Federal Bank Celesta Credit Card
Updated on September 3, 2026
🎖️Reward Rate
Travel and International: 3X reward points
Overview
The Federal Bank Celesta Credit Card is a lifetime-free Visa card with 3-2-1 rewards on travel, dining and other spends, plus lounge access.
Rewards
Reward Type
Reward Points
Reward Rate
- • Travel and International: 3X reward points
- • Dining: 2X reward points
- • Other Spends: 1X reward points
- • Exclusions: No points on fuel, cash advances or wallet loads
Welcome Benefit
Amazon Pay voucher worth ₹600 when you spend ₹10,000 in the first 30 days.
Redemption
Reward Points Redemption Channels: Redeemable across travel, curated merchandise catalogs, and FedNet gift vouchers
Benefits
- Domestic Lounges: 2 visits in the next quarter when you spend ₹60,000 or more in a quarter
- International Lounges: 2 visits a year with no spend condition
- Movies: Buy one get one on INOX tickets once a month
- Fuel Surcharge Waiver: 1% at all fuel stations in India
- Insurance: Complimentary travel and accident cover
Things to Know Before you apply
Federal Bank Celesta Credit Card Eligibility Criteria
- Age: 21–65 years
- For high net worth Federal Bank customers with an existing account relationship.
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Renewal Fee | ₹3,000 |
| Foreign Currency Mark-up Fee | 2% |
| Cash Advance Fee | 2.5% of the amount withdrawn (minimum ₹300). |
Fee waiver: Lifetime free. No joining or annual fee.
PaisaSimple Review
Overall Rating
3.1/5What do we like about this card?
Rated 3.1 out of 5. The Federal Bank Celesta Credit Card scores well for no fees, a 2% forex markup, 2 international lounge visits a year with no spend condition and buy one get one INOX tickets. It loses marks because it is only for high net worth Federal Bank customers, the reward rates are modest and domestic lounges need ₹60,000 of quarterly spending.
Frequently Asked Questions
What is the joining and annual fee of the Federal Bank Celesta Credit Card?
The card is lifetime free, with no joining fee and no annual fee.
What rewards does the Federal Bank Celesta Credit Card give?
Travel and International: 3X reward points. Dining: 2X reward points. Other Spends: 1X reward points. Exclusions: No points on fuel, cash advances or wallet loads.
How do I redeem the rewards on the Federal Bank Celesta Credit Card?
Reward Points Redemption Channels: Redeemable across travel, curated merchandise catalogs, and FedNet gift vouchers.
Does the Federal Bank Celesta Credit Card give airport lounge access?
Domestic Lounges: 2 visits in the next quarter when you spend ₹60,000 or more in a quarter. International Lounges: 2 visits a year with no spend condition.
What is the forex markup on the Federal Bank Celesta Credit Card?
The forex markup is 2% of the amount spent in a foreign currency.
Who can apply for the Federal Bank Celesta Credit Card?
Applicants should be 21 to 65 years old. For high net worth Federal Bank customers with an existing account relationship.
Compare with Similar Cards
Joining Fee
Free
Annual Fee
Free
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Annual/Renewal Fee
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Joining Fee
₹12,000
Annual/Renewal Fee
₹20,000
- • Amazon Pay voucher worth ₹600 when you spend ₹10,000 in the first 30 days.
- • ₹500 gift voucher when you spend ₹5,000 within 30 days of card generation.
- • 20,000 reward points when you start using the card.
- • Travel and International: 3X reward points
- • Dining: 2X reward points
- • Other Spends: 1X reward points
- • Exclusions: No points on fuel, cash advances or wallet loads
- • Dining, Travel and International: 10X reward points, also on your birthday
- • Other Spends: 3X reward points
- • Insurance, Utilities, Railways and FASTag: 1X reward points
- • Rate: 1X = 1 point per ₹200
- • Exclusions: No points on fuel, EMI or cash withdrawals
- • Limit: Points only on spends up to your credit limit each cycle
- • Travel Bookings: 20% bonus points every month on flights and hotels via the IDFC FIRST app
- • Base Rate: 3 reward points per ₹100
- • Travel with Points: Up to 12X on hotels, flights and car rentals
- • Validity: Points never expire
- • No Fees: Lifetime free
- • Zero Forex: No markup abroad
- • Accelerated Rewards: 10X on dining, travel and international
- • Insurance: ₹1 crore air accident cover
- • Low Forex: 0.99% markup
- • Lounges: Unlimited domestic and international access plus guest visits
- • Point Value: ₹1 per point at Apple and selected airlines
- • Welcome Bonus: 20,000 points
- • Spend Conditions: Lounges, golf and movies need ₹20,000 monthly spend
- • Redemption Fee: ₹99 plus GST
- • High Income Bar: ₹36 lakh a year
- • No Points on Fuel: Fuel spends earn nothing
- • Premier Only: Needs an HSBC Premier account
- • Fees: ₹12,000 joining and ₹20,000 annual unless you qualify for the waiver
- • Interest: 2.99% a month on unpaid balances