FEES AND CHARGES

Schedule of Charges
Fee* Joining Fee Annual Fee* Add-on Card Fee
IndusInd Bank Celesta American Express® Credit Card ₹50,000 ₹5,000 NIL

Annual Fee will be charged at the end of 12 months from the card issue date (period). This Annual fees will be reversed if spends during the period on the card account (Combined spends of Primary and all Add-on Cards, if any) is INR 10,00,000 or more.

Cardholders will be entitled for a Welcome gift on payment of the Joining fee

OTHER FINANCIAL CHARGES

Interest Charge Monthly Rate Annual Rate
IndusInd Bank Celesta American Express® Credit Card 2.99% 36%
Interest-free Period Up to 50 days; Interest-free period is not applicable if Total Amount Due is not paid in full
Late Payment Charges Outstanding Balance (w.e.f. 1st October 2020)
Up to ₹ 100 - Nil
Between ₹ 101 to ₹ 500 - ₹ 100
Between ₹ 501 to ₹ 1000 - ₹ 350
Between ₹ 1001 to ₹ 10000 - ₹ 550
Between ₹ 10001 to ₹ 25000 - ₹ 800
Between ₹ 25000 to ₹ 50000 - ₹ 1100
Above ₹ 50000 - ₹ 1300
Over Limit Charges 2.5% of Over Limit Amount subject to a minimum of ₹ 500
Returned Cheque ₹ 250
Outstation Cheque Processing Fee Please note that the outstation Cheques only from IndusInd Bank locations can be accepted
Cash Advance Charges 2.5% of the advance amount subject to a minimum of ₹300
Balance Enquiry Charges on Non-Induslnd
Bank ATMs		 ₹ 25
Foreign Currency Mark-up 3.5%
Railway Booking Surcharge As applicable
Reward Redemption Fee (w.e.f. 1st November 2020) ₹ 100
Fuel Surcharge 1% waived on fuel surcharge. GST on fuel surcharge as per standard rate shall be applicable and borne by the customer
Cash Payment Fee at Induslnd Bank Branch ₹ 100
GST At the current rate, as notified by Ministry of Finance, Government of India.Applicable on all fees, interest and other charges.
Duplicate Statement Request ₹ 100 per statement (beyond last 3 months)
Re-issue/Replacement ₹ 100
Charge-slip Request ₹ 300

*Please note, the applicable charges/fees will be communicated to the customer at the time of application. These fees will be levied in the first monthly bill of the customer. Charges can be revised from time to time at the sole discretion of the Bank. Such charges if any, will be communicated to the customer with prior notice.

*Annual Fee will be charged at the end of 12 months from the card issue date (period). This Annual fees will be reversed if spends during the period on the card account (Combined spends of Primary and all Add-on Cards, if any) is INR 10,00,000 or more.

® Registered trademark of American Express. This Card is issued by IndusInd Bank pursuant to a license from American Express