Federal Bank Celesta Credit Card
The Federal Bank Celesta Credit Card is a premium credit card from Federal Bank, with a joining fee of ₹3,000 + GST.
It earns up to 15 pts per ₹150 (≈2.0% value) on dining spends in the form of reward points (points).
Cardholders get 8 annual domestic + 8 annual international airport lounge access, plus amazon pay e-voucher worth ₹600 as a welcome benefit.
- Joining Fee₹3,000
- Annual Fee₹3,000
- Best Suited ForTravel
- Reward TypeReward Points (points)
- 15 pts per ₹150 on dining
- 15 pts per ₹150 on international spend
- Base 0.67% on other spends
- Amazon Pay e-Voucher worth ₹600
FederalsignaturepremiumRewards and Benefits
- air accident: ₹2,50,00,000
- travel medical: ₹25,00,000
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Dining & food delivery₹160/mo
You spend ₹8,000 · earns 2.0% = ₹160 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.7% = ₹100/mo
- Groceries₹8,000 · 0.7% = ₹53/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.7% = ₹67/mo
- Utilities & bills₹5,000 · 0.7% = ₹33/mo
₹4,960 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- premium card issued by Federal Bank.
- Joining / annual fee of ₹3,000 + GST, waived on annual spends of ₹5,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (8/annual) + international (8/annual).
- Insurance cover bundled: air accident, travel medical.
Pros & Cons
- Annual fee waivable on ₹5,00,000 spend.
- Low forex markup of 2.00% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- No rewards on fuel spends.
₹600 welcome benefit
- Amazon Pay e-Voucher worth ₹600Spend ₹10,000 within first 30 daysWindow: 30 days from issuance.
Accelerated rewards
- 15 pts per ₹150 on dining
- 15 pts per ₹150 on international spend
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Insurance benefits
- air accident: ₹2,50,00,000
- travel medical: ₹25,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000.
Sources
- : www.federal.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 750+
- Income (salaried)
- ₹12,00,000 p.a.
- Income (self-employed)
- ₹12,00,000 p.a.