Earn rewards on travel, dining, and international spends with a lifetime free card that offers complimentary lounge access and a low forex mark-up fee.
Up to 3X points on spends
Complimentary domestic and international lounges
₹600 voucher on ₹10,000 spend
Enter your details to get started
| Benefit | Details |
|---|---|
| Lifetime Free | The Federal Bank Celesta Credit Card is currently a lifetime free card with no joining fee or annual membership fee. |
| 3-2-1 Reward Structure | Earn 3 reward points on travel and international transactions, 2 reward points on dining, and 1 reward point on all other eligible spends. |
| Welcome Benefit | Cardholders receive an Amazon Pay e-voucher worth ₹600 on spending ₹10,000 or more within the first 30 days of card issuance. |
| Domestic Lounge Access | 2 complimentary domestic airport lounge visits per quarter, subject to a minimum spend of ₹60,000 in the previous quarter. |
| International Lounge Access | 2 complimentary international airport lounge visits per year. |
| Low Forex Mark-up | A reduced foreign exchange mark-up fee of 2% applies on all international transactions, making the card practical for cardholders who travel abroad or make international purchases online. |
| INOX BOGO Movie Offer | Buy one INOX movie ticket and receive a discount of up to ₹100 on the second ticket, once per month. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver at all fuel stations across India. |
| Contactless Payments | The card supports contactless transactions via NFC-enabled POS machines for quick and secure payments. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | The Federal Bank Limited |
| Bank / Non-bank | Bank-affiliated |
| Category | Travel / Rewards / Lifestyle |
| Type of Card | Visa / Mastercard |
| Free or Paid | Lifetime Free (limited-period offer; subject to change) |
The Federal Bank Celesta Credit Card is designed for individuals who travel domestically and internationally with reasonable frequency and want a card that rewards their spending across travel, dining, and overseas transactions without the burden of an annual fee. With a straightforward 3-2-1 reward structure, complimentary domestic and international lounge access, a reduced forex mark-up of 2%, and a monthly movie benefit at INOX, the card offers a well-rounded set of everyday privileges. It is available in both Visa and Mastercard variants, each offering the same core benefits with network-specific additional deals. The card is particularly well-suited to consumers who are looking for an entry-level travel card that does not carry a joining or annual fee.
Lifetime Free (Limited-Period Offer): The Federal Bank Celesta Credit Card is currently offered with no joining fee or annual membership fee.
Two Card Variants: The card is available in both Visa and Mastercard variants. Both variants offer the same core benefits across travel, dining, shopping, and movies.
Domestic Lounge Access: Primary cardholders receive 2 complimentary domestic airport lounge visits per quarter, subject to spending ₹60,000 in the previous quarter.
International Lounge Access: 2 complimentary international airport lounge visits are available per year.
Dynamic APR: The card carries a lowest dynamic annual percentage rate (APR) starting from 1.99% per month.
Customer Care: Cardholders can contact Federal Bank credit card customer care on 1800-425-1199.
3 Reward Points: Earned on travel and international spends.
2 Reward Points: Earned on dining transactions.
1 Reward Point: Earned on all other eligible retail spends.
Amazon Pay e-Voucher: On spending ₹10,000 or more within the first 30 days of card issuance, primary cardholders receive an Amazon Pay e-voucher worth ₹600.
Domestic Lounge Access: 2 complimentary visits to partner domestic airport lounges per quarter, subject to a minimum spend of ₹60,000 in the previous quarter. Only the primary cardholder is eligible for this benefit.
International Lounge Access: 2 complimentary international airport lounge visits per year. A nominal charge is levied at the point of entry and reimbursed within 30 days.
Low Forex Mark-up: A reduced forex mark-up fee of 2% applies on all international transactions, including purchases made online in foreign currencies.
INOX BOGO Movie Offer: Buy one INOX movie ticket and receive a discount of up to ₹100 on the second ticket. This benefit is available once per month and is applicable only on INOX movie tickets.
Fuel Surcharge Waiver: A 1% fuel surcharge waiver is available at all fuel stations across India.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹0 (Lifetime Free) | No joining fee applicable. This is a limited-period offer; cardholders should check the official Federal Bank website for the latest updates. |
| Annual Fee | ₹0 (Lifetime Free) | No annual membership fee is applicable under the current limited-period offer. |
| Criteria | Details |
|---|---|
Age | Minimum 18 years for a secured credit card; minimum 21 years for an unsecured Federal Bank credit card. |
Residency | Resident Indian or Non-Resident Indian (NRI) |
Occupation | Salaried or Self-Employed |
Credit History | A good credit history is recommended for higher approval chances |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory), Aadhaar Card, Passport, Driving Licence, or Voter ID |
| Address Proof | Aadhaar Card, Passport, Driving Licence, Voter ID, or utility bills |
| Income Proof | Latest salary slips and corresponding bank statements (for salaried); bank statements, Form 16, or ITR (for self-employed) |
| Photographs | Recent passport-size photographs |
Step 1: Click on Apply Now: Hit the "Apply Now" button to start your application.
Step 2: Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Step 3: Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Step 4: Submit Your Application: Review all the details and click Submit.
Step 5: Approval & Card Delivery: Once approved, your Federal Bank Celesta Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Travel and International Rewards | Use the card for all travel bookings and international purchases to earn 3 reward points and make the most of the highest reward rate on the card. |
Use the Forex Mark-up Advantage | For international transactions or purchases made in foreign currencies online, use the card to benefit from the reduced 2% forex mark-up fee. |
Meet the Quarterly Spend for Lounge Access | Spend ₹60,000 in a calendar quarter to unlock 2 complimentary domestic airport lounge visits in the following quarter. |
Redeem the INOX Movie Offer Monthly | Use the Buy One Get One offer at INOX once a month to save up to ₹100 on the second movie ticket and make full use of this recurring benefit. |
Claim the Welcome Benefit Early | Spend ₹10,000 within the first 30 days of card issuance to receive the Amazon Pay e-voucher worth ₹600 and secure the welcome benefit. |
The Federal Bank Celesta Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
No comments yet. Be the first.