Chennai Super Kings ICICI Bank vs IndusInd Bank Celesta
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Chennai Super Kings ICICI Bank Credit Card wins 5 of 8 dimensions with a CardTrail Score of 8.5/10 vs 8.4/10.
| Feature | Chennai Super Kings ICICI Bank | IndusInd Bank Celesta |
|---|---|---|
| CardTrail Score | 8.5/10 | 8.4/10 |
| Annual Fee | ₹500 | ₹5,000 |
| Base Reward Rate | 2% | 1% |
| Max Reward Rate | 10% | 3% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 4 | 2 |
| International Lounges | 0 | 2 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose Chennai Super Kings ICICI Bank
- You can meet the fee waiver condition: Spend Rs 1.5L/year
- You want higher rewards — up to 10% vs 3%
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: cricket, rewards
When to Choose IndusInd Bank Celesta
- You can meet the fee waiver condition: Spend ₹10L/year
- Your primary spend is: general, lounge, rewards
Annual Fee Value Analysis
To break even on Chennai Super Kings ICICI Bank's ₹500 fee at 2% rewards, spend ₹2,083/month.
To break even on IndusInd Bank Celesta's ₹5,000 fee at 1% rewards, spend ₹41,667/month.