IndusInd Bank Celesta Credit Card

IndusInd Bank Celesta Credit Card Features and Benefits

The Celesta Card offered by the IndusInd Bank is one of its most premium and exclusive offerings. It comes with a lot of world-class privileges and advantages over several categories, including dining, travel, shopping, and much more. The features and benefits of the Celesta card have been discussed in detail below:

Welcome Benefits

Cardholders shall get vouchers worth ₹25,000 on successful payment of joining charges.

Travel Benefits

• You get unlimited complimentary domestic lounge access through your IndusInd Bank Celesta Credit Card.
• Get exclusive discount offers on Hertz car rentals that include:

-A discount of 10% on standard rates.
-Free additional driver for your partner.
-An upgrade of car class on five consecutive days or more.

Movie Benefits

• Buy 1 movie ticket and get 1 free. The price of a free movie ticket is capped at Rs. 700.
• You get a flat 20% off on event/movie bookings on BookMyShow.
• Up to 3 free movie tickets can be availed in a month.

Golf Benefits

• You get one complimentary golf lesson every calendar month.
• You get one complimentary golf game each month.

Insurance Benefits

Joining and Renewal Fee Waiver

The annual fee of ₹5,000 can be waived if you spend ₹10 lakhs or more in the last year.

Fuel Surcharge Waiver

For all transactions between ₹400 and ₹4,000, you can get a 1% waiver on the fuel surcharge at all fuel stations.

Zero Liability Protection

IndusInd Bank provides zero liability protection against a lost or stolen card, according to which you will not be liable for any unauthorized transaction made on your Celesta Card if you have reported the loss to the bank.

Rewards Rate

• You get 1 Reward Point per ₹100 spent on domestic purchases.
• You get 3 Reward Points for every international spend of ₹100.
• On selected categories like government services/charges, utility bill payments, insurance payments, and educational institutions fees, you get 0.70 Reward Points per Rs. 100 spent.

Reward Points Redemption

• You can call 1860 267 7777 to redeem your Reward Points.
• The Reward Points earned are redeemable against KrisFlyer Miles (2 Reward Point = 1 KrisFlyer Mile).
• The Reward Points are also redeemable against cash credit at a rate of 1 Reward Point = ₹0.75.
• You can also redeem the Reward Points against various products available at IndusMoments.
• A maximum of 10,000 Reward Points can be redeemed for cash against a statement in a month.

IndusInd Celesta Credit Card Fees & Charges

• Joining and Annual Fee: The joining fee for the IndusInd Celesta Card is ₹25,000, and the annual fee (from the second year onwards) is ₹5,000.
• Interest Rate: An interest rate of 2.99% per month is applicable on the due amount.
• Cash Advance Fee: A cash withdrawal fee of 2.5% of the withdrawn amount (subject to a minimum fee of Rs. 300) on cash withdrawals with the card from ATMs.
• Forex Mark-Up Fee: All foreign currency transactions are subject to a foreign currency mark-up fee of 3.5% of the transaction amount.

IndusInd Celesta Credit Card Eligibility & Documentation

Every credit card comes with a different eligibility criterion that has to be fulfilled by the applicants to get approved for the particular card. These eligibility criteria are dependent on age, credit history, and income. The following is the eligibility criteria for the IndusInd Celesta Card:

• The applicant should be between 21 and 65 years of age.
• The applicant should have a stable income (the applicant should be either a salaried employee or a self-employed individual).
• The applicant should have a good credit history.

How To Check IndusInd Celesta Credit Card Application Status?

If you have already applied for the Celesta Credit Card, you can easily track your application status as follows:

• Contact IndusInd Bank customer care on 1860 267 7777 and ask about the status of your application. You will be asked a few details, and the required information will be given to you in minutes.
• You can also visit your nearest IndusInd Bank branch to know your IndusInd Celesta Credit Card application status.

IndusInd Celesta Credit Card Activation & PIN Generation

You can generate the PIN of your credit card via a lot of methods, as mentioned below:

• You can activate your IndusInd Celesta Card or generate its PIN via the IndusInd Bank’s mobile app. Under the section ‘Credit Cards’, go to ‘Credit Card service Request’, and you will find an option to generate credit card PIN.
• The same can also be done via internet banking. Log in to your credit card internet banking account and find an option to generate the PIN of your card.
• Another easy way to activate your credit card is to do it via an ATM nearest to you. Visit the ATM and find an option for credit card PIN generation from the main menu.
• You can also reach the IndusInd Bank credit card customer care and request them to assist you on the same.

Bottom Line

The IndusInd Bank Celesta Credit Card is an extraordinary card with exciting benefits across many categories. It offers welcome gifts worth ₹25,000 to give you a great start to your journey with this card. Earn up to 3 Reward Points₹/100 spent, and 1 RP = ₹0.75 (when redeemed against cash credit). Along with this great savings opportunity, you can live an extra-luxurious life, and that too with minimum expenses, as you get complimentary lounge access, free movie tickets, complimentary golf lessons/games, and many more such offers with the card. So, if you believe in having a luxurious lifestyle, the IndusInd Bank Celesta Credit Card is for you.