IndusInd Bank Celesta Credit Card

The IndusInd Bank Celesta Credit Card stands out as a top-tier option, delivering a range of unique perks and advantages crafted for those with refined tastes. Crafted to enhance the cardholder’s way of life, it grants entry to luxurious encounters, individualized concierge support, and unparalleled rewards. Users are treated to free access to airport lounges, exclusive golfing benefits, and a concierge team that aids in travel arrangements, restaurant bookings, and securing event passes.

Key Highlights of IndusInd Bank Celesta Credit Card: 

  1. Receive 3 reward points for every Rs. 100 spent on international transactions.
  2. Enjoy a complimentary waiver of your yearly fee by simply reaching a spending threshold of Rs. 10 lakh within a year.
  3. Enjoy a 20% discount on event and theater tickets when purchased through BookMyShow.
  4. Enjoy three free golf lessons and games every month at no cost to you.

Features and Benefits of IndusInd Bank Celesta Credit Card

The IndusInd Bank Celesta Credit Card epitomizes luxury, providing a suite of distinctive perks and advantages meticulously crafted to enhance the lives of its selective clientele.

  1. Complimentary Airport Lounge Access: Enjoy access to luxurious airport lounges in India and abroad, providing a comfortable and relaxing pre-flight experience.
  2. Golfing Privileges: Enjoy monthly complimentary golf lessons and rounds at handpicked courses, elevating both your skill set and pleasure on the green.
  3. Concierge Services: Gain access to tailored concierge assistance for arranging travel, booking dining experiences, securing event tickets, and fulfilling various lifestyle requirements.
  4. Rewards Program: Get rewarded for every purchase and boost your points with bonus rewards in specific categories. Use your points for travel, shopping, and exclusive perks.
  5. Annual Fee Waiver: If you reach a certain spending threshold, your yearly fee gets waived, making the card a smart choice for big spenders who want to save on costs.
  6. Discounts on Entertainment: Enjoy a 20% discount on event and theater tickets when purchasing through BookMyShow, enhancing your entertainment experiences.
  7. Travel Benefits: Access travel insurance coverage, airport assistance, and preferential foreign currency rates for your international travels.
  8. Dining Discounts: Savor special discounts and offers at partner restaurants, elevating your dining experiences.
  9. Global Acceptance: The card is widely accepted both in India and abroad, ensuring convenience during your travels.
  10. Contactless Payments: Benefit from secure and convenient contactless payment technology for quick and hassle-free transactions.
  11. Zero Lost Card Liability: Find tranquility knowing you won’t bear any responsibility for lost card transactions once you report the card’s loss.
  12. EMI Facility: Convert high-value purchases into easy monthly installments (EMIs) to manage your expenses efficiently.
  13. Balance Transfer: Consolidate and streamline your credit management by transferring any remaining balances from your other credit cards to your Celesta Credit Card. This move helps you centralize your debts and ensures efficient credit handling.
  14. Enhanced Security: Experience enhanced security measures, such as the cutting-edge EMV chip technology and real-time SMS alerts for transactions, guaranteeing utmost protection for your card.
  15. 24/7 Customer Support: Get 24/7 access to customer support for quick resolution of any questions or problems related to your card.

The Celesta Credit Card from IndusInd Bank epitomizes opulence and refinement, presenting an array of exclusive benefits tailored to meet the discerning lifestyle and travel requirements of its esteemed clientele.

IndusInd Bank Celesta Credit Card Fees and Charges

1. Joining Fee: Rs. 50,000
2. Annual Fee: Rs. 5,000
3. Add-on Credit Card: Rs. 5,000
4. Interest Rate: 2.99% per month (36% annually)
5. Cash Advance Fee: 2.5% of the transaction amount, with a minimum of Rs. 300
6. Overlimit Charges: 2.5% of the overlimit amount, with a minimum of Rs. 500
7. Late Payment Fees:

  • Up to Rs. 100: Nil
  • Rs. 101 to Rs. 500: Rs. 100
  • Rs. 501 to Rs. 1,000: Rs. 350
  • Rs. 1,001 to Rs. 10,000: Rs. 550
  • Rs. 10,001 to Rs. 25,000: Rs. 800
  • Rs. 25,001 to Rs. 50,000: Rs. 1,100
  • More than Rs. 50,000: Rs. 1,300

8. Returned Cheque Fee: Rs. 250
9. Balance Enquiry Charge at ATMs of Other Banks: Rs. 25
10. Foreign Currency Markup Fee: 3.5%
11. Reward Redemption Fee: Rs. 100
12. Request for Duplicate Statement: Rs. 100 per statement (for statements over the last 3 months)
13. Cash Payment of Fee at IndusInd Bank Branches: Rs. 100
14. Charge-Slip Request: Rs. 300
15. Re-Issue or Replacement of Credit Card: Rs. 100
16. Charge Slip Request: Rs. 300

Eligibility criteria for the IndusInd Bank Celesta Credit Card

Each credit card has its unique set of eligibility requirements that applicants must meet to obtain approval for that specific card. These eligibility criteria are contingent on factors such as age, credit history, and income. Below are the requirements you need to meet to qualify for the IndusInd Celesta Card:

  1. Age Requirement: To qualify for the IndusInd Celesta Card, individuals must be between 21 and 65 years old.
  2. Stable Income: Candidates must possess a consistent income stream, which may derive from either a regular job or self-run business endeavors.
  3. Good Credit History: Applicants are expected to have a favorable credit history, demonstrating responsible credit management and repayment habits.

Meeting these eligibility criteria is crucial when applying for the IndusInd Celesta Card or any credit card to ensure a higher likelihood of approval.

Documents Required for IndusInd Bank Celesta Credit Card

1. Identity Proof:

  • Aadhaar card
  • Passport
  • Voter ID card
  • Driver’s license
  • PAN card (Permanent Account Number)

2. Address Proof:

  • Utility bills (electricity, water, gas)
  • Rental agreement
  • Passport (if not used as identity proof)
  • Voter ID card (if not used as identity proof)
  • Driver’s license (if not used as identity proof)
  • Bank account statement

3. Income Proof (For Salaried Individuals):

  • Salary slips for the last few months
  • Bank statements showing regular income credits
  • Form 16 or the acknowledgment of Income Tax Returns (ITR)

4. Income Proof (For Self-Employed Individuals/Business Owners):

  • Business ownership documents (e.g., partnership deed, certificate of incorporation)
  • Business financial statements (profit and loss statement, balance sheet)
  • Filing your Income Tax Returns (ITR) over the past few years.

5. Passport-Sized Photographs: Usually, card processing requests may ask for a set of small color photographs, typically in passport size.

6. Duly Filled Application Form: To proceed, you must fill out the credit card application form furnished by the bank. This document gathers crucial details regarding both your personal and financial information.

How to apply for IndusInd Bank Celesta Credit Card

To request the IndusInd Bank Celesta Credit Card, you can proceed through these outlined steps:

1. Check Eligibility: Before applying, it’s a good idea to check the eligibility criteria for the Celesta Credit Card on the official IndusInd Bank website. Make sure you satisfy the criteria regarding your age, income, and credit history without any repetition.

2. Choose the Application Method:

  • Online: You have the option to request the Celesta Credit Card conveniently via the bank’s online platform.
  • Offline: You can also visit a nearby IndusInd Bank branch to apply in person.

3. Online Application (Typical Steps):

  • Visit the official IndusInd Bank website.
  • Find your way to either the credit card section or directly to the Celesta Credit Card page.
  • Click on the “Apply Now” or “Apply Online” button.
  • Complete the digital application form by providing your personal details, financial information, and contact particulars without any repetition.
  • Upload the required documents (identity proof, address proof, income proof, etc.) as specified in the application form.
  • Review the application carefully to ensure accuracy.
  • Submit the application online.

4. Offline Application (Typical Steps):

  • Visit a nearby IndusInd Bank branch.
  • Ask the bank’s representative for an application form to apply for the Celesta Credit Card.
  • Complete the paper application form by entering your personal information accurately and thoroughly.
  • Please ensure that the application form is accompanied by photocopies of all necessary documents, including but not limited to identity proof, address proof, and income proof.
  • Hand over the filled-out application form along with the required documents to the representative from the bank.

FAQs:

1. What is the IndusInd Bank Celesta Credit Card?

  • The IndusInd Bank Celesta Credit Card stands as a beacon of exclusivity, extending a plethora of premium perks and advantages solely to its esteemed holders. Tailored meticulously to accommodate the distinctive lifestyle and financial requisites of affluent individuals, it embodies sophistication and luxury in every facet.

2. What’s the process for submitting an application for the Celesta Credit Card from IndusInd Bank?

  • You can apply for the IndusInd Bank Celesta Credit Card through the official website of IndusInd Bank or by visiting a nearby branch. Usually, to apply, you’ll need to provide specific paperwork and fulfill certain qualifications.

3. What distinct attributes define the Celesta Credit Card?

  • The Celesta Credit Card boasts an array of perks, including free access to airport lounges, personalized concierge services, special dining privileges, and extra reward points for specific purchases. Additionally, it may extend travel perks, insurance protection, and various other advantages.

4. What are the requirements one needs to meet to be eligible for the Celesta Credit Card?

  • Eligibility criteria may include a minimum age, income requirements, and a good credit score. Specific details may vary, and it’s recommended to check with IndusInd Bank for the most up-to-date information.

5. How do I go about verifying the progress of my Celesta Credit Card application?

  • To track the progress of your Celesta Credit Card application, you have two options: either reach out to IndusInd Bank’s customer service directly or utilize the online application tracking tool provided on the bank’s official website.

6. What are the yearly expenses and fees linked with the Celesta Credit Card?

  • The costs associated with the Celesta Credit Card can fluctuate from year to year. To get a clear understanding of these charges, it’s recommended to thoroughly examine the terms and conditions offered by the bank or reach out to customer service for a comprehensive breakdown of fees, interest rates, and any additional expenses.

7. Is it possible for me to accumulate reward points using the Celesta Credit Card?

  • Certainly! The Celesta Credit Card usually includes a rewards system. When you use the card for eligible purchases, you accumulate reward points. These points can then be exchanged for different perks like vouchers, merchandise, or travel arrangements.

8. Is there a limit on complimentary airport lounge access with the Celesta Credit Card?

  • The amount of free lounge visits you get might differ. Look into the terms and conditions or get in touch with IndusInd Bank to find out the exact details about the lounge access perks linked to the Celesta Credit Card.

9. How can I contact the customer service for queries related to the Celesta Credit Card?

  • You can contact the IndusInd Bank customer service through the helpline number provided on the official website or visit the nearest branch for assistance with any queries related to your Celesta Credit Card.

10. Are there any specific discounts or offers available with the Celesta Credit Card?

  • The Celesta Credit Card provides a range of unique perks and discounts tailored to elevate your experiences in dining, shopping, travel, and various lifestyle categories. Keep abreast of the newest promotions and collaborations with vendors to maximize the advantages offered by your card.