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Celesta Credit Card features

Please call 1860 267 7777 for further details

Product Overview

Your wish is the command. Your desire is the benchmark. Your choice is the gospel truth. We know that you never settle for anything but the finest. Keeping your stellar lifestyle and polished tastes in mind, we have curated a Card that is as extraordinary as you are. A Card that ushers you into a world of exotic benefits, elite offers and enchanting privileges that are hand-picked for the true connoisseur. Sit back, relax and get ready for the good life, made even better.

Click here to Know more

Please note: From 1st August 2019, the Rewards program will be revised for select merchant categories. Click here for details.

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  • Daily balance Upto Rs. 1 Lakh 4 %
  • Daily balance above Rs. 1 Lakh & upto (& including) Rs. 10 Lakhs 5 %
  • Daily balance above Rs.10 Lakhs 6 %

  • 1 year to 1 year 2 days 7 %
  • Indus Tax Saver Scheme - 5 years (upto Rs 1.5 lacs) 6.75 %
Insure your health online
Insure your health online

We believe in complete 'Care' for you & your family

My Account My Number
My Account My Number

Now get a Bank Account Number of your choice with a complete personalized debit card

Virtual ATM tour


Terms and Conditions: Rewards Program

  • For every INR 100 spent on the card, IndusInd Bank shall award Reward Points (‘Reward Points”) basis the Gold Savings Plan selected
  • The value of the Reward Points for the purpose of redemption is as under
    • 100 Reward Points = 100 miles on partner airlines
    • 1 Reward Points = Re. 0.5 of cash value
  • IndusInd Bank reserves the right to change the rate of conversion of Reward Points to airline miles or cash credit at any time without prior notice. However, this change will be restricted to incremental points and there will be no impact on already converted Reward Points.
  • IndusInd Bank does not underwrite or warrant the services against which the reward points are redeemed including but not limited to any activities concerning air travel services and redemption of airline miles provided by airline partners and shall not have any liability for any loss, damage, defect, deficiency, delay or imperfection in such services or for any loss or damage that may be suffered, or for any personal injury to a IndusInd Bank Credit card holder (“Cardholders”) directly or indirectly by use or non-use of the services provided by the airline or any other service provider. Any disputes regarding delivery, service, quality or performance of products/services under the offer must be addressed in writing by the card holder directly to the airline or the service provider.
  • Terms and Conditions of the respective airlines and service providers will apply.
  • Maximum total Savings Points that a cardholder can earn in a 12 month period is 7,500 Savings Points - the cardholder will not earn any Savings Points for subsequent spends. After completion of 12-months, the cardholder can again start earning Savings Points. This 12 month period starts from the date of issue of the card.
  • A cardholder needs to accrue a minimum of 500 Savings Points before he/she can redeem the accumulated Savings Points.
  • All Savings Points earned in the 12-month period would be valid for two more years following the end of the 12-month period. Post this, these points will expire.
  • The card holder can redeem the reward points within 90 days from the date of card cancellation.

Terms & Conditions:

Do I need to pay when I use the Auto Assist?

You do not need to pay for arrangement, however all expenses including labor charges or any repair charges, need to be paid to the mechanic.

How long does it normally take for the mechanic to come to me in the time of emergency?

The Auto Assist service is on a best efforts basis, and the time would depend on the location of the vehicle. However, normally it would take about 30 to 45 minutes to reach you within city limits and about one to one and half hour to reach you if you are outside city limits.

What number do I call if I want to use the Auto Assist service?

You need to call the Concierge Service on 1860 267 7777 for Auto Assist.

What all cities is the Auto Assist service available?

The Auto Assist service is available in Delhi, Mumbai, Kolkata, Chennai and Bangalore


Terms and conditions:
Lost Card Liability

  • All PIN based transactions (like ATM, Internet and telephone etc) are not covered.
  • Pre-delivery fraud not covered.
  • 2 days (includes reporting day) pre-reporting and 7 days (Includes reporting day) post reporting claims are covered.
  • Claim has to be reported by Card holder within 15 days from the date of loss in case of card to be admissible for claim.
  • Insurance benefit would be available only to Active card users. An active card is defined as the card with one transaction/ activity on any POS terminal in last 6 months from date of loss.

Counterfeit card liability:

  • Claim has to be reported by cardholder within 15 days from the date of issue of statement containing the disputed counterfeit transaction.

You are just a phone call away from a relaxed tomorrow.
Protect your Credit Card with the Card Protection Program

In order to ensure safety of your credit cards, we bring to you the Card Protection Plan - to safeguard you in the event of , loss , theft or misuse of your IndusInd Bank Credit Cards . As is known, "Better safe than sorry" choose your Card Protection Plan today.

  Classic Premium Platinum
One free call to block all cards
24- hour toll-free number Yes Yes Yes
Worldwide cover Yes Yes Yes
Tele-registration line Yes Yes Yes
Emergency travel & hotel assistance
Hotel assistance (Overseas ) INR 80,000 INR 1,20,000 INR 1,60,000
Hotel assistance (In India) INR 40,000 INR 60,000 INR 80,000
Replacement travel tickets (Overseas) INR 80,000 INR 1,20,000 INR 1,60,000
Replacement travel tickets (In India) INR 40,000 INR 60,000 INR 80,000
Emergency cash assistance (In India) Nil INR 20,000 INR 20,000
Fraud Protection
Pre-notification* INR 50,000 INR 1,00,000 INR 150,000
Maximum limit per card INR 20,000 INR 40,000 INR 60,000
Post-notification INR 15 lakh INR 20 lakh INR 25 lakh
Other benefits
Reminder stickers Yes Yes Yes
Card ordering service Yes Yes Yes
Valuable document registration Yes Yes Yes
CPP key fob and retrieval service Yes Yes Yes
Free PAN card replacement service Yes Yes Yes
Lost mobile phone reporting service (SIM blocking) Yes Yes Yes
Mobile phone identifier (IME)registration service Yes Yes Yes
Foreign language interpreter assistance Nil Nil Yes
Membership fee ( annual )
Single INR 1,145 INR 1,495 INR 1,745
Joint INR 1,745 INR 2,245 INR 2,645

Click here for terms and conditions


Safety Tips on your Credit Card


  • DO NOT leave your Credit Card unattended.
  • DO NOT seek help from strangers at the ATM even if offered voluntarily.
  • DO NOT hand over your Credit Card to any individual other than a merchant when making a purchase.
  • DO NOT handover your credit card to anyone claiming to be a representative of a Bank/VISA/Master Card or any organization.


  • DO check the identity proof of the sales executive while applying for a card or loan or handing over your documents.
  • DO Check your application status after applying for any card or loan by calling the respective bank's helpline number
  • DO Pay attention to all alerts sent by the bank especially transaction alerts or address/mobile number change alert etc. Please inform the Bank immediately on any discrepancy.
  • DO Keep your Credit Card in the same place in your wallet/purse so that you notice it immediately if it is missing.
  • DO memorize your Personal Identification Number (PIN) and change it on a regular basis, destroy any physical documents of the PIN mailer.
  • DO Change your net banking passwords frequently.
  • DO Inform the Bank immediately, if there is any change in your mobile number, address etc. provided to the Bank.
  • DO ensure that the merchant processes the transaction on your credit card in your presence.
  • DO Verify that, on completion of the transaction, the Credit Card returned to you by the merchant, is yours.
  • DO check receipt of your monthly Credit Card statements. If you do not receive your Credit Card statement, contact our helpline number to check if the appropriate address is updated.
  • DO Keep the Bank's Helpline/Customer care number handy to enable immediate calling for any assistance/exigency.