in the period. Add-on card fee Nil.
3.5%
Forex markup
3.5 / 5
Rating
Eligibility
Estimated minimum income: ₹1,50,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 800+
Estimated — not officially confirmed by the bank.
Requires American Express network approval; no further criteria disclosed.
Lounge access
Unlimited domestic / 8 international visits per year
Domestic requires minimum ₹1.5 lakh quarterly spend. International via Priority Pass.
Key features
- Officially confirmed fees via bank's own Schedule of Charges
- 3 pts/₹100 international spend
- Some cardholders migrated here from the discontinued Club Vistara Explorer card
Reward details
1 point per ₹100 (domestic spends)
- 3 points per ₹100 on International spends
Category caps
- Utilities/bills: 0.7 points per ₹100
Redemption
1 point = ₹0.75 cash value; cash redemption capped 10,000 points/month (effective Sept 1 2024).
Ratio: 2:1 conversion to Singapore Airlines KrisFlyer miles
- 3 complimentary golf games and 3 lessons monthly at premium courses.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Complaints
- Lacks a low forex markup and a better international lounge visit frequency compared to competing premium cards, despite the high joining fee — Paisabazaar
Sources
- Official — meta description only
- Official — officially confirms joining/annual fee figures directly
- Aggregator — forex, lounge, rewards, sentiment