American Express Platinum Reserve Credit Card
Rs 10,000Annual fee
Rs 10,00,000Fee waiver spend
12Domestic lounge
Domestic lounge conditions
- 12 complimentary visits in a year, limited to 3 visits per quarter.
- 2 complimentary Priority Pass lounge visits in a year.
- Priority Pass membership worth US$99 is complimentary on enrolment.
- Visits beyond the 2 complimentary visits are charged at prevailing rates, currently US$35 per person per visit.
3.5%Forex markup
Best for
premium, lounge, golf, monthly vouchers, hotel benefits
Top rewards
retail: 1 Membership Rewards Point / Rs 50 spent on eligible categories; partner merchants: 3 Membership Rewards Points / Rs 50 spent via Reward Multiplier on select brands
IndusInd Bank Celesta Credit Card
Rs 5,000Annual fee
Rs 10,00,000Fee waiver spend
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited complimentary domestic lounge access (effective July 2026 quarter onwards, requires minimum spend of Rs 1,50,000 in the previous quarter to unlock access)
- 2 complimentary international lounge visits per calendar quarter via Priority Pass
3.5%Forex markup
Best for
travel, lounge, golf, premium
Top rewards
Other retail spends: 1.5 reward points per Rs 100; Utility, insurance, government, education, real estate, and rent spends: 0.7 reward points per Rs 100
| Feature | American Express Platinum Reserve Credit Card | IndusInd Bank Celesta Credit Card |
|---|---|---|
| Issuer | American Express | IndusInd Bank |
| Network | American Express | American Express |
| Joining fee | Rs 10,000 | Rs 50,000 |
| Annual fee | Rs 10,000 | Rs 5,000 |
| Fee waiver spend | Rs 10,00,000 | Rs 10,00,000 |
| Reward type | membership rewards | reward points |
| Best for | premium, lounge, golf, monthly vouchers, hotel benefits | travel, lounge, golf, premium |
| Top reward categories | retail: 1 Membership Rewards Point / Rs 50 spent on eligible categories; partner merchants: 3 Membership Rewards Points / Rs 50 spent via Reward Multiplier on select brands | Other retail spends: 1.5 reward points per Rs 100; Utility, insurance, government, education, real estate, and rent spends: 0.7 reward points per Rs 100 |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 12 | Unlimited |
| International lounge | 2 | 8 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Rs 1,000 monthly voucher on spending Rs 50,000 or more in a calendar month, redeemable across partner brands such as Tata CLiQ Luxury, BookMyShow, and MakeMyTrip, subject to enrolment | Annual fee reversed on spends of Rs 10,00,000 or more in the card anniversary year |
| Redemption | Air miles: upto Rs 0.5 per point; Statement credit: upto Rs 0.25 per point | Air miles: upto Rs 0.5 per point; Statement credit: upto Rs 0.7 per point |
| Key exclusions | insurance, utilities, cash transactions, EMI conversion at point of sale, excluded spends as per American Express terms | Fuel transactions, Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) |