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Is IndusInd Celesta LTF Worth Taking?

aam.aadmi

TF Premier
I have been offered Celesta LTF on C2C basis: currently holding ICICI Sapphiro + HDFC Millennia, both are LTF. Should I take it?
 
LTF hai, lelo. Bank offers aur lounge access mein kaam aayega.
Sapphiro has 8 complimentary visits per quarter, 4 each on MC & AMEX variants. Can take 6 guests with me, 1+3 on both cards. Sufficient for my travel. I don't see any additional benefit in Celesta that can justify a huge dent in my CIBIL score (current just over 700)
 
Sapphiro has 8 complimentary visits per quarter, 4 each on MC & AMEX variants. Can take 6 guests with me, 1+3 on both cards. Sufficient for my travel. I don't see any additional benefit in Celesta that can justify a huge dent in my CIBIL score (current just over 700)
Then you should not proceed with this card. In my opinion, you should go for this only for bank offers on federal cards.
 
I think if you are getting Indusind Celesta LTF without joining fees then you should take it. Credit inquiry does not make too much dent in the cibil score and that much can be gotten back in a couple of months.
 
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