Federal-Bank Celesta Credit Card
Federal Bank Federal Bank

Federal Bank Visa Celesta Credit Card

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹₹3,000 + Taxes

Annual Fee: ₹3,000 + Taxes

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹4,999 Plus Applicable Taxes

Renewal Fee: ₹4,999 Plus Applicable Taxes

Best Feature:- Earn upto 50,000 Bonus Reward Points Anually, Club Vistara and Trident Privilege Membership.

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The Federal Bank Visa Celesta Credit Card is tailored for individuals who are looking for premium benefits across travel, lifestyle, and entertainment. This lifetime free card offers many privileges, including accelerated reward points, complimentary lounge access, and exclusive discounts. With this credit card users can earn up to 3X rewards on the travel category and international spending. Cardholders also get welcome benefits worth Rs. 2,000 at the time of joining.

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All You Need To Know

Card Type

Rewards & Travel

Welcome Benefits
  • Amazon Pay e-Voucher:Users receive an Amazon Pay e-voucher worth ₹2,000 upon spending ₹10,000 or more within the first 30 days of card issuance.
Reward Points Structure
  • 3X Reward Points:Earn 3 reward points for every ₹100 spent on travel and international transactions.
  • 2X Reward Points: Earn 2 reward points for every ₹100 spent on dining.
  • 1X Reward Points: Earn 1 reward point for every ₹100 spent on all other categories.
Reward Redemption Options
  • Redemption Rate: Redeem reward points at a rate of 1 point = ₹0.25.
  • Validity: Reward points are valid for 1 year from the date of accrual.
Travel Benefits
  • Domestic Lounge Access: Enjoy 4 complimentary domestic airport lounge visits per quarter.
  • International Lounge Access: Avail 2 complimentary international airport lounge visits per year.
Entertainment Benefits
  • Movie Offers: Benefit from a "Buy 1 Get 1 Free" offer on movie tickets at INOX once every month, with a maximum discount of ₹100.
Dining Benefits
  • Discounts: Enjoy up to 15% discount at partner dining establishments.
Fuel Surcharge Waiver
  • Waiver Details: Get a 1% fuel surcharge waiver at all fuel stations across India.
Annual Fee Waiver
  • Spend-Based Waiver: The annual fee of ₹3,000 is waived upon spending ₹3 lakh or more in a year.

Federal Bank Visa Celesta Credit Card Eligibility:

Eligibility Criteria of Federal Bank Visa Celesta Credit Card

  • Age: Applicants should be between 18 and 70 years old.
  • Income: Stable income is required; specific income criteria may vary.
  • Credit Score: A good credit score enhances approval chances.

Documents Required

  • Proof of Identity: PAN Card, Aadhaar Card, Passport, Voter ID, or Driver’s License.
  • Proof of Address: Utility bills (not older than 3 months), Aadhaar Card, Passport, or Rental Agreement.
  • Proof of Income:Latest salary slips, Form 16, or recent bank statements.

Note: Federal Bank may request additional documents as per their internal policies.

Fees and charges that apply to Federal Bank Visa Celesta Credit Card:

Fee / Charge Amount/Rate
Annual Fee ₹3,000 + Taxes (waived on spending ₹3 lakh in a year)
Joining Fee ₹3,000 + Taxes (waived on spending ₹10,000 within the first 30 days)
Finance Charges 0.69% to 3.49% per month (8.28% to 41.88% per annum), based on banking relationship
Foreign Currency Markup 2% on all foreign currency transactions
Cash Advance Charges 2.5% of the amount withdrawn, subject to a minimum of ₹500
Late Payment Charges Up to ₹500: Nil; Above ₹500: ₹1,350 or 10% of the total outstanding amount, whichever is lower
Reward Redemption Fee ₹99 per redemption request
Fuel Surcharge Waiver 1% waiver on transactions at all fuel stations in India

*A late payment charge of Rs. 100 will be imposed if the Minimum Amount Due (MAD) is not paid by the due date for two consecutive cycles. This charge will persist in each subsequent payment cycle until the MAD is settled.

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FAQs

The card has a joining fee of ₹3,000 plus applicable taxes, which is waived if you spend ₹10,000 within the first 30 days of card issuance.

Cardholders earn 3X reward points on travel and international spends, 2X on dining, and 1X on all other categories.

Reward points can be redeemed through the Federal Rewards portal at a rate of 1 point = ₹0.25.

The card offers 4 complimentary domestic lounge visits per quarter and 2 complimentary international lounge visits per year.

Yes, a 1% fuel surcharge waiver is applicable at all fuel stations across India.

Applicants should be between 18 and 70 years old, have a stable income, and a good credit score.

You can access the following links to find detailed information and procedures related to managing your Federal Bank Credit Card

Check if you are eligible for Federal Bank Visa Celesta Credit Card on
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