IndusInd Celesta Credit Card 2025
Save over ₹35,000+ every year with travel rewards + low forex!
Best travel rewards card! IndusInd Celesta gives 6X points on travel, 8 lounge visits, 2.5% forex markup, ₹5,000 welcome voucher, and easy ₹2,999 fee.
Perfect for frequent travelers!
Why Choose IndusInd Celesta in 2025?
6X travel rewards • 8 lounges • 2.5% forex • ₹5K voucher • ₹2,999 fee waiver on ₹3L
Best for: Frequent travelers, international shoppers, ₹50K+/month spenders
Card At a Glance
₹2,999 + GST
₹2,999 + GST (Waived on ₹3L)
6X Travel | 2X Others
8 visits/year
2.5%
₹5,000 Voucher
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹2,999 + GST |
| Annual Fee | ₹2,999 + GST (Waived on ₹3L) |
| Welcome Benefit | ₹5,000 vouchers on ₹20K spend |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 2.5% + GST |
| Interest Rate | 3.5% per month |
| Fuel Surcharge Waiver | 1% (max ₹400/month) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 6X Reward Points (6 RP/₹200) on travel (flights, hotels, cabs)
- 2X Reward Points (2 RP/₹200) on all other spends
- 1 RP = ₹0.60 (vouchers) | 1:1 airmiles transfer
- Points valid 3 years
- No exclusions on travel spends
Airport Lounge Access
8 complimentary domestic lounge visits per year
2 visits per quarter
No minimum spend required
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- ₹50 Lakh personal accident cover
- ₹25 Lakh emergency medical
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 6X travel rewards (3% value) | ₹20K spend for welcome |
| 2.5% low forex markup | 3.5% interest rate |
| 8 lounge visits/year | Only domestic lounges |
| ₹5,000 welcome voucher | 3-year point expiry |
| Easy ₹3L fee waiver | IndusInd service issues |
| 1:1 airmiles transfer |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹9 Lakh
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR
How to Apply Online (5-Minute Process)
- Visit IndusInd website and select Celesta
- Fill basic details → Instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2 minutes)
- Card delivered in 7 days
Final Verdict – Should You Get It in 2025?
Best travel rewards value! 6X travel + 2.5% forex + 8 lounges = ₹35,000+ value. Perfect for frequent travelers!
Frequently Asked Questions (FAQs)
6X on all travel?
Yes! Flights, hotels, cabs, buses - all included.
2.5% forex confirmed?
Yes! One of the lowest in premium segment.
₹5K voucher requirement?
₹20K spend within 30 days of card issuance.
8 lounge visits enough?
Yes for moderate travelers (2/quarter).
Fee waiver easy?
Yes! ₹3L annual spend waives ₹2,999 fee.