Federal Bank Celesta Credit Card
Updated 15 Apr 2026Source-linked
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% back on dining spends in the form of reward points (points).
Cardholders get 8 annual domestic + 8 annual international airport lounge access, plus welcome gift worth ₹3,000 as a welcome benefit.
Federal Bank Celesta Credit Card
- Joining Fee₹3,000
- Annual Fee₹3,000
- Best Suited ForTravel
- Reward TypeReward Points (points)
Rewards Rate
- 15% on dining
- 15% on international spend
- Base 0.83% on other spends
Welcome Benefits
- Welcome gift worth ₹3,000
FederalsignaturepremiumRewards and Benefits
Rewards Rate
15% on dining
15% on international spend
Base 0.83% on other spends.
Reward Redemption
FedRewards: Redeem at ₹0.25 per unit.
Welcome Benefits
Welcome gift worth ₹3,000
Milestone Rewards
N/A
Domestic Lounge Access
8 visits each annual.
International Lounge Access
8 visits each annual.
Travel
Travel insurance cover bundled (see Insurance section).
Movie & Dining
N/A
Golf
2 round(s) / monthly.
Insurance Benefits
- air accident: ₹2,50,00,000
- travel medical: ₹25,00,000
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹5,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.50%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
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
Pros
- Annual fee waivable on ₹5,00,000 spend.
- Low forex markup of 1.50% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Accelerated earn rate of 15% on dining.
Cons
- No rewards on fuel spends.
₹3,000 welcome benefit
- Welcome gift worth ₹3,000Joining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 15% on dining
- 15% on international spend
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Domestic
8 visit(s) / annual. Via visa, dreamfolks.
International
8 visit(s) / annual. Via priority-pass.
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.federalbank.co.in · retrieved 15 Apr 2026
Last verified 15 Apr 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.