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
YES BANK MARQUEE Credit Card
Rs 4,999Annual fee
Rs 10,00,000Fee waiver spend
24Domestic lounge
Domestic lounge conditions
- Domestic lounge access up to 6 visits per quarter for primary and add-on cardmembers
- Domestic lounge access is subject to a spend threshold of Rs 1,00,000 in the previous calendar quarter.
- Unlimited international lounge access for primary and add-on cardmembers
1%Forex markup
Best for
premium, travel, lounge, movies, golf
Top rewards
Online spends: 36 YES Rewardz Points / Rs 200 spent; Other retail spends: 18 YES Rewardz Points / Rs 200 spent; Select categories (utilities, insurance, education, telecom): 10 YES Rewardz Points / Rs 200 spent
| Feature | IndusInd Bank Celesta Credit Card | YES BANK MARQUEE Credit Card |
|---|---|---|
| Issuer | IndusInd Bank | YES Bank |
| Network | American Express | Visa |
| Joining fee | Rs 50,000 | Rs 9,999 |
| Annual fee | Rs 5,000 | Rs 4,999 |
| Fee waiver spend | Rs 10,00,000 | Rs 10,00,000 |
| Reward type | reward points | YES Rewardz points |
| Best for | travel, lounge, golf, premium | premium, travel, lounge, movies, golf |
| 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 | Online spends: 36 YES Rewardz Points / Rs 200 spent; Other retail spends: 18 YES Rewardz Points / Rs 200 spent; Select categories (utilities, insurance, education, telecom): 10 YES Rewardz Points / Rs 200 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | Unlimited | 24 |
| International lounge | 8 | Unlimited |
| Forex markup | 3.5% | 1% |
| 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 | Air miles: upto Rs 0.1 per point; Statement credit: upto Rs 0.25 per point |
| Key exclusions | Fuel transactions, Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) | Fuel transactions, Rental payments, Wallet loading transactions, Cash withdrawal / cash advance transactions, EMI transactions (including post-purchase and instant EMI) |