BOI Celestia Credit Card
- Joining fee
₹5,000 + GST
- Annual fee
₹5,000 + GST
- Best suited for
Movies, Travel, Dining
- Reward type
Reward Points
Rewards
- Rewards rate
5X Loyalty Reward Points on Dining, Airline Booking, and Fuel
- Welcome benefits
E-vouchers Worth ₹5,000
Benefits
- Movie & dining
Buy One Get One Movie Ticket Per Month
- Travel
Complimentary HoteLux Membership
- Domestic lounge
Unlimited Domestic Airport Lounge Access and Exclusive Access to RuPay Delhi Exclusive Lounge
- International lounge
Unlimited Airport Lounge Access
- Golf
4 Complimentary Domestic Golf Rounds/Lessons Each Year
- Insurance
Personal Accidental Insurance: ₹50 Lakhs | Air Accidental Insurance: ₹1 Crore | Purchase Protection: ₹2 Lakhs | Travel Insurance (Baggage Loss): ₹20,000
Product highlights
- The Celestia Credit Card is an ultra-premium RuPay credit card by Bank of India for high-income customers.
- Cardholders get luxury benefits like airport lounge access, hotel stays, dining offers, and golf privileges.
- The card includes 24×7 concierge services and international travel assistance.
- It also provides reward points and comprehensive insurance coverage for added security.
Pros & cons
Pros
- The card provides exclusive benefits such as airport lounge access, luxury hotel accommodations, dining and golf privileges, and strong travel insurance.
- Additional perks include 24/7 concierge support for various needs and rewards points on dining, fuel, and airline bookings.
Cons
- The card does not offer an annual fee waiver based on spending, which is a drawback, as it has a joining and annual fee of ₹ 5,000+ GST.
- The add-on fee of ₹5,000 is quite high, making the card less cost-effective.
FAQs
Do I get any joining benefits?
Yes, you will receive ₹5,000 worth of e-vouchers as a welcome benefit after joining.
Does the card provide insurance cover?
Yes, the card includes accident insurance, travel insurance, and purchase protection, providing extra safety when using the card.
Can I add a family member to this card?
Yes, add-on cards are available, but they come with a high add-on fee of ₹5,000.