IDBI Winnings vs IndusInd Bank Celesta
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Both cards score 8.4/10 — your spending pattern decides the winner.
| Feature | IDBI Winnings | IndusInd Bank Celesta |
|---|---|---|
| CardTrail Score | 8.4/10 | 8.4/10 |
| Annual Fee | ₹899 | ₹5,000 |
| Base Reward Rate | 2% | 1% |
| Max Reward Rate | 2% | 3% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 2 |
| International Lounges | 4 | 2 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | RuPay | Visa |
When to Choose IDBI Winnings
- You can meet the fee waiver condition: Spend Rs 90K/year
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: lounge, rewards, rupay
When to Choose IndusInd Bank Celesta
- You can meet the fee waiver condition: Spend ₹10L/year
- You want higher rewards — up to 3% vs 2%
- Your primary spend is: general, lounge, rewards
Annual Fee Value Analysis
To break even on IDBI Winnings's ₹899 fee at 2% rewards, spend ₹3,746/month.
To break even on IndusInd Bank Celesta's ₹5,000 fee at 1% rewards, spend ₹41,667/month.