Ultra-Luxury Handcrafted Metal Card with Bespoke Golf and Concierge Privileges
Ultra-high-net-worth individuals, golf aficionados, luxury diners, and international executives seeking bespoke concierge services and unlimited airport lounge luxury.
₹25,000
One-time upfront₹5,000
Waived on ₹10 lakh annual spend1 Reward Point for every Rs. 100 you spend on domestic purchases. 3 Reward Points for every Rs. 100 you spend on international purchases.
On eligible spends12 Domestic + 8 International visits/year · ₹1.5L quarterly spend required (Domestic)
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The IndusInd Bank Celesta Credit Card represents the zenith of IndusInd's luxury credit card portfolio. Crafted in handcrafted metal, it is tailored for affluent executives and business leaders who demand bespoke lifestyle services, effortless international travel comfort, and privileged access to elite golf courses. While the card carries an upfront joining fee of ₹25,000 (or ₹50,000 depending on the welcome luxury voucher package chosen) and an annual fee of ₹5,000 plus GST, it provides lavish welcome benefits, including high-value luxury hotel and retail vouchers from brands like ITC Hotels, Oberoi, and EazyDiner Prime. The card's rewards structure is clean and rewarding: cardholders earn 3 reward points per ₹100 spent on international transactions and 2 reward points per ₹100 on domestic retail spends. Crucially, 1 Celesta reward point equals ₹1 in cash credit or airline miles conversion, translating to an effective 2% to 3% return with zero redemption fees. Travel and leisure privileges are exceptional: cardholders receive unlimited complimentary domestic airport lounge access for the primary cardholder, alongside a complimentary Priority Pass membership with 2 free international lounge visits per quarter (8 per year). Cardholders also enjoy up to 3 complimentary golf rounds and lessons per month (36 per year), Buy 1 Get 1 free movie tickets on BookMyShow up to ₹700 per ticket (3 times per month), and a reduced 1.80% forex markup. For discerning high-net-worth consumers who prioritize golf, cinema luxury, and seamless airport travel, the Celesta card delivers elite financial prestige.
1 Reward Point for every Rs. 100 you spend on domestic purchases. 3 Reward Points for every Rs. 100 you spend on international purchases.
Vouchers Worth ₹25,000
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| International Spends | 3 Reward Points per Rs 100 spent internationally (2.25% value return) | No Cap | Standard terms apply |
| Domestic Spends | 1.5 Reward Points per Rs 100 spent domestically (1.125% value return) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| International Spends | ₹6,000 | 3 Reward Points per Rs 100 spent internationally (2.25% value return) | — | None | Calculating... | Under cap |
| Domestic Spends | ₹6,000 | 1.5 Reward Points per Rs 100 spent domestically (1.125% value return) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹5,000
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹25,000 + GST; Annual Renewal Fee: ₹5,000 + GST. • Annual Fee Waiver: Spend ₹10,00,000 or more in an anniversary year to waive the ₹5,000 renewal fee. • Welcome Benefit: Luxury hospitality and shopping vouchers from top partner brands (ITC Hotels, Oberoi, etc.). • Rewards Structure: 3 reward points per ₹100 on international spends; 2 reward points per ₹100 on domestic retail spends. • High Point Value: 1 Reward Point = ₹1 for statement cash credit or partner airline mile redemptions. • Domestic Lounge Access: Unlimited complimentary domestic airport lounge visits for primary cardholder. • International Lounge Access: Complimentary Priority Pass membership with 2 free international lounge visits per quarter. • Golf Privileges: Up to 3 complimentary golf rounds and lessons per month (36 games annually) across premier golf clubs. • Movie Privileges: Buy 1 Get 1 free ticket on BookMyShow up to ₹700 per ticket (up to 3 free tickets per month). • Low Forex Markup: Preferential 1.80% foreign currency transaction fee on international spends.
Evaluate whether this card's perks and waiver threshold justify its ₹5,000 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding IndusInd Bank Celesta Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official IndusInd Bank portal with paperless verification.
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Rewards: 1 EDGE Mile/₹100 Spent on All Transactions
Lounge access: Unlimited Domestic & International
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Rewards: 5 Reward Points per ₹150 spent
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Lounge access: 8 Domestic + 8 International visits/year
Forex markup: 1.8% Low Forex
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Rewards: 16 Reward Points per ₹200 on domestic retail spends; 24 Reward Points per ₹200 on international spends
Lounge access: 32 Domestic visits/year + Unlimited International
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Best for: Ultra-high-net-worth frequent flyers, global executives, and luxury travelers seeking direct 1:1 airline conversions, international lounge privileges with guests, and bespoke concierge hospitality.
Rewards: 1 EDGE Mile/₹100 on Domestic and 2 EDGE Mile/₹100 on International Spends
Lounge access: Unlimited Domestic & International
Forex markup: 1.8% Low Forex
Renewal fee waived on ₹15,00,000 annual spend
Last verified 9 Sept 2026
Best for: Ultra-high-net-worth clients, global business executives, and luxury travelers demanding zero forex markups, spa privileges, and never-expiring reward points.
Rewards: 6 Reward Points per ₹150 on online; 3 RP per ₹150 on offline; 10X on birthday (1 RP = ₹1.00 on travel)
Lounge access: Unlimited Domestic & International
Forex markup: 0% (Zero Forex)
Renewal fee waived on ₹25,00,000 annual spend
Last verified 17 Sept 2026
