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Bank of India Celestia Credit Card
RuPay
Bank of India Celestia Credit Card
Bank of India's invitation-only, ultra-premium RuPay card for high-income customers earning at least Rs.15 lakh a year, offering 5x points on dining, travel and fuel plus lounge, golf and concierge benefits. It is issued by invitation only and positions BOI at the top end of the PSU-bank premium card market.
Annual fee
₹5,000
Joining fee
₹5,000
Reward type
points
Base reward rate
2%
Card network
RuPay
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 780+ whose spend is concentrated in dining, travel, fuel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Monthly buy-one-get-one movie ticket offer, plus dining privileges at partner restaurants
- Rewards rate: 2% base rate
- Travel: Complimentary HoteLux membership with room upgrades and breakfast, plus ITC hotel benefits (2+1 free nights, 1+1 dining)
- Domestic lounge access: 2 complimentary domestic airport lounge visits per quarter
- International lounge access: 4 complimentary international lounge visits per year, plus access to the RuPay Delhi Exclusive Lounge at T3
- Golf: 4 complimentary domestic golf rounds/lessons per year
- Insurance benefits: Personal accidental cover of ₹50 lakh, air accidental cover of ₹1 crore, purchase protection up to ₹2 lakh, and travel baggage loss cover up to ₹20,000
Benefits by category
- 🍽️ Dining & food delivery
5% reward rate (capped ₹2,000/monthly)
- ✈️ Travel
5% reward rate (capped ₹2,000/monthly) · Complimentary domestic and international airport lounge access.
- 🛡️ Insurance
Comprehensive travel and purchase protection insurance.
- ⛽ Fuel
5% reward rate (capped ₹2,000/monthly)
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 780
- Minimum monthly income: ₹1,25,000
- Employment: salaried, self-employed
- Age: 21–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹8,00,000
- Foreign currency markup: 2%
- Interest rate: 36% p.a.
Benefits
- Complimentary domestic and international airport lounge access.
- Complimentary golf privileges.
- 24x7 concierge covering golf reservations, car rentals and travel assistance, plus lost passport/luggage support.
- Comprehensive travel and purchase protection insurance.
- Joining fee waived on spends of Rs.2.5 lakh within 90 days of issuance.
Pros
- + 5x rewards on dining, travel and fuel
- + Domestic and international lounge access with golf privileges
- + 24x7 concierge service
- + Joining fee waiver on Rs.2.5 lakh spend in 90 days
Cons
- − Invitation-only issuance, not open to general applicants
- − High income threshold (Rs.15 lakh+ annually)
- − Steep joining and annual fees
Best for