IndusInd Bank Celesta Credit Card

Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.

• Movie & dining: Up to 20% discount on movie and event tickets via BookMyShow
• Rewards rate: 1% base rate
• Domestic lounge access: Unlimited complimentary domestic lounge access for primary and add-on cardholders
• International lounge access: 2 complimentary international lounge visits per quarter
• Golf: 1 complimentary golf game and 1 complimentary golf lesson per month at select clubs
• Insurance benefits: Personal air accident cover of ₹2.5 crore; travel insurance for lost/delayed baggage, lost passport, lost ticket and missed flights

• ✈️ Travel

  3% reward rate · Unlimited complimentary domestic lounge access for primary and add-on cardholders, plus 2 complimentary international lounge visits per quarter

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

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

• Spend-based waiver: Waived on annual spend of ₹10,00,000
• Foreign currency markup: 3.5%

• 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