Apply Now

IndusInd Celesta Credit Card

IndusInd Celesta Credit Card is a premium offering designed for frequent travelers and lifestyle spenders. It provides attractive reward points on everyday purchases, complimentary movie benefits, and exclusive memberships. With a high annual fee, the card targets users seeking luxury privileges, travel comforts, and enhanced lifestyle experiences.

IndusInd Celesta Credit Card

About IndusInd Bank Celesta Credit Card

This premium credit card is positioned for users who value travel and lifestyle privileges over pure rewards. It carries a higher joining charge along with a comparatively lower annual fee, and focuses on curated experiences such as luxury hotel memberships, airport lounge access, complimentary golf sessions, dining privileges, and entertainment benefits. Being issued on an international card network, it also unlocks select platform-specific offers and experiences beyond regular card benefits.

When compared to other cards in a similar premium segment, the overall reward earning potential is relatively modest, especially on regular domestic spends. While it does provide slightly better returns on overseas transactions, it falls short in areas that frequent international travelers usually expect, such as lower foreign currency markup and wider global lounge access. The card is best suited for users who want lifestyle perks related to dining, movies, and leisure activities, and can pair it with another card that offers stronger reward or cashback value to balance overall spending efficiency.

Rewards & Travel Benefits

Reward Structure

  • Earn 1 reward point for every ₹100 spent on regular domestic purchases

  • Get accelerated earnings of 3 reward points per ₹100 on overseas spends

  • Receive reduced rewards of 0.7 points per ₹100 on categories like utilities, insurance, education, rent, and government payments

  • Air miles transfer available at a 2:1 ratio with select international airline partners

  • Each reward point can be redeemed for ₹0.75 as statement credit

Travel & Lifestyle Privileges

  • Complimentary luxury hotel and premium booking platform memberships

  • Unlimited access to lounges at Indian airports

  • Free international lounge access through a global lounge program, with a limited number of visits each quarter

Other Features & Benefits

Dining Privileges

  • Complimentary premium dining membership offering savings of up to 50% at a wide range of restaurants in India and select international locations

  • Additional dining discounts of up to ₹3,000 at partner outlets

Entertainment Benefits

  • Buy one, get one free movie ticket offer available multiple times each month, with a capped ticket value

  • Extra savings on events and theatre bookings through the same entertainment platform

Golf Advantages

  • Enjoy complimentary golf rounds and training sessions every month at select top-tier golf courses across India

Additional Highlights

  • Air travel accident cover up to ₹25 lakh

  • Comprehensive travel insurance covering baggage delays, loss of documents, and missed connections

  • Round-the-clock concierge assistance for travel planning, bookings, and lifestyle needs

  • Roadside assistance services for emergencies and vehicle support

  • Fuel surcharge reversal up to ₹500 per billing cycle on eligible transactions

  • Free add-on card for business use

  • Access to curated dining and shopping experiences via an international card network

IndusInd Celesta Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

IndusInd Bank Celesta: Fees & Charges

Fee Type Amount
Joining Fee Rs. 25,000
Annual Fee Rs. 5,000
Financial Charges 2.99% p.m. | 36% p.a.
Late Payment Charges
For Statement Balance:
Below Rs. 100 Nil
Rs. 100 to Rs. 500 Rs. 100
Rs. 501 to Rs. 1,000 Rs. 350
Rs. 1,001 to Rs. 10,000 Rs. 550
Rs. 10,001 to Rs. 25,000 Rs. 800
Rs. 25,001 to Rs. 50,000 Rs. 1,100
Above Rs. 50,000 Rs. 1,300

Things to Know Before You Apply

This card may be a good fit if:

  • You are comfortable paying a higher upfront joining charge

  • You want access to premium lifestyle and travel privileges without an equally high annual cost

  • You often fly with an international airline partner and can make effective use of the miles transfer option

  • You already hold other cards that offer strong reward or cashback value and plan to use this one mainly for lifestyle and travel benefits

Steps to Close IndusInd Celesta Credit Card

If you want to close your IndusInd Celesta Credit Card, follow the proper process recommended by IndusInd Bank to ensure a smooth and hassle-free closure.

Clear All Outstanding Dues

  • Pay the complete outstanding balance on your card

  • Include purchases, EMIs, interest, and any additional charges

  • The closure request will only be processed once all dues are cleared

Redeem Reward Points

  • Use all your reward points, cashback, or benefits before closing the card

  • Any unused rewards may expire after the account is closed

Update Auto-Payments

  • Check for subscriptions or standing instructions linked to your card

  • Switch them to another payment method to avoid service interruptions

Contact Customer Care

  • Call customer support or send an email request

  • Inform them about your intention to close the credit card

  • Complete the verification process as instructed

The bank may offer retention benefits, but you can proceed with closure if you choose

Request Closure Confirmation

  • Ask for written confirmation (email or letter) stating:

    • Your credit card account is closed

    • No outstanding dues remain

  • Keep this confirmation for future reference

Check Your Credit Report

  • Review your credit report after a few weeks

  • Ensure the status is updated as “Closed”

  • Report any discrepancies if found

Safely Dispose of the Card

  • Cut the card across the chip and magnetic strip

  • This prevents misuse or fraud after closure

Important Tips

  • Stop using the card immediately after submitting the closure request

  • Ensure all dues are cleared before initiating closure

  • Keep records of payments and communication with the bank

  • Closing a credit card may have a temporary impact on your credit score

IndusInd Celesta Credit Card Helpline Number

If you need assistance with your IndusInd Celesta Credit Card, you can contact the customer support team of IndusInd Bank for help with billing, payments, card blocking, disputes, and other services.

📞 24×7 Customer Care Numbers

These numbers are available round the clock for credit card-related support

Credit Card Support (Premium Cards)

For premium cards like Celesta, Pinnacle, Legend, and Signature, you can contact:

Email Support

Always send emails from your registered email ID and mention only the last 4 digits of your card.

Additional Contact Numbers

Available Monday to Friday, 10:00 AM to 6:00 PM

Postal Address

IndusInd Bank Ltd. PO Box 9421, Chakala MIDC, Andheri (East), Mumbai – 400093

Services Available

You can contact customer care for:

  • Billing and statement-related assistance

  • Reporting lost or stolen cards

  • Transaction disputes or fraud-related concerns

  • Card activation, blocking, or upgrade requests

  • General account-related support

Important Tips

  • Keep your registered mobile number and card details ready before calling

  • Never share confidential details like OTP, PIN, or CVV

  • Note down the complaint/reference number for future tracking

  • Immediately block your card in case of suspicious transactions

FAQs

What charges apply to foreign currency transactions?

This credit card applies a standard foreign exchange markup on international spends. The fee is added to the transaction value and may also attract applicable taxes. Cardholders should factor this cost in while using the card overseas or on foreign websites.

Yes, the annual charges can be reversed if you achieve a specified spending threshold in the previous membership year. Meeting this limit makes the card more cost-effective for high spenders who use it regularly.

Reward point redemption is subject to a monthly cap when converted into cash or statement credit. Any points earned beyond this limit can be redeemed in subsequent months as per the applicable rules.

The card provides a fuel surcharge reversal on eligible fuel purchases made across India. The benefit is applicable only within a defined transaction range and up to a fixed amount per billing cycle.

Cash withdrawals attract a fee calculated as a percentage of the withdrawn amount, along with a minimum charge. Interest on cash advances is usually applied from the transaction date until repayment.