IndusInd Bank Celesta Credit Card

IndusInd's top-of-line American Express super-premium card for HNIs, with a steep Rs 25,000 joining fee offset by unlimited domestic lounge access, monthly golf, and Club Marriott membership.

Rates and fees last verified 14 September 2026.

Annual fee

₹5,000

Joining fee

₹25,000

Reward type

points

Base reward rate

Card network

Amex

Card tier

Super-premium

Reward rates by category

Travel3%

Eligibility

Employment: salaried, self-employed
Age: 21–65

Benefits

Welcome vouchers worth the Rs 25,000 joining fee
Unlimited complimentary domestic lounge access for primary and add-on cardholders, plus 2 complimentary international lounge visits per quarter
Complimentary Club Marriott membership and EazyDiner Prime membership
24x7 concierge services
One complimentary golf lesson and one complimentary game every month
Annual fee fully reversed on spends of Rs 10 lakh or more in a year

Pros

+ Unlimited domestic lounge access
+ Monthly complimentary golf
+ Annual fee waivable on Rs 10L spend

Cons

− Very high joining fee
− Amex acceptance is narrower than Visa/Mastercard in India
− Best suited to very high spenders

Apply on IndusInd Bank's site

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