Federal Bank Celesta Credit Card
Federal Bank’s travel-led card, free for customers onboarded since April 2023: 1 point per ₹100 (₹0.25 each), 3x on travel and international spends and 2x on dining, a 2% forex mark-up and two international lounge visits a year. Every figure below is copied from Federal Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Read in a browser on 16 October 2026; Federal Bank's site blocks automated reading, so this page is re-checked by hand. Federal Bank's site blocks automated reading and this link downloads a file, so the MITC was read from a copy the site owner saved from federal.bank.in on 16 October 2026.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | Nil Product page |
| Annual fee waiver | Not needed |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 2% of the transaction, plus GST Product page |
| No joining or annual fee for customers onboarded since 3 April 2023: Federal Bank’s MITC lists ₹3,000 joining and annual fees but says they do not apply to them (a limited-period offer on the product page). | |
| Reward redemption fee | ₹99 plus GST MITC |
Rewards
Reward points, ₹0.25 each when redeemed as stated MITC.
| Spend | Earns | Cap |
|---|---|---|
| 3x on travel and international spends | 3 points per ₹100 Product page | no cap on record |
| 2x on dining | 2 points per ₹100 Product page | no cap on record |
| Insurance premiums, base rate up to 250 points a month | 1 point per ₹100 MITC | up to 250 points a month MITC |
| Other spends | 1 point per ₹100 MITC | no cap on record |
No rewards on
Benefits
- Lounges: 2 international lounge visits a year with no spend needed; 2 domestic visits in the next quarter — ₹60,000 of spend in a quarter for the domestic visits Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹150 a month MITC
- Welcome: ₹600 Amazon Pay e-voucher on ₹10,000 of spend in the first 30 days Product page
Also on this card
Quoted from Federal Bank; not counted in the net value.
- Buy one get one on INOX movie tickets, up to ₹100 off, once a month Product page
- Add a RuPay Wave card in FedMobile for UPI payments, on the same credit limit Terms
Eligibility
- Age 21 or above (18 for a secured card against a fixed deposit) Product page
- Indian resident or NRI Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
The quotes behind the figures
26 figures, each copied from an official Federal Bank document.
Show every quote and source
“Federal Bank Credit Cards are Life-time Free with no Joining Fee or Annual Membership Fee (Limited period offer).”
“Mark-up fee of 2% on foreign transactions”
“Each Federal Reward Point is valued at Rs. 0.25.”
“Enjoy our bespoke 3-2-1 rewards structure curated for customers like you – 3x rewards on spends for Travel and International categories, 2x rewards on spends for Dining categories and 1x rewards for other categories.”
“Celesta 1 Point per Rs 100/- Spend”
“The Reward Points accrued for Insurance transactions (6300 & 5960) will have a monthly capping of 250 points per card per calendar month.”
“No Reward Points will be accrued on cash transactions, Fuel expenditures, E-wallet loading and Government transactions.”
“Rent payments made via Card will not accrue Reward Points.”
“BOGO on INOX up to Rs. 100 off”
“The changes on lounge access will be applicable from 15th July 2025.”
“Only customers who have received offer specific communication by Federal Bank (email, SMS, WhatsApp, etc.) for this offer can apply for the same.”
“First 30 days from the date of card issuance”
“Charges/ Taxes Signet Imperio Celesta Wave Card VALUEMAX”
“*Above condition is not applicable for customers onboarded with effect from 03rd April 2023 (Except VALUEMAX variant). Rs. 750/-* Rs. 1500/-* Rs. 3000/-* NIL (for virtual cards])”
“Redemption of Reward Points towards 'Cash' to the Card Account will be computed at 10 paise per point.”
“Foreign Currency Markup Fee 3.5% 3.5% 2% 3.5% 3.5%”
“Rs. 99/- per redemption request (NIL for VALUEMAX variant)”
“Complimentary lounge access – Enjoy 2 International Lounge access in a year without any spend criteria. For Domestic Lounge access, spend INR 60,000 or more in a quarter to enjoy 2 visits in the next quarter.”
“1% surcharge waiver on spends between Rs.400/- to Rs.5000/- on all petrol pumps in India for Imperio and Celesta category up to Rs.150/- per month.”
“Get Amazon Pay e-Voucher worth ₹600 on minimum spend of Rs.10,000 in first 30 days.”
“BOGO Offers* (Buy One Get One) on INOX movie tickets, once a month.”
“Perfect blend of Credit and UPI convenience!”
“minimum 21 years of age to apply for a Unsecured Federal Credit Card.”
“While applying for a Credit Card in India, you need to be an Indian resident or a Non-resident Indian (NRI)”
“Browse credit cards like Celesta, Imperio, Signet, Scapia and pick the one that suits your needs.”
“VISA Celesta Credit Card”
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