Bad news for IndusInd credit card holders! The bank has just nixed two major advantages for ALL credit cards. Following SBI bank's lead, they are withdrawing Air Accident Insurance coverage for ALL credit cards (from Dec 21, 2025). And the free EazyDiner Prime membership with the Celesta credit card will lapse on Dec 10, 2025.
Why now? Banks are reducing expenses due to 2025 insurance rate increases. Consumers received texts warning them about the changes weeks ago. "Value is down 20-30% for many!"
1. Air Accident Insurance GONE (All Cards)
What Was Covered:
- Death Coverage of a maximum of ₹2 crores in airplanes/trains
- Pinnacle: Rs. 3 crores
- Legend/Celesta: ₹1 crore
- Others: ₹25-50 lakhs
Present: ZERO coverage from Dec 21, 2025. No announcement on statements yet.
Affected Cards (Full List):
| Card | Old Cover | New (From Dec 21, 2025) |
|---|---|---|
| Pinnacle | ₹3 crores | ₹0 |
| Legend | ₹1 crore | ₹0 |
| Celesta | ₹1 crore | ₹0 |
| Crest | ₹50 lakhs | ₹0 |
| Pioneer | ₹50 lakhs | ₹0 |
| All Others | ₹25 lakhs | ₹0 |
Real Loss: A ₹25 lakh-3 cr safety margin is lost. Purchase individual travel insurance policies today (₹500-2,000 annuity).
2. Celesta Card: EazyDiner Prime
What You Lose (From Dec 10, 2025):
- Free Prime membership (₹1,500 per year)
- 20% discount at restaurants with over 2,500 branches (Nirula's, Smoke House Deli, etc.)
- Priority Bookings and Deals
| Feature | Before Dec 10, 2025 | After Dec 10, 2025 |
|---|---|---|
| Annual Fee | ₹12,500 | ₹12,500 |
| Insurance | ₹1 crore | ₹0 |
| EazyDiner | Free Prime | Paid ₹1,500 |
| Total Value | ₹1.15+ lakhs | ₹0 |
Recent IndusInd Cuts (Full Timeline)
- Nov 2025: The disappearance of ITC Culinaire
- Dec 10: Celesta EazyDiner ends
- Dec 21: ALL air insurance removed
- COMING?? LOUNGE CUTS RUMORED JAN 2026
User SMS Message Example:
"Your air accident cover ends Dec 21. Buy a personal policy."
What Should You Do?
- Check Statement: Search for "Insurance Removal Notice."
- Cancel Card? Option HDFC Infinia (insurance coverage—₹3Cr) or Axis Magnus (insurance coverage—₹2.5Cr)
- Get Backup: Term Plan + Travel Insurance (Policybazaar: 1 Cr Flight Cover = ₹999/year)
- EazyDiner Fix: Pay ₹1500 or use Swiggy Dineout (15% off)
Compare: Who STILL Has Air Insurance?
| Bank/Card | Air Insurance Coverage | Status |
|---|---|---|
| HDFC Infinia | ₹3 crores | ✅ Active |
| Axis Magnus | ₹2.5 crores | ✅ Active |
| SBI Prime | ₹2 crores | ✅ Active |
| IndusInd Cards | ₹0 | ❌ Removed |
==Pro Tip==
Annual fee renewal? Avoid renewing Celesta/Legend automatically. Dial 1860-267-7777 to reduce fee or cancel.
Bottom Line:
The IndusInd cards have devalued by Rs 5,000-20,000 tonight. Better switch unless you are fanatical about the 5% cashback. The wave of devaluation is kicking in—SBI and IndusInd are history. HDFC/Axis is safe.
Alert:
Further cuts expected Jan 2026. Remember to check for emails/SMS.