IndusInd Bank Celesta Credit Card: Apply Process

Summary

IndusInd Bank Celeste Credit Card is a classy credit card meant for individuals who love classiness, comfort, and additional benefits in everyday life. The card stands out right from the start due to its classy look and additional benefits for frequent travelers, dining, and film lovers.

First, the card provides unlimited use of local airport lounges and international lounge visits through Priority Pass. On top of that, members enjoy Tablet Plus membership and Club Marriott rewards, which involve luxury hotel perks like complimentary breakfast, late check-out, spa credit, among many others.

Aside from that, the EazyDiner Prime plan allows one to avail up to 50% off at top restaurants, and BookMyShow provides movies and live shows at lower costs and more entertainingly. Moreover, golf players can avail themselves of free golf lessons and games monthly at select premium golf courses.

Introduction

In today’s fast-moving world, a credit card is no longer just a tool to spend; it is also a tool for convenience, rewards, and freedom to spend. One such high-end credit card that is high in demand in the Indian market is the IndusInd Bank Celesta Credit Card. The credit card is designed specifically for a person who desires luxury, elite rewards, and easy experiences at every turn of life.

To start with, the IndusInd Bank Celesta Credit Card is not the run-of-the-mill card. This is a luxury, invite-only, or restricted-credit score card providing high-end services. If you are an individual who likes traveling in style, shopping at premium outlets, and seeking personal service in services, then this card is perfect for your lifestyle.

Now, while the card has many premium benefits, you might be interested to know how you can get the IndusInd Bank Celesta Credit Card. Well, as it happens, the process of application process is simple and hassle-free. While it is a premium card, IndusInd Bank has made it simple for the deserving customers to apply online and offline as well. Also, you have to check if you are eligible or not based on your banking relationship, income level, and credit score.

Also, the online application process can be done using the website of IndusInd Bank. It only requires a few of the core documents like identity proof, income proof, and address proof. When you submit it, your information gets verified by the bank, and if you receive an approval, they send the card to your residence. Alternatively, if you would prefer it to be done for you, you could visit the closest IndusInd Bank branch and apply with the help of a relationship manager.

What is the IndusInd Bank Celesta Credit Card?

The IndusInd Bank Celesta Credit Card provides a high-end lifestyle credit card from IndusInd Bank. Suitable for individuals who are fond of luxury, travel, and better benefits, the card offers lavish privileges like unlimited use of airport lounges, concierge, complimentary golf rounds, and quite a few other excellent travel and dining deals. It also has travel insurance, discounts on movies, and special reward points on all purchases.

Apart from that, Celesta Credit Card is famous for its chic look and dynamic features that sync with the lifestyle of high-income earners. You also get 24×7 personal services in terms of concierge services to book tickets, make reservations, or even organize events. Further, the card is globally accepted internationally, so it is the ultimate travel companion for frequent travelers.

How is the design of the IndusInd Bank Celesta Credit Card?

The IndusInd Bank Celestine Credit Card looks classy and fashionable. The card first looks opulent and sophisticated because of its glossy black-and- silver appearance. The simple but elegant design on the card distinguishes it from standard credit cards. It is also created using excellent materials that suit the general premium appearance since they are solid and smooth to the touch.

The card also includes a smart chip for increased security and technology to enable simplicity of use for contactless payments. Though subtle, the Celesta branding on the card exudes exclusiveness and status. Furthermore, the card features easily visible and useful, clean, and precisely printed details.

What are the benefits of the IndusInd Bank Celesta Credit Card?

Here is a summary of its major features:

Travel & Lounge Privileges

• Unlimited Domestic Lounge Facility: Get free access to domestic airport lounges in India.

• International Lounge Facility: Get a free Priority Pass membership with two free international lounge accesses per quarter.

• Tablet Plus Membership: Get VIP upgrades and benefits at hotels worldwide, including the likes of free breakfast, late check-out guarantee, spa allowance, and more.

Dining & Lifestyle Privileges

• EazyDiner Prime Membership: 50% off at more than 2,000 restaurants in India and Dubai, and a welcome benefit of 2,000 EazyPoints.

• Club Marriott Membership: Enjoy special deals on dining, stays, and spa treatments at member Marriott Hotels & Resorts in the Asia Pacific region.

Entertainment Perks

BookMyShow Offers:

• Buy One Get One Free: One complimentary movie ticket (up to ₹700) on buying one, thrice a month, at maximum.

• 20% Discount: Enjoy a 20% discount on theater and event tickets on BookMyShow.

Golf Privileges

• Free Golf Access: Enjoy three free games of golf and three golf lessons per month at some of India’s best choice golf courses.

Rewards Program

Reward Points:

• International Expenses: Accumulate 3 reward points for each ₹100 spent.

• Earn one reward point for every ₹100 spent domestically.

Salvation:

• Earn cash credit on point redemption at one point equal to ₹0.75.

• Convert points to a 2:1 ratio of KrisFlyer miles with Singapore Airlines.

Safety and Coverage

Get personal air accident insurance covering up to ₹2.5 crore.

Travel insurance:

• Up to ₹1 lakh cover is lost baggage.
• Delayed baggage coverage ranges from ₹25,000.
• Loss of Passport: ₹50,000.
• 25,000 lost tickets
• Missed connection: ₹ 25,000.

What are the fees for the IndusInd Bank Celesta Credit Card?

Here is a simple breakdown of the  IndusInd Bank Celesta Credit Card fees.

Joining Fee	Rs. 25,000 + GST
Annual Fee	Rs. 5,000 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a charge of 2.99% per month (36% annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an IndusInd Bank Celesta Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get an IndusInd Bank Celesta Credit Card?

The documents that you will have to submit to get the IndusInd Bank Celesta Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the IndusInd Bank Celesta Credit Card be used?

Here is the list of places where you can use it:

• With the IndusInd Bank Celesta Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  IndusInd Bank Celesta Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  IndusInd Bank Celesta Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the IndusInd Bank Celesta Credit Card?

The credit amount you can spend is what you are provided with an IndusInd Bank Celesta Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an IndusInd Bank Celesta Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the IndusInd Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by IndusInd Bank; for instance, you can choose the  IndusInd Bank Celesta Credit Card.

• Just hover your cursor on the  IndusInd Bank Celesta Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest IndusInd Bank branch to apply for the  IndusInd Bank Celesta Credit Card.

• Request the credit card application form for the  IndusInd Bank Celesta Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  IndusInd Bank Celesta Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the IndusInd Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an IndusInd Bank Celesta Credit Card in 2025 be right?

Getting an IndusInd Bank Celesta Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

IndusInd Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

In short, the IndusInd Bank Celesta Credit Card is not common—it is an elitist offering full of excess, convenience, and VIP benefits. Right from the inception, this card is meant to cater to the lifestyle of those who like luxury experiences and desire world-class services in exchange for their spending. Regardless of whether you’re an experienced traveler, a discerning diner, a golfer, or an entertainment seeker, there is something in this card for everybody.

Aside from that, the card is also a great value to own with its reward scheme, whereby you can just build up and exchange points for cash or air miles. Other privileges, such as free lounge access at airports, golfing rights, BookMyShow movie tickets, and travel insurance coverage, are the other advantages that add to the value of the card. Moreover, Club Marriott membership and Tablet Plus accommodation stays make it a great traveling buddy for one who likes to live in comfort and fly abroad.

Not only is it functional, the sleek and trendy look of the card also gives your wallet an added touch of elegance. The card has good security features such as chip cover and protection against fraud and theft, so that you can use it without hindrance.

Frequently Asked Questions (FAQ’s)