IndusInd Bank Celesta American Express Credit Card
IndusInd Bank · Open to apply
An American Express card with a ₹25,000 joining fee and ₹5,000 annual fee (waived at ₹10 lakh of spend). It earns 3 reward points per ₹100 on international spends and 1 on domestic, worth ₹0.75 each as cash credit, with unlimited domestic lounge access (subject to a quarterly spend), two Priority Pass visits a quarter and a monthly golf game and lesson.
- Annual fee
- ₹5,000 + GST a year
- Joining fee
- ₹25,000 + GST
- Fee waiver
- Annual fee waived on ₹10,00,000 spend per card year
- Base rate
- 1 reward point per ₹100 on domestic spends: 1 IndusInd Reward Points per ₹100 (about 0.75% at cash value)
- Lounges
- Domestic: unlimited visits a calendar quarter after ₹1,50,000 spend; International: 2 visits a calendar quarter
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 3 reward points per ₹100 on international spends: 3 IndusInd Reward Points per ₹100 (about 2.25% at cash value)
Earns nothing on
- No reward points on fuel
Terms the calculator does not value
- Golf, the Tablet Plus membership, the welcome gift and the other lifestyle offers are not valued.
Sources
- IndusInd Bank, Celesta Rewards (microsite) (Reward terms, the bank's own, read 6 Nov 2026)
- IndusInd Bank, Celesta Schedule of Charges (microsite) (Schedule of charges, the bank's own, read 6 Nov 2026)
- IndusInd Bank, Celesta Travel (microsite) (Product page, the bank's own, read 6 Nov 2026)
- IndusInd Bank, Celesta Assurance (microsite) (Product page, the bank's own, read 6 Nov 2026)
- IndusInd Bank, Celesta Golf (microsite) (Product page, the bank's own, read 6 Nov 2026)
- IndusInd Bank, Celesta Credit Card page (golf notice effective 10 Mar 2026 and 3 Dec 2026) (Product page, the bank's own, read 6 Nov 2026)
- IndusInd Bank, fuel surcharge waiver terms page (fuel earns no reward points since 1 Apr 2018) (Schedule of charges, the bank's own, read 6 Nov 2026)