Platinum Travel Credit Card
Rs 5,000Annual fee
8Domestic lounge
Domestic lounge conditions
- Domestic lounge access requires quarterly spending, and is capped at 2 visits per calendar quarter
- Priority Pass membership fee of US$99 is waived; lounge visit charges are payable at actual prevailing rates
3.5%Forex markup
Best for
Travel, Milestones, Lounge, Taj, Membership Rewards
Top rewards
Base: 1 Membership Rewards Point / ₹50 spent; Partner Merchants: 3 Membership Rewards Points / ₹50 spent via Reward Multiplier on select brands
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 ₹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 ₹100; Utility, Insurance, Government, Education, Real Estate, And Rent Spends: 0.7 reward points per ₹100
| Feature | Platinum Travel Credit Card | Celesta Credit Card |
|---|---|---|
| Issuer | American Express | IndusInd Bank |
| Network | American Express | American Express |
| Joining fee | Rs 5,000 | Rs 50,000 |
| Annual fee | Rs 5,000 | Rs 5,000 |
| Fee waiver spend | - | Rs 10,00,000 |
| Reward type | Membership Rewards | Reward Points |
| Best for | Travel, Milestones, Lounge, Taj, Membership Rewards | Travel, Lounge, Golf, Premium |
| Top reward categories | Base: 1 Membership Rewards Point / ₹50 spent; Partner Merchants: 3 Membership Rewards Points / ₹50 spent via Reward Multiplier on select brands | Other Retail Spends: 1.5 reward points per ₹100; Utility, Insurance, Government, Education, Real Estate, And Rent Spends: 0.7 reward points per ₹100 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 8 | Unlimited |
| International lounge | 0 | 8 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | 10,000 Membership Rewards points on spending ₹4 lakh in a cardmembership year, Taj Experiences voucher worth ₹20,000 on spending ₹7 lakh in a cardmembership year | Annual fee reversed on spends of ₹10,00,000 or more in the card anniversary year |
| Redemption | Air miles: upto ₹ 0.6 per point; Statement credit: upto ₹ 0.25 per point | Air miles: upto ₹ 0.5 per point; Statement credit: upto ₹ 0.7 per point |
| Key exclusions | fuel, utilities, insurance, 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) |