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Last updated: 01-06-2026
Federal Bank Celesta Credit Card
Federal Bank

Federal Bank Celesta Credit Card

"Federal Bank's premium card โ€” 4X rewards on dining and entertainment, domestic lounge access and comprehensive travel insurance at affordable fee"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น1,499 + GST
๐Ÿ”„ Renewal Fee
โ‚น1,499 + GST
Waived: Annual fee waived on spending โ‚น2 lakh or more in the membership year
๐ŸŽฏ Best Suited For
Federal Bank customers who want a premium card with dining rewards, lounge access and travel insurance; those seeking an alternative to Scapia from Federal Bank
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น0.25; redeemable for vouchers, cashback, travel)
๐ŸŽ‰ Welcome Benefit
1,000 bonus RPs on spending โ‚น10,000 within 60 days of card issuance
๐Ÿ’ฐ Reward Rate
4 RPs per โ‚น100 on dining, entertainment and international spends (1% effective); 2 RPs per โ‚น100 on other eligible retail (0.5%); excludes fuel, EMI, cash, government, wallet; RPs valid 2 years
โœˆ๏ธ Lounge Access
2 complimentary domestic airport lounge visits per quarter on spending โ‚น25,000 in preceding quarter
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โœ… Pros
  • 4X rewards on dining and entertainment
  • 2 domestic lounge visits per quarter
  • Comprehensive travel insurance
  • Fuel surcharge waiver
  • Achievable โ‚น2L fee waiver
  • Good option for Federal Bank customers
โŒ Cons
  • High forex markup 3.5%
  • Base reward rate 0.5% is average
  • Federal Bank one-card policy restricts existing cardholders
  • Lounge requires โ‚น25K quarterly spend
  • 1 RP = โ‚น0.25 is average redemption value

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น0.25; redeemable for vouchers, cashback, travel)
Welcome Benefits
1,000 bonus RPs on spending โ‚น10,000 within 60 days of card issuance
Reward Rate
4 RPs per โ‚น100 on dining, entertainment and international spends (1% effective); 2 RPs per โ‚น100 on other eligible retail (0.5%); excludes fuel, EMI, cash, government, wallet; RPs valid 2 years
Reward Redemption
Federal Bank rewards portal: vouchers, cashback, merchandise, travel; 1 RP = โ‚น0.25; RPs valid 2 years
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น400 to โ‚น5,000; maximum โ‚น250 per month
Lounge Access
2 complimentary domestic airport lounge visits per quarter on spending โ‚น25,000 in preceding quarter
Spend Based Fee Waiver
Annual fee waived on โ‚น2 lakh annual spend
Milestone Benefits
Annual fee waiver on โ‚น2L spend; 1,000 bonus RPs on activation
Other Benefits
4X on dining and entertainment; 2 domestic lounge visits per quarter; fuel surcharge waiver; comprehensive travel insurance (air accident, baggage); dining discounts at partner restaurants; contactless payments; EMI conversion

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Comprehensive travel insurance including air accident and baggage; zero liability on reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
4X on dining and entertainment; 2 domestic lounge visits per quarter; travel insurance; fuel surcharge waiver

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น1,499 + GST
Annual Fee / Renewal Fee
โ‚น1,499 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น2 lakh or more in the membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
As per Federal Bank prevailing rates
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per Federal Bank prevailing slab
Over Limit Charges
As per Federal Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Federal Bank one-card policy โ€” existing Federal Bank credit card holders may not be eligible simultaneously; verify current terms on Federal Bank website

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 65 years; salaried or self-employed; Indian resident; minimum monthly income โ‚น35,000; good credit history; Federal Bank customer preferred
Credit Score Requirement
700+ CIBIL recommended
Credit Limit
Based on income and Federal Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on transactions above โ‚น2,500
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per Federal Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via Federal Bank FedMobile app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
0484-6754111
Chat / Email Support
Email: ccsalessupport@federalbank.co.in
Mobile App
Federal Bank FedMobile app
Online Banking
Federal Bank NetBanking

Last updated: 01-06-2026

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Disclaimer: Information is for comparison purposes only. Verify details directly with the issuing bank before applying. CardComparison.in is not a bank or financial advisor.
Printed: 23 Oct 2026, 09:32 PM
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