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
PIONEER Legacy Credit Card
Rs 0Annual fee
4Domestic lounge
Domestic lounge conditions
- 1 complimentary visit per calendar quarter to participating domestic lounges in India.
- Effective 1 April 2026, domestic lounge access is spend-gated: quarterly spends are tracked to unlock complimentary domestic access from the July 2026 quarter onwards.
- Guest visits, and primary-cardholder visits beyond the complimentary quota, are charged up to USD 35 per visit.
- 2 complimentary visits per calendar quarter to participating international lounges outside India via Priority Pass.
- Guest visits, and visits beyond the 2-per-quarter complimentary quota, are charged up to USD 35 per visit.
1.8%Forex markup
Best for
premium, travel, lounge, golf, low forex
Top rewards
weekday spends: 1 reward point per Rs 100; weekend spends: 2 reward points per Rs 100; Utility bill payments: 0.7 reward points per Rs 100
| Feature | IndusInd Bank Celesta Credit Card | PIONEER Legacy Credit Card |
|---|---|---|
| Issuer | IndusInd Bank | IndusInd Bank |
| Network | American Express | Mastercard, Visa |
| Joining fee | Rs 50,000 | Rs 45,000 |
| Annual fee | Rs 5,000 | Rs 0 |
| Fee waiver spend | Rs 10,00,000 | - |
| Reward type | reward points | Pioneer Rewards |
| Best for | travel, lounge, golf, premium | premium, travel, lounge, golf, low forex |
| Top reward categories | 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 | weekday spends: 1 reward point per Rs 100; weekend spends: 2 reward points per Rs 100; Utility bill payments: 0.7 reward points per Rs 100 |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | Unlimited | 4 |
| International lounge | 8 | 8 |
| Forex markup | 3.5% | 1.8% |
| Milestone benefits | Annual fee reversed on spends of Rs 10,00,000 or more in the card anniversary year | Not listed |
| Redemption | Air miles: upto Rs 0.5 per point; Statement credit: upto Rs 0.7 per point | Statement credit: upto Rs 1 per point |
| Key exclusions | Fuel transactions, Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) | fuel transactions |