IndusInd Bank · Premium
Celesta Credit Card
Where it ranks across all 187 cards
#35 Wallet load
0.8%
direct
#37 EMI
0.8%
direct
#72 Jewellery & watches
0.8%
direct
#80 Gaming
0.8%
direct
#88 Mobile / broadband
0.8%
direct
#94 Train tickets
0.8%
direct
#100 Cabs & transit
0.8%
direct
#106 Other
0.8%
direct
#107 Health & pharmacy
0.8%
direct
#108 Electronics
0.8%
direct
#112 Hotels
0.8%
direct
#113 Flights
0.8%
direct
#116 Online shopping
0.8%
direct
#117 Fashion
0.8%
direct
#119 Food delivery
0.8%
direct
#119 Movies & events
0.8%
direct
#121 Groceries
0.8%
direct
#125 Dining out
0.8%
direct
#53 Insurance
0.5%
direct
#56 Education
0.5%
direct
#63 Utility bills
0.5%
direct
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Get Cash Credit in the ratio of 1 Reward Point = ₹ 0.75 of cash value
Points valued at ₹0.75/pt - conservative, what rankings use
Reward rules3 direct
Base rate - everything not covered below
0.75%base rate
1 pt / ₹100
source
Source: IndusInd Bank - Celesta Rewards Program - indusind.bank.in - read 25 Sep 2026
3 pts / ₹100 on international spends
2.25%this rule
3 pts / ₹100
source
Source: IndusInd Celesta card page - indusind.bank.in - read 26 Sep 2026
0.7 pts / Rs 100 on utilities, insurance, govt, education and rent
0.52%this rule
0.7 pts / ₹100
source
Source: IndusInd Bank - Rewards program revision - indusind.bank.in - read 25 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
Fuel
earns nothing
Fuel transactions accrue no reward points since 1 Apr 2018 (bank T&C).
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5983, 5172, 5542, 5541
Source: IndusInd fuel surcharge T&C (bank site): "effective 01st April 2018, fuel transactions will not accrue reward points on your IndusInd Bank Credit Card" - indusind.bank.in - read 2 Oct 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.
BookMyShow
Buy one movie ticket on BookMyShow and get the other free, up to ₹700 off, up to three times a month · till 2027-03-31
Source: IndusInd Bank - Celesta Credit Card, entertainment - indusind.bank.in - read 11 Oct 2026
₹700a month
BookMyShow
20% off BookMyShow event and theatre tickets, up to ₹350 for every two tickets, capped at two transactions a month · till 2027-03-31
Source: IndusInd Bank - Celesta Credit Card, entertainment - indusind.bank.in - read 11 Oct 2026
20%up to ₹350 a month
EazyDiner
₹3,000 off your bill when you pay via the EazyDiner app, once every six months
Source: IndusInd Bank - Celesta Credit Card, dining - indusind.bank.in - read 11 Oct 2026
₹3,000discount
Club Marriott
Club Marriott membership free for a year: up to 25% off food and beverage and up to 20% off room rates at participating Marriott hotels in India
Source: IndusInd Bank - Celesta Credit Card, lifestyle - indusind.bank.in - read 11 Oct 2026
Partner golf clubs
Complimentary golf game and golf lesson every month at select golf clubs
Source: IndusInd Bank - Celesta Credit Card, golf - indusind.bank.in - read 11 Oct 2026
Priority Pass
Two complimentary international lounge visits a quarter via Priority Pass
Source: IndusInd Bank - Celesta Credit Card, travel - indusind.bank.in - read 11 Oct 2026