Federal Bank Celesta Credit Card
Federal Bank · Visa · Premium card
A lifetime-free lifestyle card with low forex and useful travel, dining and movie benefits.
Federal Bank customers who travel, dine and use INOX regularly.
Terms checked 23 Sept 2026
- Annual fee
- Lifetime free
- Joining fee
- ₹0
- Base reward rate
- 0.3%
- Forex markup
- 2%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Travel & hotels | 0.8% |
| International spending | 0.8% |
| Dining & delivery | 0.5% |
| Online shopping | 0.3% |
| Groceries & essentials | 0.3% |
| Bills & utilities | 0.3% |
| Beauty & wellness | 0.3% |
| Entertainment & movies | 0.3% |
| Education & family | 0.3% |
| Healthcare & pharmacy | 0.3% |
| Subscriptions & streaming | 0.3% |
| Offline store shopping | 0.3% |
| Gold & jewellery | 0.3% |
| Insurance premiums | 0.3% |
| Other miscellaneous | 0.3% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- Not needed
- Monthly income requirement
- Not listed
Airport lounge access
8 domestic airport lounge visits per year • 2 international airport lounge visits per year
2 domestic airport lounge visits per quarter · Issuer card
Guest access: Not available
Requires ₹60,000 per Calendar quarter for the following calendar quarter
2 international airport lounge visits per year · LoungeKey
Guest access: Not available
Spend condition: Domestic access requires ₹60,000 calendar-quarter spend for the next quarter; international access has no published spend gate.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 5 items
Travel and international rewards
Usage-based valueThree points per ₹100 on eligible travel and international transactions.
Dining rewards
Usage-based valueTwo points per ₹100 on eligible dining transactions.
Other eligible rewards
Usage-based valueOne point per ₹100 on other eligible retail transactions.
Eligible purchases converted to EMI continue to earn rewards
Shown without a cash valueThree points per ₹100 on eligible travel and international purchases, and two on dining
Shown without a cash value
Fees · 1 item
Lifetime-free annual fee
Recorded value ₹-0No annual card fee is recorded under the currently reviewed terms.
Welcome benefits · 1 item
₹600 Amazon Pay voucher
Recorded value ₹600Welcome voucher after the introductory spend target.
Conditions: Spend ₹10,000 on eligible purchases within 30 days of card issuance
Airport lounge access · 2 items
Domestic lounge access
Usage-based value2 visits per quarter through Issuer card. Guest access: not available.
Conditions: Spend ₹60,000 per calendar quarter
International lounge access
Usage-based value2 visits per year through LoungeKey. Guest access: not available.
Movies and entertainment · 1 item
Monthly INOX buy-one-get-one offer under current issuer terms; no unsupported rupee cap is assumed
Shown without a cash value
Travel privileges · 1 item
Visa travel and lifestyle offers
Shown without a cash value
Foreign-currency charges · 2 items
Foreign-currency markup
Usage-based value2% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Lifetime-free premium Visa card with 2% forex markup
Shown without a cash value
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. Federal Bank does not publish one universal numeric income threshold for Celesta.
Other benefits · 2 items
1% fuel-surcharge waiver under issuer terms
Shown without a cash valueTwo domestic visits in the next quarter after ₹60,000 quarterly spend plus two international visits yearly
Shown without a cash value
Other categories (9)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Lifetime-free premium Visa card with 2% forex markup
- ✓ Three points per ₹100 on eligible travel and international purchases, and two on dining
- ✓ Two domestic visits in the next quarter after ₹60,000 quarterly spend plus two international visits yearly
- ✓ ₹600 Amazon Pay welcome voucher and monthly INOX buy-one-get-one offer
What to watch
Domestic lounge access needs ₹60,000 in the preceding quarter. The current INOX page does not publish a rupee ticket cap, and reward redemption starts at 500 points with a fee from ₹99.
Recorded exclusions
Fuel Commute · Rent · Wallet load · Cash withdrawal
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026 · Latest recorded change effective 3 Apr 2023