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IndusInd Bank

IndusInd Celesta Credit Card

MastercardSuper-PremiumMiles
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Annual Fee

₹10,000

Reward Type

Miles

Forex

1.8%

Lounge

∞ dom · ∞ intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹10,000
Annual Fee₹10,000
Min Monthly Income₹2,00,000

Rewards

Reward TypeMiles
Base Rate1.5%
Point Value₹1/point

Category Multipliers

travel3%

Redemption Values

airlines₹1/pt
hotel transfer₹1/pt
statement credit₹0.5/pt

Travel & Global

Forex Markup1.8%
Domestic LoungeUnlimited ✓
Intl. LoungeUnlimited ✓
Lounge NetworkPriority Pass, DreamFolks

Similar Cards

Amex Platinum Travel (98%) →IndusInd Avios Visa Infinite Credit Card (98%) →SC Priority Visa Infinite Credit Card (98%) →Yes Reserv Credit Card (98%) →Amex Platinum Charge (97%) →

⚖️ Breakeven Analysis

To recover the ₹10,000 annual fee at the base reward rate of 1.5%, you need to spend ₹6,66,667 annually.

🎯 Pro Tips

  • ▸Unlimited domestic + international lounge access via Priority Pass and DreamFolks.
  • ▸1.8% forex markup — competitive for premium international travel.
  • ▸Dedicated personal relationship manager and 24/7 concierge.
  • ▸Air accident insurance ₹3 crore + comprehensive travel insurance.
  • ▸Golf privileges: 2 complimentary rounds/month at premium courses.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹8,000

Effective Rate

0.7%

Ranked #95 of 173 cards#95

₹10,000 annual fee deducted from gross rewards value.

📊 Spending Scenarios - Real-World Returns

Premium Frequent Flyer (₹2L+/mo)

Monthly: ₹2,00,000 · Annual: ₹24,00,000

2.5%
Effective Return
travel: ₹80,000/mointernational: ₹60,000/moother: ₹60,000/mo
Annual Rewards Value₹60,000
After Fee (₹10,000)+₹50,000

Redeems miles at ₹1/pt; unlimited lounge removes per-visit costs.

🔄 Redemption Pathways - Value per Point

MethodValue
Travel Portal (Flights/Hotels)BEST₹1.0/pt

🏷️ Best For

travelpremiuminternationalmiles