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Bank of India Celestia RuPay Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated June 2026
Bank of India RuPay Premium

Join / Annual

₹0/₹11999

Base Rate

2.0%

Reward Type

Points

Overview

The Bank of India Celestia RuPay Credit Card is a Premium credit card issued by Bank of India on the RuPay network. It offers a base reward rate of 2.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: ₹11,999
Eligibility: Invitation Basis only. Minimum gross annual income of ₹15 lakh required.

Reward Rates & Cashback Rules

  • CATEGORY – Dining: 10.0% cashback | monthly cap ₹2500.0 ⚠️ Total monthly points capped at 10,000 across all spends.
  • CATEGORY – Airlines: 10.0% cashback | monthly cap ₹2500.0 ⚠️ Total monthly points capped at 10,000 across all spends.
  • CATEGORY – Fuel: 10.0% cashback | monthly cap ₹2500.0 ⚠️ Total monthly points capped at 10,000 across all spends.
  • CATEGORY – All Other Spends: 2.0% cashback | monthly cap ₹2500.0 ⚠️ No points on UPI transactions of ₹2,000 or less. Total monthly points capped at 10,000.
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Wallet: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback

Key Features & Benefits

  • Welcome Benefit 🎁: E-vouchers worth over ₹10,000 upon card issuance.
  • Airport Lounge Access ✈️: 2 complimentary domestic lounge visits per quarter and 4 complimentary international visits per year.
  • Golf Program ⛳: 4 complimentary domestic golf lessons or rounds per year.
  • Movie Offer 🎬: Buy-One-Get-One free on movie tickets up to ₹500 per month via BookMyShow.
  • Hotel & Dining Benefits 🏨: 2+1 complimentary night stays and 1+1 dining at select ITC Hotels, plus complimentary HoteLux Elite Plus membership.
  • Comprehensive Insurance 🛡️: Includes Air Accidental Insurance up to ₹1 Crore and Personal Accidental Insurance up to ₹50 Lakhs.
  • 24/7 Concierge Service 🛎️: Assistance for travel reservations, golf bookings, and emergency services.

Eligibility Criteria

Invitation Basis only. Minimum gross annual income of ₹15 lakh required.

Features & Benefits

🎁

Welcome Benefit

E-vouchers worth over ₹10,000 upon card issuance.

✈️

Airport Lounge Access

2 complimentary domestic lounge visits per quarter and 4 complimentary international visits per year.

⛳

Golf Program

4 complimentary domestic golf lessons or rounds per year.

🎬

Movie Offer

Buy-One-Get-One free on movie tickets up to ₹500 per month via BookMyShow.

🏨

Hotel & Dining Benefits

2+1 complimentary night stays and 1+1 dining at select ITC Hotels, plus complimentary HoteLux Elite Plus membership.

🛡️

Comprehensive Insurance

Includes Air Accidental Insurance up to ₹1 Crore and Personal Accidental Insurance up to ₹50 Lakhs.

🛎️

24/7 Concierge Service

Assistance for travel reservations, golf bookings, and emergency services.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Dining
Reward: 10.0% Monthly Cap: ₹2500.0
⚠️ Exceptions: Total monthly points capped at 10,000 across all spends.
10%
Airlines
Reward: 10.0% Monthly Cap: ₹2500.0
⚠️ Exceptions: Total monthly points capped at 10,000 across all spends.
10%
Fuel
Reward: 10.0% Monthly Cap: ₹2500.0
⚠️ Exceptions: Total monthly points capped at 10,000 across all spends.
10%
All Other Spends
Reward: 2.0% Monthly Cap: ₹2500.0
⚠️ Exceptions: No points on UPI transactions of ₹2,000 or less. Total monthly points capped at 10,000.
2%
Rent Exclusion
Wallet Exclusion
EMI Exclusion

Value Chart

Assuming basic spends for Bank of India Celestia RuPay Credit Card

Category Bank of India Celestia RuPay Credit Card Axis Bank Atlas Credit Card Miles & More World Select Credit Card BOBCARD Eterna Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹11999 ₹5000 ₹4500 ₹2499
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		2.0% 2.0% 3.0% 3.0%
★
Known Rules 		7 rules 11 rules 9 rules 10 rules

Pros & Cons

✓

Pros

  • + Dining — 10.0% Points (cap ₹2500.0)
  • + Airlines — 10.0% Points (cap ₹2500.0)
  • + Fuel — 10.0% Points (cap ₹2500.0)
  • + All Other Spends — 2.0% Points (cap ₹2500.0)
  • + Welcome Benefit
  • + Airport Lounge Access
  • + Golf Program
  • + Movie Offer
✗

Cons

  • − No reward on Rent
  • − No reward on Wallet
  • − No reward on EMI
  • −High annual fee of ₹11999
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹6000

Annual Fee

₹11999

Net Value

₹-5999

⚠️ At ₹3L/year spend, the fee outweighs base rewards. This card pays off only through benefits like lounge access, milestone rewards, or high-spend categories.

👍 Best For

  • › High spenders who can offset the annual fee through rewards
  • › Frequent flyers who value unlimited airport lounge access
  • › Travellers who use hotel & lifestyle benefits regularly

👎 Not Worth It If…

  • › Your monthly spends are below ₹25,000 — fee won't be recovered
  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The annual fee is ₹11,999 + GST. This fee can be waived by spending ₹8 lakhs or more in the preceding year.

You earn 10 points per ₹100 on Dining, Airlines, and Fuel, and 2 points per ₹100 on all other spends. Each reward point is worth ₹0.25.

The card offers 2 complimentary domestic lounge visits per quarter and 4 complimentary international lounge visits per year.

Yes, reward point accumulation is capped at a total of 10,000 points per customer ID per month across all spending categories.

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