What is the annual fee for Celesta Credit Card?

The Celesta Credit Card carries an annual fee of ₹5,000, along with a ₹25,000 joining fee. However, the annual fee is waived if you maintain an annual spend of ₹10 lakh or more in a calendar year.

How to apply for Celesta Credit Card?

You can apply for the Celesta Credit Card through IndusInd Bank's official website, mobile app, or by visiting a nearby branch. The bank will assess your income, credit history, and eligibility before processing your application.

What rewards does Celesta Credit Card offer?

Specific reward rates and structures for the Celesta Credit Card are not detailed in our current data. We recommend checking IndusInd Bank's website or contacting their customer service for detailed information on points, cashback, and reward redemption options.

What are the eligibility criteria for Celesta Credit Card?

Eligibility criteria for the Celesta Credit Card are not specified in our database. Typically, premium cards require a strong credit score, stable income, and minimum income thresholds. Visit IndusInd Bank's official website or contact them directly for exact requirements.

Does Celesta Credit Card offer airport lounge access?

Details regarding airport lounge access and other lifestyle benefits for the Celesta Credit Card are not provided in our current information. Given its premium positioning, lounge access is likely included — confirm with IndusInd Bank for complete benefits details.

Is Celesta Credit Card worth it?

The Celesta card suits high-spenders who can easily cross the ₹10L annual spend threshold to waive the ₹5,000 fee. If you value premium lifestyle perks and frequently travel internationally, it may be worthwhile, but compare it with competing premium cards based on your specific spending patterns.

Credit Cards

LifestylePremiumVisa

Celesta Credit Card

Premium lifestyle experiences for high-net-worth spenders

Annual fee₹5,000Waived on ₹10.0L spend

Rewards—

Forex markup3.5%

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Rewards

Base earn rate

0 pts per ₹100

• Redemption fee: ₹100

Fees & charges

Joining fee: ₹25,000
Annual / renewal fee: ₹5,000 per year
Annual fee waiver: On ₹10.0L spend
Interest rate: 2.99% per month (36% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹300
Overlimit fee: 2.5%, min ₹500
Payment dishonour: ₹250
Forex markup: 3.50%
DCC markup: 1%
Reward redemption: ₹100 per redemption

View official MITC →

Features

Additional features

Your wish is the command. Your desire is the benchmark. Your choice is the gospel truth. We know that you never settle for anything but the finest. Keeping your stellar lifestyle and polished tastes in mind, we have curated a Card that is as extraordinary as you are. A Card that ushers you into a world of exotic benefits, elite offers and enchanting privileges that are hand-picked for the true connoisseur. Sit back, relax and get ready for the good life, made even better.