Federal Bank Celesta Credit Card
Updated on August 26, 2026
🎖️Reward Rate
Base Rewards: 3 Reward Points per ₹100 (3 Reward Points per ₹100 on retail spends)
Overview
Federal Bank Celesta Credit Card by Federal Bank provides premium value tailored for Super Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 3 Reward Points per ₹100 (3 Reward Points per ₹100 on retail spends)
- • 5 Reward Points per ₹100 (5 Reward Points per ₹100 on international spends)
- • Accelerated Rewards: Accelerated reward points on dining and international travel.
- • Excluded Categories: Fuel, Wallet Reloads, Cash Advances
Welcome Benefit
Welcome gift vouchers worth ₹3,000 on card activation and min spend of ₹10,000 within 30 days; Qualification Criteria: Spend ₹10,000 within 30 days of issuance; Fulfillment Timeline: 45 days post spend
Milestone Benefit
Spend ₹10 Lakhs (Annual): Annual fee waiver of ₹3,000 on reaching ₹10,00,000 annual spend; Annual Fee Waiver: Waived on spending ₹10,00,000 or more in the previous card anniversary year
Redemption
- • Travel bookings
- • Catalog merchandise
- • Brand gift vouchers
Benefits
- Domestic Airport Lounge: 4 visits per quarter [Criteria: Subject to quarterly spend criteria]
- International Airport Lounge: 2 visits per year [Criteria: Priority Pass / LoungeKey network]
- Fuel Surcharge Waiver: 1% (Max waiver ₹300 per month)
- Buy 1 Get 1 Free Movie Tickets: Buy 1 Get 1 Free ticket on BookMyShow up to ₹250 (twice a month) (Up to ₹250 off per ticket) [Partners: BookMyShow]
- Complimentary Golf Games: 2 complimentary golf games or lessons per quarter at premier courses in India. (2 complimentary golf games per quarter) [Partners: Golftripz]
- Air Accident & Liability Cover: ₹1 Crore Air Accident Cover and ₹50,000 Lost Card Liability protection. (₹1 Cr Air Accident Cover) [Partners: Federal Bank Partner Insurance]
Things to Know Before you apply
Federal Bank Celesta Credit Card Eligibility Criteria
- Age: 21–65 years
- Net Annual Income of ₹25,00,000+ or high TRV relationship with Federal Bank
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹3,000 |
| Annual Fee | ₹3,000 |
| Foreign Currency Mark-up Fee | 2% |
| Cash Advance Fee | 2.5% (min ₹300) |
Fee waiver: Waived on spending ₹10,00,000 or more in the previous card anniversary year
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
Federal Bank Celesta Credit Card issued by Federal Bank is one of India's leading credit cards for Super Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 3 Reward Points per ₹100 (3 Reward Points per ₹100 on retail spends)
- • 5 Reward Points per ₹100 (5 Reward Points per ₹100 on international spends)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹3000
- • Reward exclusion on fuel purchases and wallet load transactions
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- • Welcome gift vouchers worth ₹3,000 on card activation and min spend of ₹10,000 within 30 days
- • Qualification Criteria: Spend ₹10,000 within 30 days of issuance
- • Fulfillment Timeline: 45 days post spend
- • Amazon.in gift voucher worth ₹2,000 on first transaction + 3-month complimentary Swiggy One membership + Priority Pass
- • Qualification Criteria: First transaction within 30 days of card setup
- • Fulfillment Timeline: 30 days
- • Complimentary annual Swiggy One and Times Prime memberships on ₹75,000 spend in first 90 days.
- • Base Rewards: 3 Reward Points per ₹100 (3 Reward Points per ₹100 on retail spends)
- • 5 Reward Points per ₹100 (5 Reward Points per ₹100 on international spends)
- • Accelerated Rewards: Accelerated reward points on dining and international travel.
- • Excluded Categories: Fuel, Wallet Reloads, Cash Advances
- • Base Rewards: 10 EDGE Reward Points per ₹200 (10 EDGE Reward Points per ₹200 on general retail spends (1% value))
- • Accelerated Rewards: 20 EDGE Reward Points per ₹200 (2X) on retail shopping & grocery spends
- • Excluded Categories: Fuel, Wallet loads, Rent
- • 4 RP/₹200 retail
- • 20 RP/₹200 on Swiggy/Zomato
- • up to 10X via SmartBuy.
- • Base Rewards: 3 Reward Points per ₹100 (3 Reward Points per ₹100 on retail spends)
- • 5 Reward Points per ₹100 (5 Reward Points per ₹100 on international spends)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 10 EDGE Reward Points per ₹200 (10 EDGE Reward Points per ₹200 on general retail spends (1% value))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • 5X-equivalent reward rate on eligible Swiggy and Zomato online food orders
- • Up to 10X SmartBuy rewards
- • Swiggy One and Times Prime welcome memberships
- • Milestone vouchers
- • Movie and dining benefits
- • Conditional domestic and international lounge access
- • Annual renewal fee of ₹3000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹3000
- • Reward exclusion on fuel purchases and wallet load transactions
- • ₹1,000 joining/renewal membership fee plus applicable taxes unless waived
- • Renewal-fee waiver requires ₹3 lakh eligible annual spend
- • Lounge access is linked to eligible previous-quarter spend
- • Reward redemption value varies by redemption channel